Take payments the way Finland actually pays
Finnish shoppers expect bank buttons, MobilePay, wallets and invoice options, not only cards. I connect them through a Finnish payment provider such as Paytrail to Shopify, WooCommerce, Magento or your own build, then test every method end to end. From €590.
Online bank 0 of 9 lit
- Nordea
- Osuuspankki
- Danske Bank
- Säästöpankki
- Oma Säästöpankki
- POP Pankki
- Aktia
- Ålandsbanken
- S-Pankki
Press any city on the map. Each one lights another bank button on the sample payment page.
Methods as listed on one Finnish provider's public page when checked. The list on your checkout depends on your provider contract. Banks are national; the city order is only for the demo.
Four rows a Finnish buyer scans for
A Finnish payment page is a grid of choices, not a single card form. Each row behaves differently after the buyer taps it, and each needs its own tests.
Online bank buttons
The buyer is sent to their own bank, confirms with the bank's usual sign-in, and comes back. One-off payments only; they cannot renew a subscription.
Phone wallets
MobilePay and Siirto confirm in a phone app; Apple Pay and Google Pay confirm on the device. The return trip to the store is where tests catch most problems.
Invoice and instalments
The provider or its partner decides who gets credit. Who carries an unpaid invoice depends on the provider's terms; read them before switching it on.
Cards
For buyers abroad and anyone without a Finnish bank. Usually through the same provider, so one contract still covers every row.
Already have a provider contract? I can usually start on the set-up the same week.
Get a Finland checkout quotePick your provider
A Finnish provider compared with Stripe and PayPal, using only what each provider's own public pages said when checked. No fee figures: they depend on your contract and change. Highlight a column to read it on its own.
| What you get | A Finnish providerexample: Paytrail | Stripecard-first, international | PayPalaccount wallet |
|---|---|---|---|
| Finnish bank buttons | Yes: Nordea, Osuuspankki, Danske Bank, Säästöpankki, Oma Säästöpankki, POP Pankki, Aktia, Ålandsbanken, S-Pankki | Not listed on the pricing page checked | Not listed on the fees page checked |
| Wallets | Apple Pay, Google Pay, MobilePay, Siirto | Digital wallets for cards; check the payment-methods list for Finland | The buyer's PayPal account |
| Invoice and instalments | Klarna, OP Lasku, OP Tililuotto, Walley, Walley B2B invoice | Klarna, listed under buy now, pay later | PayPal Pay Later is listed; check availability for Finnish buyers |
| Cards | Visa, Mastercard, American Express, Click to Pay | Domestic and international credit and debit cards | Card payments, including buyers without a PayPal account |
| Contract steps | Sign up online; open-ended agreement with one calendar month's notice. PayPal through it needs a direct agreement with PayPal. | Online sign-up and account verification by Stripe | A PayPal business account, under PayPal's terms |
| Fee structure | Charged per completed payment; see the provider's pricing page | Pay as you go: a percentage plus a fixed amount per payment, no set-up or monthly fee on standard pricing; extras for some services | A percentage plus a fixed fee per transaction, with different rates for some payment types and for international payments |
| Platform connection | WooCommerce extension, free to install with a provider account; apps for Shopify and Adobe Commerce (Magento) | Check your platform's app or plugin directory | Check your platform's app or plugin directory |
| Source | paytrail.com/en/payment-methods, and the Paytrail page on woocommerce.com | stripe.com/en-fi/pricing | paypal.com/fi/business/paypal-business-fees |
Paytrail is named as one example of a Finnish provider, not a recommendation; other Finnish providers offer similar bundles. Check the provider's current pages before you decide.
Questions about Finnish payment methods
Which Finnish payment provider should I choose?
The one whose current method list, contract terms and plugin for your platform fit your store. Several Finnish providers bundle bank buttons, wallets, cards and invoice under one agreement. I compare two or three on their own published pages and check how well each plugin is maintained; you choose and sign.
Do I need a separate contract with each bank?
Usually not. A Finnish payment provider gives you the bank buttons, wallets and cards under one agreement with the provider. Some methods are exceptions; one provider's page notes that PayPal needs a direct agreement with PayPal. Pikselipolku does not process money or hold card data: you contract with the provider directly.
Can foreign customers still pay by card?
Yes. Finnish providers also take the major card schemes; one provider's page lists Visa, Mastercard and American Express. Buyers abroad skip the bank buttons and pay by card or wallet. If most buyers are abroad, I may suggest a card-first provider alongside and show you the trade-off in writing first.
From contract to the first test payment
- 1
Choose
We compare providers on their current pages; you pick one and apply.
- 2
Access
You add me as a restricted user. Live keys stay in your account.
- 3
Connect
Plugin, app or code on your platform, with the provider's test credentials.
- 4
Test each row
Every bank button, wallet and invoice option paid, cancelled and refunded in test mode.
- 5
Go live
One small real payment and refund, then the first settlement checked against orders.
Prices
Proposed prices in euros, excluding VAT. Provider fees are paid by you directly to the provider.
Checkout plan
- Which methods, in which order, for your buyers
- Two or three Finnish providers compared
- No build; a plan you can hand to anyone
Finnish methods set-up
- Provider plugin or app installed and configured
- Every method tested in test mode, then one live payment
- Refunds and order statuses checked both ways
Finland plus abroad
- Finnish methods plus a card-first provider alongside
- Stripe set-up from €690, PayPal from €390
- One test plan covering both
On your platform
The same Finnish methods connect differently on each platform.
When a Finnish provider is not the answer
Bank buttons only help if your buyers have Finnish banks.
- 01Most of your buyers are abroad. A card-first provider may serve them better, with Finnish methods added later.
- 02You sell only subscriptions. Bank buttons cannot renew, so saved cards matter more than a full grid of banks.
- 03Your platform has no maintained plugin for the provider you want. I will say so before you sign, not after.
Get a Finland checkout quote
Tell me your platform, whether you already have a provider, and which methods you want. You get a written fixed price within one working day.
Fixed price agreed in writing before work starts. If the provider turns down the account, set-up work stops and you pay only for work done to that point. owner to confirm
Pikselipolku does not process money or hold card data. You contract directly with the 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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