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September 21, 2026 at 07:00 AM
Finnish shoppers do not check out the way shoppers in most of Europe do. Cards are not the default, and neither is a Klarna-style pay later button. The most common way to pay online in Finland is a direct bank transfer, opened through the buyer's own online bank and confirmed with the same login they already use. Any payment gateway built primarily around cards will miss the payment method most Finnish shoppers actually prefer.
This guide covers what a payment gateway needs to support in Finland, the methods that matter most, and how to set one up without signing a separate contract for every provider.
A payment gateway sits between your checkout and the banks, card networks, and wallets your customers use to pay. It authorises the payment, passes the funds through to your acquirer or provider, and gives you the tools to capture, refund, or partially refund an order afterward.
In most markets, one or two providers can cover the bulk of demand. Finland is different in practice, because the strongest local method runs through the national bank-transfer network rather than a card scheme. That means a gateway aimed at Finland needs a working connection to Finnish banks specifically, not just a general European card processor with local payment methods added as an afterthought.
Bank transfer, via Paytrail. Paytrail is the most widely used payment provider in Finland, with full coverage of major Finnish banks, cards, and wallets through a single connection. For Finnish consumers, paying by bank transfer through a trusted local brand like Paytrail is still the default, not the alternative.
MobilePay. The mobile wallet is one of the leading payment apps in both Denmark and Finland, and it is worth treating as a first-class checkout option rather than an add-on for Finnish buyers.
Cards and global wallets. Visa and Mastercard, plus Apple Pay and Google Pay, remain relevant for a share of Finnish shoppers and for cross-border buyers. A Nordic PSP like Nets Easy can cover card acquiring and local methods such as Swish, Vipps, and MobilePay through one connection across Sweden, Norway, Denmark, and Finland.
B2B and B2C invoicing. For merchants selling to businesses, or to consumers who expect to pay after delivery, invoicing and instalments matter in Finland as much as they do elsewhere in the Nordics. Svea offers B2B and B2C invoicing, card payments, and instalments, with Finland included in its coverage alongside Norway and Sweden.
A few questions are worth answering before picking a provider:
Does it actually connect to Finnish banks, or does it only list "bank transfer" as a generic option that quietly underperforms in Finland specifically? Paytrail's strength is exactly this: local bank coverage and a brand Finnish consumers already recognise.
Does the provider cover B2B invoicing separately from consumer payments, or would you need a second contract to offer it? If your buyers include businesses that expect to pay on terms, this is not optional.
What happens if the provider's roadmap or pricing changes? A single-gateway setup means a single point of lock-in. Merchants who want to add a second local method later, or swap a provider that stops performing, are better served by an architecture that does not require rebuilding the checkout to do it.
Briqpay connects multiple providers and methods through one integration, so you are not managing a separate technical relationship for every payment method you want to offer. For the Finnish market specifically, that means local methods, Paytrail for bank transfer and MobilePay for mobile wallet payments, can sit alongside global cards and wallets through Nets Easy, and B2B or B2C invoicing through Svea, all in the same checkout.
You keep full control over your own commercial agreements with each provider. Briqpay is the integration layer, not the contract holder, so pricing and terms stay between you and the provider you choose. Configuration logic, which method to show by cart value, customer type, or channel, is yours to set. Providers can be added, tested, or removed without rebuilding the checkout each time, so if a new local method becomes relevant in Finland, or an existing one changes terms, switching does not mean starting the integration over.
What is the most common way to pay online in Finland? Bank transfer through the buyer's own bank, most often via Paytrail. It outperforms card payments as the default method for many Finnish e-commerce purchases.
Is MobilePay only relevant in Denmark? No. MobilePay has wide consumer adoption in Finland as well as Denmark, and is worth offering as a dedicated checkout option rather than folding it into a generic wallet button.
Can I offer B2B invoicing to Finnish business customers? Yes. Svea supports B2B and B2C invoicing and instalments in Finland, alongside Norway and Sweden.
Do I need a separate contract with every provider I want to offer in Finland? Not through Briqpay. You keep your own commercial agreement with each provider, but you connect to all of them through a single technical integration rather than building and maintaining one per provider.
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