Paytrail

Paytrail is Finland's most established online payment provider, enabling merchants to accept all Finnish and international payment methods through a single merchant agreement and integration. Covering bank transfers, mobile pay, card payments, and invoice or instalment services, it eliminates the complexity of managing multiple provider relationships.

Beyond standard checkout, Paytrail offers card tokenisation for one-click and recurring payments, a shop-in-shop model for multi-merchant platforms, and a mobile SDK for in-app payment flows — all backed by 99.98% service availability and Finnish-language support.

Key benefits:

• All Finnish payment methods under one merchant agreement
• Card tokenisation for one-click checkout and recurring billing
• Shop-in-shop model for marketplaces and multi-merchant platforms
• Mobile SDK for seamless in-app payment acceptance
• Merchant financing options for eligible businesses
• No setup fee with month-to-month cancellation

Paytrail is headquartered in Jyväskylä, Finland, and has operated since 2007 as a regulated payment institution under the Finnish Financial Supervisory Authority (FIN-FSA). As an EU-licensed PSP, all payments are processed under GDPR and EU financial regulation with customer data hosted in Europe.