Invoice Payments for Consumers and Businesses, on a Single API
Issue compliant B2C and B2B invoices straight from checkout, in store, or online. Surfboard's invoice service handles distribution, reminders, debt collection, and reconciliation, all through the same Order and Payment API you already use for card and Pay by Bank.
Invoice as a payment method, not a separate vendor
Both consumers and businesses expect to pay on invoice in the Nordics. Most payment platforms force you to bolt on a separate provider, run a parallel reconciliation, and rebuild your checkout. Surfboard treats invoice as a first-class payment method — for B2C and B2B — on the same unified API as card.
Use Surfboard's invoice payment methods (such as B2BINV
for business buyers) in your existing payment flow. Surfboard
generates the invoice, distributes it through the channel you choose,
tracks the receivable, and settles back to you like any other payment.
How Invoice Payments Work
Initiate an invoice payment
{
"controlFunctions": {
"initiatePaymentsOptions": {
"paymentMethod": "B2BINV",
"paymentMethodParams": {
"invoice": {
"invoiceDistribution": "EMAIL",
"dueDate": "30d",
"reminder": true,
"debtCollectionEnabled": false,
"contractReference": "DIF",
"invoicePaymentMethods": ["CARD"]
}
}
}
}
}
Distribute the invoice automatically
{
"invoice": {
"invoiceDistribution": "EMAIL | EINVOICE | PRINT | NONE",
"dueDate": "30d"
}
}
Get paid, with reminders and debt collection on demand
What you can build with Invoice
From simple emailed consumer invoices to fully automated B2B procurement flows, the Invoice service supports the receivable patterns Nordic and EU businesses actually need.
1. B2C and B2B Checkout
Offer invoice as a first-class payment method at checkout for both consumer and business buyers:
- Identify consumers by personal details, or business buyers by VAT ID and company name
- Show invoice alongside card and Pay by Bank
- Issue invoices in the buyer's preferred format
- Configurable due dates from 14 to 60 days
Works for B2C e-commerce as well as B2B wholesale and procurement-driven buyers.
2. In-store and Unattended
Issue invoices from any Surfboard channel:
- SurfPad and SurfTouch for face-to-face consumer and B2B sales
- Online checkout for self-service procurement
- Unattended kiosks and field sales tools
The same invoice flow works across every terminal type and channel, no separate integration required.
3. Multiple Settlement Methods
Let buyers settle invoices the way they prefer:
- Card payment from the invoice link
- Pay by Bank (ACC2ACC) account-to-account transfer
- Bank transfer with OCR reference
Set invoicePaymentMethods per order to control which options the buyer sees.
4. Reminders and Debt Collection
Automate the boring parts of accounts receivable:
- Reminders: Toggle
reminder: truefor automatic dunning before the due date - Debt collection: Set
debtCollectionEnabled: trueto escalate overdue invoices automatically - Contract references: Add a
contractReferencefor procurement-driven buyers
Surfboard chases the invoice so your team doesn't have to.
5. Single API, every payment method
Invoice is just another payment method on the unified Surfboard API:
- Same Order and Payment objects as card and Swish
- Same webhooks for status changes and settlement
- Same reporting in the Merchant Portal
One integration, every payment method. Including invoice.
Why merchants choose Surfboard Invoice
VAT-correct invoices, e-invoice support, Nordic-first.
Email, e-invoice (PEPPOL), printed, or silent.
Reminders and debt collection without lifting a finger.
Same API, webhooks, and reports as every other method.
Designed for consumer and business buyers
Invoice consumers using personal details, or business buyers using VAT ID, company name, and a contract reference. Either way, buyers can pay by card, account-to-account, or bank transfer — Surfboard gives them a payment experience that matches how they actually pay.
And because invoice runs on the same Order and Payment objects as every other method, you get one ledger, one reconciliation, and one set of webhooks across B2C and B2B.
Start issuing invoices via API
Activate the right invoice payment method on a merchant — B2C or B2B — then issue an invoice through the same initiatePayments call you already use for card. Distribution, reminders, and debt collection are all controlled by parameters on the request. The example below shows the B2B variant (b2binv).
// Issue a B2B invoice with email distribution
POST /payments/initiate
{
"terminal$id": "{{onlineTerminalId}}",
"controlFunctions": {
"initiatePaymentsOptions": {
"paymentMethod": "B2BINV",
"paymentMethodParams": {
"invoice": {
"invoiceDistribution": "EMAIL",
"dueDate": "30d",
"debtCollectionEnabled": false,
"contractReference": "DIF",
"reminder": true,
"invoicePaymentMethods": ["CARD"]
}
}
}
},
"customer": {
"company": {
"vatId": "SE556026998601",
"companyName": "Surfboard Payments"
}
}
}
Ready to add invoice to your checkout?
The Invoice service is available across Surfboard's online and in-store channels and supports both B2C and B2B invoicing. Talk to our team to enable invoice on your merchants and ship an invoice-ready checkout.
Talk to our team