Bilnex or SEB e-invoices in Latvia: prices and channels 2026

Both are free for up to five sales invoices per month: SEB E-invoice portal Pamata plan is available without a monthly fee and allows five invoices sent per calendar month, Bilnex Latvia also has a €0 package. Prices differ for larger volumes – SEB Premium is €6 + VAT per month with 40 invoices, each subsequent invoice €0.15 + VAT. But don't make your decision based on the price tag. Check three things first: does the solution output an XML file that meets UBL 2.1 and PEPPOL BIS Billing 3.0 requirements, whether it reaches the partner in the channel that you have agreed upon, and whether it forwards the invoice data to VID, the Latvian Tax Board. This forwarding is mandatory for invoices submitted to budgetary institutions from 1 January 2026, for B2B invoices within Latvia from 1 January 2028.

What really matters about your cash flow?

• Small manual volume (1–5 invoices per month): The price doesn't matter, both are free. Choose the environment where the invoice is generated faster and where you can also archive the file.
• Growing volume (40–100 invoices per month): There is a real cost difference here, but only if the free limit is confirmed in writing.
• Recipients are waiting for the invoice in the internet bank or at the following email address: It's the channel list that counts, not the package.
• Behind accounting software or ERP: The existing interface counts, otherwise manual copying will remain.
• B2G or invoices to state and local government agencies: Here, transmitting VID data is already mandatory today, so only the one whose system does it matters.

What will be mandatory in Latvia in 2026 and what will change in 2028?

The two terms constantly get mixed up in conversations, so let's separate them clearly.

The first concerns the public sector. If your client is a budgetary institution, there is an obligation to transmit structured e-invoice data to the VID. effective from 1 January 2026. The second concerns invoices between private companies: the same amendment to the law postponed the deadline for intra-Latvian B2B from 2026 to 2028. This means that an invoice to another company registered in Latvia must be formatted as a structured e-invoice and its data must be transmitted to the VID starting from January 1, 2028. If someone says that Latvia's B2B obligation began already in January 2026, they are wrong.

However, the interim period is not empty. Non-budgetary companies, may submit e-invoices to VID voluntarily from January 1, 2026. In practice, this is the cheapest way to be ready by 2028: if the process is already working in 2026, there is no need to rush to redo anything later.

What is the difference between PDF, XML e-invoice and Peppol?

A PDF may be a perfectly valid invoice, but it is not a structured e-invoice. Latvian law defines a structured e-invoice as an automatically processed document that complies with the standard LVS EN 16931-1:2017 and is formatted according to the technical specification LVS CEN/TS 16931-2:2017. A PDF attached to an email does not meet this requirement – even if the file is beautiful and has all the necessary details.

Peppol is in turn cross-border invoice transmission network, not the Tax Board interface. Regulation No. 749 lists e-addresses (Latvian official electronic address, or official electronic address), operator channel and other channel, including system-to-system interface or email. Important detail: The channel is agreed upon by the parties to the transaction.. Maybe the agreement comes before the software selection, not after.

Bilnex and SEB E-invoicing portal: price, volume, channels, interfaces

	Bilnex (Latvian page)	SEB E-billing portal
Free volume per month	Price blocks: up to 5 invoices (2 users) and up to 100 invoices (5 users), both €0	Pamat plan: up to 5 invoices sent, no monthly fee
Price for larger volume	There is no public price – the FAQ says that shipping is currently unlimited and free	Premium €6 + VAT per month, includes 40 invoices; each additional €0.15 + VAT
Shipping channels	PDF, e-invoice, Peppol	Portal, e-mail address, SEB internet bank, Peppol, e-mail; with Premium, additional accounting system
Reception	Accepting e-invoices; PDF and Peppol "coming soon"„	Unlimited receipt, invoices are duplicated in SEB Internet Bank
Interfaces	Merit Aktiva, Rivile, SimplBooks, SmartAccounts	Automatic data exchange (API) in the Premium package
Transmission of VID data	There is no confirmation on the public page.	There is no confirmation on the public page.

In cash: with five invoices you pay €0 on both sides. With forty invoices, the SEB cost is €6 + VAT per month, €72 per year excluding VAT. With a hundred invoices, the Premium will cost an additional 60 invoices × €0.15, or €15 + VAT per month, €180 per year. These the numbers are listed in the SEB price list – the portal is offered by SEB in cooperation with the technology company Fitek.

Bilnex needs one clarification before signing, and I'll say it directly. Latvian page price blocks talk about two free packages – up to 5 and up to 100 sales invoices per month – while the FAQ on the same page promises unlimited free PDF and e-invoice sending and warns that you will be notified in advance of the end of the free period. Ask two things in writing: what limit applies to your account and what happens when the free period ends. The same logic applies to Peppol – Bilnexi July 1, 2026 as announced Free Peppol sending and receiving was available for Estonian companies, and the addition of Latvian and Lithuanian companies was planned for the same summer, so check your account to see if the Latvian Peppol channel is active for you.

VID data transfer: what doesn't the price tag show?

Let's take a specific example. You send an invoice for €1,200 to a client registered in Riga. The channel is agreed with the client - let's say an e-mail address. In this case, the invoice data is submitted to VID by the e-mail address information system itself, provided that both you and your service provider are using an up-to-date software version.

If you use an operator channel, the operator's system must be interfaced with the VID system API. If there is no interface, it is your responsibility to: VID EDS API or file upload. The deadline is the same for everyone: the e-invoice is submitted to VID once, no later than five working days after the date of sending. If a system error causes the deadline to be exceeded, this must be reported in EDS no later than the next working day after the deadline and the invoice must be submitted within three working days after the error has been eliminated. If the invoice was not submitted by the deadline for a reason other than a system error, Indicate the reason and period for non-submission in the EDS and submit the invoices no later than 30 calendar days from the date of identification of the reason.

Neither comparable public page confirms that this particular environment automatically submits a copy of each invoice to VID. So ask the sales team one sentence in writing: is the operator's channel interfaced with the VID API, or will submission remain a process for my EDS? There is no separate fine rate fixed in the verified legislation specifically for failure to submit an e-invoice - do not plan for the amount of risk, but simply keep the process running.

Four typical situations and a practical choice

With up to 5 invoices per month and manual formatting, both are suitable, the price is zero. If you are already a SEB customer and your recipients want invoices from the internet bank, the Pamata plan is the shorter way. If you also need to digitize purchase invoices, consider Bilnex.

If the volume grows to 40–100 invoices per month, SEB's cost is known and calculable in advance. Bilnex's €0 is cheaper on paper, but only with a written limit confirmation - otherwise you are buying uncertainty.

If recipients are waiting for the invoice via email or internet banking, the list of SEB channels is publicly available and covers the portal, email, internet banking, Peppol and email. However, the channel must be agreed with the client.

In the case of ERP flow or B2G, the interface is decisive. If you use Merit Aktiva, Rivile, SimplBooks or SmartAccounts, Bilnex's existing interface is a strong argument. On the SEB side, automatic data exchange requires a Premium package.

What to ask before opening an account or signing a contract?

1. XML: Does the outgoing file comply with UBL 2.1 and PEPPOL BIS Billing 3.0 CIUS - ask for a sample file.
2. Channel: What channels can I send and receive through, and how do we finalize the agreement with the client?.
3. VID: either the operator's channel is interfaced with the VID API, or I submit the data myself in EDS within five working days.
4. Export and archive: Can I extract the XMLs and archive myself if I change service providers?.
5. Price: what will pay the bill after the free limit or free period, and how long in advance notice of the change will be given.

Read also: English · Latvian

Last checked: September 15, 2026

FAQ

Will e-invoices be mandatory for all companies in Latvia from 2026?

No, from 1 January 2026, the obligation to transmit e-invoices and data to the VID will apply only in transactions with the public sector, i.e. budget institutions. The obligation for B2B transactions within Latvia was postponed to 1 January 2028 by an amendment to the law.

When is it worth choosing SEB E-invoicing portal and when Bilnex?

Both environments are free for up to five invoices per month. SEB is particularly suitable for companies whose partners want to receive invoices in the internet bank or via email, while Bilnex offers an advantage for larger volumes and Merit Aktiva or SimplBooks interfaces.

How does the sales invoice data reach the Latvian Tax Board (VID)?

If the invoice is sent via an official email address, the system will perform the data transfer itself. In the case of the operator channel, the provider must have a direct interface with the VID system or the company must upload the files to the VID EDS environment itself within five working days.