Fina e-Poslovanje — B2B platform (2024+)

e-Poslovanje is the voluntary B2B extension of the national e-Račun platform, launched by Fina in 2024. It leverages legacy infrastructure (FISKAL PKI, Servis24 for payments, OIB registry) to offer Croatian companies an e-invoice rail integrated with their EUR bank account. No universal mandate in 2026 — adoption remains voluntary pending the ViDA timeline and a Porezna uprava decision on B2B CTC.

History — from banking portal to unified B2B platform

For more than 20 years Fina has operated the NKS (Nacionalni klirinški sustav, HR interbank clearing) and the Servis24 service distributing payment orders to Croatian banks (Zagrebačka banka, Privredna banka Zagreb, Erste Banka HR, OTP banka HR, Raiffeisenbank Austria d.d.). Since 2013 the agency has built a massive PKI park through FISKAL certificates for Fiskalizacija, then launched e-Račun B2G in 2018.

Eurozone entry on 1 January 2023 accelerated convergence: all Servis24 flows are in EUR, SEPA Direct Debit and SEPA Credit Transfer are native HR, and Fina can now combine e-invoice + payment in a single product. e-Poslovanje, launched in 2024, is that unification.

2002-2010  | Fina historically operates interbank payments (NKS —
           | Nacionalni klirinški sustav) and the Servis24 service
           | distributing payment orders to Croatian banks.
           |
2013       | Fiskalizacija. Fina PKI (FISKAL 1-3) becomes ubiquitous
           | across all POS and HR accounting software.
           |
2018-2019  | Launch of the e-Račun B2G platform — successful mass rollout
           | (100% public procurement covered).
           |
2020       | Fina joins OpenPeppol — becomes secondary Peppol Authority
           | for HR, opening cross-border.
           |
2023       | Euro migration. All Servis24 payments switch to EUR.
           | Preparation of a unified B2B offering: e-Račun + payment.
           |
2024       | Launch of Fina e-Poslovanje — voluntary B2B extension of
           | the e-Račun platform, integrated with the EUR bank account
           | via Servis24 and mojaCRO (commercial banks).
           |
2025       | Local ERP/SaaS connectors — DataLab Pantheon, Comping,
           | Megabit Birokrat, Microsoft Business Central HR, SAP B1 HR
           | publish native e-Poslovanje modules.
           |
2026       | Porezna uprava public consultation on a mandatory B2B CTC
           | (target calendar 2027-2028 per ViDA). e-Poslovanje is widely
           | seen as the technical rail, with no firm mandate yet.

Governance — Fina + Ministry + banks

Fina is the sole operator. Political oversight remains with the Ministarstvo financija and the Porezna uprava on fiscal matters. Commercial banks (Zagrebačka banka, Privredna banka Zagreb, Erste & Steiermärkische Bank HR, OTP banka, Raiffeisenbank Austria d.d., Hrvatska poštanska banka) embed e-Poslovanje in their mojaCRO customer channel and corporate banking portals via Fina APIs.

Peppol coordination: Fina is secondary Peppol Authority for Croatia, under OpenPeppol stewardship and in liaison with the Dutch Ministry of Economic Affairs (Peppol Authority for PT/HR since 2020).

Technical schema — B2B e-Račun + Peppol + Servis24

B2B format is identical to B2G: Peppol BIS Billing 3.0 (UBL 2.1) and e-Račun HR CIUS. The novelty is the depth of banking integration:

• Mandatory HR IBAN in PayeeFinancialAccount (format HR + 2 digits + 17 digits).
• Croatian BIC in FinancialInstitutionBranch — HR BIC codes (HABAHR22 = Zagrebačka banka, PBZGHR2X = Privredna banka Zagreb, ESBCHR22 = Erste, OTPVHR2X = OTP banka, etc.).
• HR99 structured payment reference — official Croatian reference model (HR99 = free, HR05 = tax mandate, HR67 = invoice). Enables automatic reconciliation on the debtor side.
• PaymentMeansCode per UNCL4461 — 30 (credit transfer), 42 (SEPA credit transfer), 58 (SEPA Instant Credit Transfer).

<?xml version="1.0" encoding="UTF-8"?>
<Invoice xmlns="urn:oasis:names:specification:ubl:schema:xsd:Invoice-2"
         xmlns:cac="urn:oasis:names:specification:ubl:schema:xsd:CommonAggregateComponents-2"
         xmlns:cbc="urn:oasis:names:specification:ubl:schema:xsd:CommonBasicComponents-2">
  <cbc:CustomizationID>urn:cen.eu:en16931:2017#compliant#urn:fdc:peppol.eu:2017:poacc:billing:3.0</cbc:CustomizationID>
  <cbc:ProfileID>urn:fdc:peppol.eu:2017:poacc:billing:01:1.0</cbc:ProfileID>
  <cbc:ID>2026-B2B-04211</cbc:ID>
  <cbc:IssueDate>2026-06-15</cbc:IssueDate>
  <cbc:DueDate>2026-07-15</cbc:DueDate>
  <cbc:InvoiceTypeCode>380</cbc:InvoiceTypeCode>
  <cbc:DocumentCurrencyCode>EUR</cbc:DocumentCurrencyCode>

  <cac:AccountingSupplierParty>
    <cac:Party>
      <cbc:EndpointID schemeID="9934">HR12345678901</cbc:EndpointID>
      <cac:PartyLegalEntity>
        <cbc:RegistrationName>Konzum plus d.o.o.</cbc:RegistrationName>
        <cbc:CompanyID schemeID="0208">12345678901</cbc:CompanyID>
      </cac:PartyLegalEntity>
    </cac:Party>
  </cac:AccountingSupplierParty>

  <cac:AccountingCustomerParty>
    <cac:Party>
      <cbc:EndpointID schemeID="9934">HR09876543210</cbc:EndpointID>
      <cac:PartyLegalEntity>
        <cbc:RegistrationName>Podravka d.d.</cbc:RegistrationName>
        <cbc:CompanyID schemeID="0208">09876543210</cbc:CompanyID>
      </cac:PartyLegalEntity>
    </cac:Party>
  </cac:AccountingCustomerParty>

  <cac:PaymentMeans>
    <cbc:PaymentMeansCode>30</cbc:PaymentMeansCode>
    <cbc:PaymentID>HR1810010051863000160</cbc:PaymentID>   <!-- HR IBAN -->
    <cac:PayeeFinancialAccount>
      <cbc:ID>HR1810010051863000160</cbc:ID>
      <cac:FinancialInstitutionBranch>
        <cbc:ID>HABAHR22</cbc:ID>                          <!-- HR BIC -->
      </cac:FinancialInstitutionBranch>
    </cac:PayeeFinancialAccount>
  </cac:PaymentMeans>

  <cac:LegalMonetaryTotal>
    <cbc:TaxExclusiveAmount currencyID="EUR">8000.00</cbc:TaxExclusiveAmount>
    <cbc:TaxInclusiveAmount currencyID="EUR">10000.00</cbc:TaxInclusiveAmount>
    <cbc:PayableAmount currencyID="EUR">10000.00</cbc:PayableAmount>
  </cac:LegalMonetaryTotal>
</Invoice>

e-Poslovanje vs historic VANs

Before 2024 the Croatian B2B landscape relied mainly on local VANs and ERP integrators (in-house XML, GS1 EDIFACT, sometimes PDF email). e-Poslovanje layers on top, it does not replace:

Adoption — early 2024-2026 volumes

• ~20,000 companies connected to e-Poslovanje by end of 2025 per public Fina figures — adoption growth ~50% per quarter.
• ~5 million B2B e-invoices/year handled in 2025, compared to the ~13M mandatory B2G. Voluntary B2B remains ~30% of B2G volume.
• Sector adoption — retail (Konzum, Lidl HR, Plodine) and industry (Podravka, Pliva, Hep) in the first wave, health and finance lagging.
• Cross-border flows via Peppol — Germany and Italy the main corridors, supported by the Adriatic tourism ecosystem.

Common pitfalls

• Confusing B2G and B2B e-Račun. Same format, same platform — but pricing, SLAs, and routing differ. A B2G endpoint will not automatically receive B2B and vice-versa.
• Miscomputed HR99 reference. HR99 is free-form, but many foreign ERPs send an empty reference or a placeholder — the debtor cannot reconcile and falls back to manual processing.
• Missing BIC. For intra-HR payments via Servis24, BIC can be omitted (IBAN is enough in SEPA). But for Peppol BIS and some corporate-banking ERPs, BIC is required — always include it.
• Thinking e-Poslovanje = mandate. No B2B obligation in 2026. The platform is voluntary. Vendors that claim "Croatia mandatory" are extrapolating from the B2G mandate of 2018-2019.
• Different Fina certificate. The FISKAL (Fiskalizacija) certificate is NOT the same as the e-Poslovanje certificate for e-invoice signature. Two distinct PKIs at Fina.

Cross-links

• Croatia hub — full view
• Fina e-Račun — B2G mandate 2018-2019
• OIB — universal 11-digit identifier
• PDV — Croatian VAT regimes
• Fiskalizacija — real-time cash registers 2013
• ViDA Croatia 2026-2030
• Fina — official e-Poslovanje
• Fina — Servis24 payments