A checkout that takes the payment the first time
I connect Stripe, PayPal, Klarna, Worldpay and the payment methods Finnish customers expect to your store, then test refunds, failed cards and webhooks before launch. Works on Shopify, WooCommerce, Magento, OpenCart and custom builds. From €490.
Build your checkout lane
- 01Finnish online bank buttonsThrough a Finnish payment providerFinnish shoppers are used to confirming payments in their own bank's app, so the bank buttons come first.
- 02MobilePay and SiirtoThrough a Finnish payment providerMany buyers pay on the phone; a wallet confirmation saves typing anything.
- 03Apple Pay and Google PayMost card providers, enabled per domainCovers iPhone and Android buyers with one confirmation step.
- 04Card paymentStripe, Worldpay, a Finnish provider or PayPal card fieldsVisitors from abroad, and anyone who prefers cards, still need it.
- 05Pay later or instalmentsKlarna, or a Finnish provider's invoice optionsInvoice or instalments for buyers who want time to pay.
- 06PayPalIts own PayPal Business accountOptional for buyers abroad; needs its own agreement with PayPal.
- Business invoice with payment terms: Consumers rarely want a business invoice.
Show the rules behind the order
- Methods are ordered by how buyers in that market usually expect to pay, the way I would set up a first version. They are my defaults, not rules from any provider.
- Under €50 average order, pay-later is left out at first: its fee is large next to the basket. Over €500, instalments and invoices move up.
- Subscriptions keep only methods that can be charged again on renewal.
- Which methods you can switch on depends on each provider's contract and your country. I check the provider's current pages before you sign.
Pikselipolku is an independent studio and is not affiliated with Stripe, PayPal, Worldpay, Klarna, Paytrail or any other provider named here. Methods are drawn as generic pixel icons; no provider logos are used.
Every payment service
One page per provider or job. Proposed from-prices in euros, excluding VAT; a written fixed price follows a short call.
What happens after Pay
The button is the start, not the end. Seven steps run after the buyer presses Pay, and each one can fail on its own. Step through them, or switch on the failure points.
Authorisation
The provider asks the buyer's bank, the issuer, to approve the amount. The answer comes back in seconds as approved or declined, with a reason code.
Declines for low funds, suspected fraud or mistyped details. A vague error message makes buyers give up instead of trying another card.
Test cards for each decline type, and a clear message that suggests another method.
General flow for card and wallet payments. Bank buttons, invoices and PayPal follow the same idea with different names for each step; your provider's documentation has the exact events.
Who holds what
Payments are the one part of a store where I deliberately stay out of the money. Pikselipolku does not process money or hold card data. You contract with each provider directly, and card data stays with the provider.
Own the contracts
- The merchant agreement with each provider, in your company's name
- The provider dashboards, payouts and API keys
- The decision on which methods to switch on
Holds the card data
- Card numbers, entered on its hosted page or fields
- Approval of your account and of each payment
- Settlement of funds to your bank account
Builds and tests
- A restricted user in your accounts, removed when we finish
- Plugin, app or code set-up, webhooks and order sync
- Never your money, card numbers or live secret keys in email
Card-security obligations (PCI DSS) still apply to every merchant. Hosted pages keep your share small; check your own obligations with your provider. This is not compliance advice.
Selling in Finland and abroad from one store? Plan the checkout before choosing providers.
Plan my checkoutThree ways to start
Proposed prices in euros, excluding VAT. Provider fees are separate, paid by you directly to each provider under your own contract.
Failure audit
- For a live checkout that loses payments
- Gateway reports, orders and server logs read together
- Ranked fix list in writing
Checkout plan
- Method mix and order for your market and cart type
- Two or three providers compared on their current pages
- Contract checklist and a test plan you keep
Plan and set-up
- PayPal from €390, Klarna from €450, Finnish methods from €590
- Stripe from €690, Worldpay from €890
- In a new store build: itemised in the store quote
On your platform
The provider decides the methods; the platform decides how cleanly they connect. Each has its own quirks.
From plan to the first real payout
- 1
Plan the mix
Market, cart type and basket size decide the methods and their order.
- 2
You sign
You apply to each provider with my checklist and give me a restricted user.
- 3
Build in test mode
Plugin, app or code, webhooks and order sync, all on test keys.
- 4
Break it on purpose
Declined test cards, 3-D Secure challenges, refunds and a webhook retried twice.
- 5
Go live
One small real purchase and refund, then I watch the first payout match the orders.
When I would not add another payment method
More buttons are not always more sales.
- 01Buyers leave before the payment step, for example at a surprise shipping cost. That is a checkout fix, not a payments job.
- 02The method's fee is larger than what it is likely to bring at your basket size. I will say leave it out, and show the sum.
- 03You need an account approved by a fixed date. Approval is the provider's decision; I cannot speed it up or promise it.
Questions about payment integration
Which payment methods should a Finnish store offer?
Online bank buttons, MobilePay and the main wallets, cards, and an invoice or instalment option, usually all through one Finnish payment provider. Add PayPal if you sell abroad. The exact list depends on the provider contract, so I compare two or three providers' current method lists before you sign anything.
Do you handle my merchant account application?
I prepare it with you, but you apply and sign. The contract is between your company and the provider, and only the provider decides on approval. I list the documents they usually ask for, supply the technical details such as policy page addresses, and help answer their follow-up questions.
Is card data stored on my server?
No. With hosted payment pages or the provider's embedded fields, card numbers go straight to the provider and never touch your server or mine. Pikselipolku does not process money or hold card data. Your store keeps only a payment reference, the amount and the status, which is what refunds need.
Plan my checkout
Tell me where you sell, your platform and any providers you already use. You get a written fixed price within one working day.
Checkout plan: Finland, B2C, typical order €50 to €500. Methods in order: Finnish online bank buttons; MobilePay and Siirto; Apple Pay and Google Pay; Card payment; Pay later or instalments; PayPal.
Fixed price agreed in writing before work starts. If a provider turns down the account, set-up work stops and you pay only for the plan. owner to confirm
Pikselipolku does not process money or hold card data. You contract directly with each provider and card data stays with the provider.
Pikselipolku is an independent studio and is not affiliated with Stripe, PayPal, Worldpay, Klarna, Paytrail or any other provider named here.
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