Introduction
Finland is known for its high rate of digital and mobile payments, making efficient payment gateways essential for Finnish businesses. This article details the top 10 payment gateways in Finland, each offering reliable solutions to support online payments in diverse business sectors.
1. Paytrail
As a local favorite in Finland, Paytrail is known for its simplicity and trustworthiness.
Key Features:
- Supports various payment methods, including credit cards, online banking, and mobile payments
- Quick setup and integration with major eCommerce platforms
- Strong focus on security and fraud prevention
Fees:
- Transaction fees start at around 2.5% per transaction
2. PayPal
PayPal remains popular for Finnish businesses with a global customer base, offering multi-currency support and quick integration.
Key Features:
- Global acceptance and multi-currency support
- Buyer and seller protection policies
- Simple integration with most online stores and eCommerce platforms
Fees:
- 3.4% + €0.35 per transaction
3. Klarna
Klarna is well-received in Finland, especially for businesses wanting to offer flexible payment options to customers.
Key Features:
- “Pay Later” options, including installments and invoicing
- Highly optimized for seamless checkout
- Excellent fraud protection for both customers and businesses
Fees:
- Custom pricing based on the specific payment plan and transaction volume
4. Stripe
Stripe is ideal for Finnish businesses with a need for API flexibility and global reach.
Key Features:
- Broad support for multiple currencies, including the Euro
- Extensive API integration options
- Advanced fraud detection and management tools
Fees:
- 1.4% + €0.25 for European cards
- 2.9% + €0.25 for non-European cards
5. Nets Easy
Nets Easy offers a comprehensive payment solution for Finnish businesses of all sizes.
Key Features:
- Support for various payment methods, including local bank transfers and mobile payments
- User-friendly setup and streamlined checkout experience
- Enhanced security features, such as 3D Secure
Fees:
- Custom pricing based on transaction volume and business needs
6. Checkout Finland
Checkout Finland is a popular choice due to its adaptability for Finnish online stores and local bank support.
Key Features:
- Integrates with most Finnish banks for direct transfers
- Fast and straightforward setup for Finnish SMEs
- Secure payment methods, including card payments and invoicing
Fees:
- Around 2.5% per transaction, based on the payment method used
7. Adyen
Adyen is well-suited for Finnish businesses with high transaction volumes or international clientele.
Key Features:
- Support for multiple payment options, including local bank payments and credit cards
- Comprehensive data insights and fraud prevention tools
- Seamless integration with popular eCommerce platforms
Fees:
- Custom pricing based on transaction volume
8. Verifone
Verifone offers a range of payment solutions tailored to Finnish businesses, from mobile payments to secure credit card processing.
Key Features:
- Multi-channel payment options, including in-store and online
- Strong focus on secure payment processing
- Comprehensive support for invoicing and installment payments
Fees:
- Customizable based on the chosen services
9. Bambora (Worldline)
Bambora is a good choice for Finnish businesses, particularly small to medium-sized ones, looking for reliable digital payment processing.
Key Features:
- Simple integration with eCommerce sites
- Clear reporting and analytics for transaction monitoring
- Flexible pricing and payment options
Fees:
- 2.85% per transaction on average
10. Trustly
Trustly enables direct bank transfers without cards, which appeals to Finnish consumers who prefer bank payments.
Key Features:
- Instant bank transfer without card usage
- BankID support for authentication
- No need for additional registration, making it user-friendly
Fees:
- Customized pricing based on transaction volume and business type
FAQs
1. Is Paytrail the most used payment gateway in Finland?
Yes, Paytrail is one of the most popular options, offering easy integration with Finnish banks and platforms.
2. Can international customers use Checkout Finland?
Yes, Checkout Finland supports international payments, though it’s primarily optimized for Finnish banks and currency.
3. What’s the best option for installment payments?
Klarna and Verifone are excellent for installment payments, providing flexible options and strong consumer protection.
4. Which payment gateway is the best for small businesses in Finland?
Bambora and Paytrail are both accessible and affordable options that cater well to small Finnish businesses.
