Maksulipaasi

Maksulipaasi is a Finnish term used to describe a structured package of payment information that accompanies a financial transaction or invoice. The concept emphasizes the grouping of essential data needed to initiate and verify a payment, such as debtor and creditor identifiers, the amount, currency, due date, payment reference, and the preferred payment method.

Usage and scope: The term is not a legally defined standard; rather it appears in industry discussions, fintech literature, and some educational materials to illustrate how payment data can be organized. In practice, a maksulipaasi may include both the instructions for processing the payment and the metadata used to reconcile the transaction in accounting systems.

In electronic invoicing and digital banking, payment information is often transmitted as a data payload or envelope. Maksulipaasi serves as a descriptive label for this payload and for the way the data elements are bundled to ensure correct routing, posting, and reconciliation.

See also: Electronic invoicing, ISO 20022, Payment processing.