Contact us

Introduction

We have compiled the most important information for the implementation and effective use of Paytrail as well as features of the service.

Click on a topic in the top menu to go directly to the specific section.

The three main topics are:

1. Service setup
2. Payment methods selection
3. Service implementation & technical features

Under the Service implementation section, you will find a more detailed description of the service’s key features and related considerations.

Additionally, you will find many tips for improving the conversion rate of your online business.

Scroll and read!

1 Setup

Paytrail setup begins with signing up for the service

Who is the beneficial owner?

Private trader The entrepreneur is the beneficiary.
Limited company All persons who directly or indirectly own more than 25% of the company's shares or otherwise an equivalent share of the company or use directly or indirectly more than 25% of the company's voting rights are beneficial owners. If the company is owned by another company, the beneficial owners are the people who own more than 25% of the owning company or exercise voting rights.
Public limited company It is not necessary to submit the information of the actual beneficiaries.
Association The actual beneficiaries of the association are the board members.
Public law entity Members of the board of the municipality, CEO or other person in a similar position (e.g. mayor).
Congregation or religious community The board members entered in the register are actual beneficiaries.
Foundation Members of the board and supervisory board registered in the foundation register are actual beneficiaries.
Housing company The actual beneficiaries are the board members of the housing company.

 

  1. Sign up for the service. 
  2. Go to the Merchant panel and enter the information under the “Merchant Account” section – you will receive log in instructions via email. See instructions for completing the beneficial owner information.
  3. Sign the agreement electronically in the Merchant panel.
    • Note: This can be done by an authorized signatory and someone with Finnish bank credentials. If no one in the company has Finnish bank credentials, please contact Paytrail's customer service team. 
  4. Paytrail’s customer service will usually contact you within a few business days to provide more information about the service.
  5. You will receive a notification via email when the service is ready to use. You can then start accepting payments!

 

Your online business must include terms and conditions, payment terms, and the company’s contact information. Instructions on the information to be added, as well as payment terms in different language versions, can be found in our Help Center.

We also recommend adding information about payments and payment methods to your website.

See our logos & banners

Platform-specific instructions for getting started can be found in section 3 "Service implementation."

Why are beneficial owner details needed?

The Act on Detecting and Preventing Money Laundering and Terrorist Financing requires us to know our customers. For this reason, we need information about your company’s owners and other key individuals involved in its operations.

Additionally, the activation of some payment methods requires us to provide the authorized signatories of your company to the payment method partner.

B) Provide info about any politically exposed persons

A politically exposed person (PEP) is an individual who holds a prominent public position or function, or someone who is closely associated with a politically exposed person.

A) Provide info of the beneficial owners, or individuals who:

  1. Directly or indirectly own more than 25% of the company's shares or otherwise an equivalent share of the company or entity.
  2. Directly or indirectly control more than 25% of the company’s or entity’s voting rights. Voting rights can be based on ownership, membership, the company’s articles of association or agreement, or comparable rules.
  3. Otherwise, effectively exercise control over the company or entity.

If there are no beneficial owners in the company based on the above criteria, individuals such as board members, the CEO, general partners, or other individuals in similar positions can be considered beneficial owners. See the table above for more information!

2 Payment methods

Paytrail offers all the necessary payment methods with a single agreement

One of the most common reasons for abandoning a purchase is the absence of a preferred payment method. A key factor in improving conversion is offering a diverse range of payment options so that everyone has their preferred payment method.

paytrail-banneri-2024-kaikki-maksutavat

 

1. Finnish online banks
2. Mobile payment methods
3. Cards
4. Buy now, Pay later
Nordea, Osuuspankki, Danske Bank, Säästöpankki, Oma Säästöpankki, POP Pankki, Aktia, Handelsbanken, Ålandsbanken ja S-Pankki

Bank payments are still the most commonly used online payment method in Finland. Paytrail is the only payment service provider offering two interfaces for bank payments, which provides a backup system in case any issues arise with the primary payment interface. In case of an issue, the customer does not need to worry about switching the interface, as it is automatically activated without interrupting the payment process.

It is possible to make payments using a company’s online banking credentials through Paytrail. Some banks do not have a separate B2B option, so payments can be made using the same option with business credentials if the primary bank interface (PSD2) has been activated for the merchant. OP’s business customers must first get additional access rights to their business credentials.

The following separate B2B options are available through Paytrail’s service:

  1. Nordea B2B
  2. Danske Bank B2B
  3. Handelsbanken B2B
MobilePay, Siirto & Apple Pay

Mobile payments have significantly increased in popularity. Apple Pay enables fast payments and is also well-suited for international transactions. 

applepay-EN

 

 

 

 

 




Enabling Apple Pay requires activation in "Payment methods" section of the Merchant panel. If Paytrail’s payment page is used, the payment method will work immediately after activation.

If the payment page bypass is used, the Apple Pay verification file must be added to the pages where Apple Pay will be used. After adding the file, enter the URLs where you have added the verification file into the Merchant panel.

On the WooCommerce platform, Apple Pay is already embedded in plugins developed by Markup and WebData. After entering the online store’s URL in the appropriate field in the Merchant panel, Apple Pay is activated in the Markup plugin settings under “Apple Pay.” With the WebData plugin, activation requires a separate verification file.

Learn more about enabling Apple Pay.

Visa, Mastercard, American Express & PayPal interface

Accepting card payments through Paytrail is safe and easy. All traditional card payments are verified using card company authentication methods (e.g., Mastercard SecureCode or Verified by Visa) if the card is enrolled in the verification program. This effectively reduces card fraud.

In addition to cards, Paytrail supports the PayPal interface, and you can link your own PayPal agreement to Paytrail’s service in the Merchant panel. After that, the PayPal option will appear on the payment page or as an embedded option.

PayPal payments do not appear on Paytrail’s settlement reports because Paytrail does not process these payments. See instructions for adding PayPal. 

Walley, OP Invoice and OP Overdraft Facility

lasku- ja osamaksutavat EN

Learn more about the differences between BNPL payment methods:

Buy now, Pay later terms

Benefits of BNPL payment methods for the merchant

  1. The payment is paid out according to the normal settlement delay. The merchant does not need to wait for the customer to pay the invoice.
  2. The payment method partner is responsible for sending the invoice to the customer.
  3. The customer can choose to convert the invoice into an installment plan, which offers more payment time. This allows the customer to purchase more at one time.
  4. Fraud guarantee: The customer’s identity is verified through strong authentication at the time of the order.
  5. Credit risk management: If the customer does not pay the invoice, the payment method partner handles the debt collection.
Walley Buy now, Pay later
OP Invoice (OP Lasku)
OP Overdraft Facility (OP Tililuotto)

Walley Buy now, Pay later offers the option to pay for online purchases either in full or in installments.

  1. Suitable for purchases up to 5,000€.
  2. Invoice has a 30 day interest-free period.
  3. Credit approval requires minimum age of 18 years, a Finnish personal identity code, and a permanent address in Finland.
  4. The credit repayment can be spread over up to 36 months. Read more on Walley’s website.

Walley also offers the possibility to manually activate invoices for up to 90 days via the interface. This feature allows the postponement of the date the invoice is sent. This can be beneficial if the product/service can only be delivered at a later time. Instructions for technical implementation.

OP Invoice (OP Lasku) is a flexible, reliable, and secure Buy now, Pay later payment method that allows payment by invoice or in installments. OP Invoice (OP Lasku) is available to consumers regardless of where their bank account is.

  1. Suitable for purchases up to 5,000€.
  2. Offers 45 day interest-free period and the option to pay in installments. A €2.95 account management fee is added to the invoice, and the annual interest rate for installment payments is 19.50%. If you pay the minimum amount on the invoice, it automatically switches to installment payments.
  3. Credit approval requires minimum age of 20 years, financially stable, and a Finnish online bank codes.

Learn more about OP Invoice (OP Lasku)

OP Overdraft Facility (OP Tililuotto) is a flexible and secure payment method for larger everyday purchases, with financing available up to 7,500€. Consumers can easily apply for credit at the time of purchase. OP Overdraft Facility's (OP Tililuotto) credit decision is based on a comprehensive assessment of the applicant’s financial stability.

  1. Easy-to-use payment method supported by OP’s domestic customer service
  2. 30 day interest-free period.
  3. All purchases made during the month are billed on a single invoice.
  4. Credit can be repaid in installments or in full.

Buy now, Pay later terms. 

3 Service integration

Payment service integration

The technical implementation significantly impacts the features, user experience, reporting, and payment methods of the payment service.

Below are the key factors that affect the features and should be considered during the service integration.

How the service is integrated will affect the following features:

  1. Displaying payment methods directly at checkout (payment page bypass).
  2. Callback URL requests.
  3. Refunds through the API from the back-office of the e-commerce platform.
  4. API for settlement reports and payment data.

The service integration can be simplified in terms of the data sent via the API, where only the customer’s email address is mandatory. If needed, detailed information about the customer and products can also be provided through the API.

Limiting the data sent via the API may impact the available payment methods and features. For example, using Buy now, Pay later payment methods (OP Lasku & Walley) requires not only an email address but also the customer's name (firstName & lastName fields). Processing refunds via the API based on individual product lines requires product information (item) and a line-specific identifier (stamp) to be included in the payment details.

* The conversion process is very straightforward, so it’s advisable to design the payment process according to your needs. When requesting payer and delivery information, only ask for essential details. Order information should ideally be filled out on a single page, after which the customer should be directed to payment. For example, when someone makes a donation where delivery information is not necessary, it’s best to ask for as little customer information as possible.

1. Compatible platforms & ready-made modules

The integration of Paytrail’s payment service depends on the e-commerce platform being used. Ready-made modules are available for the most common platforms, which our partners continuously maintain and develop. See the list of the most common platforms.


2. There are three ways to get started:

  • The e-commerce platform directly supports the payment service (SaaS platforms).
  • A ready-made plugin that enables the payment service (Open Source platforms
  • Custom integration using Paytrail's API documentation. To simplify this, we have released SDKs and code examples.

Payment page bypass / Use of payment page

payment page bypass

 

Paytrail’s API enables payment methods to be displayed directly at checkout. Using the payment page bypass eliminates the need to redirect to Paytrail’s payment page, removing an intermediate step and improving conversion. The customer selects their preferred payment method at checkout and proceeds to pay using the chosen method.

Eliminating intermediate steps has been shown to improve conversion, and using the bypass maintains your branding at checkout.

The payment page bypass is already implemented for common platforms such as WooCommerce, Shopify, MyCashflow, Vilkas, and several other modules. You can ask for setup instructions from our sales team:  sales@paytrail.com 

Technical instructions for payment page bypass:

Payment page bypass is the default model for the Paytrail integration and by following the documentation, the bypass will be activated immediately. The payment process can be initiated in two different ways.

  1. GET /merchants/payment-providers, payment methods can be displayed on the website without creating the payment. The payment transaction is only created in Paytrail’s system once the customer selects a payment method and proceeds to payment (POST /payments).

  2. Payment is created directly in Paytrail’s system when the payment methods are displayed on the website, moving directly to the POST /payments phase.

Maksusivun-ohituksen-tekniset-ohjeet

ohitus

The API allows payment methods to be grouped using the group attribute when displayed at the  checkout. With the PaymentMethodGroup function, payment methods can be shown in separate groups (see image as example).

Groups:

  1. Oneline banks 'bank'
  2. Mobile payment methods 'mobile'
  3. Cards 'creditcard'
  4. Buy now, Pay later 'credit'

Instructions for displaying payment methods at checkout can be found in the documentation. 

Using the payment page

Although we recommend bypassing the payment page, it is still possible to use it. In this case, a link (href) to the payment page is created for each payment, and the customer is directed to it. The button directing to the payment page should be descriptively named, and the description should clearly state which payment methods are available.

Below are the instructions for using the payment page:

  1. Create a payment via HTTP POST /payments.
  2. Save the link href to the payment wall from the API response (https://docs.paytrail.com/#/?id=response-body)
  3. Redirect the customer’s browser to that link.
  4. After payment, the customer will return to the success or cancel URL provided by the merchant.

maksuseinä-kaikki-2024

 

Testing the payment service & test credentials

The payment service can be tested in the production environment before signing an agreement by using test credentials. When using test credentials, no real money is transferred.

You can test most of the payment methods included in our payment service with test credentials. The payment method-specific credentials needed for testing can be found in our documentation. 

Testing limitations. 

The payment service endpoint is also the same for test credentials: services.paytrail.com, and callback calls also work with test credentials.

To test the payment service, the test credentials below should be added to the payment settings of your e-commerce platform. Compatible platforms and links to platform-specific installation instructions are available. If necessary, ask your e-commerce technical provider for instructions. Payments made to the test merchant will not be forwarded.

Test credentials:

  1. Merchant ID: 375917
  2. Secret key: SAIPPUAKAUPPIAS

https://docs.paytrail.com/#/?id=test-credentials (the endpoint is the same as in production)

Shop-in-Shop test credentials:

  1. Aggregate merchant ID: 695861
  2. Aggregate secret key: MONISAIPPUAKAUPPIAS
  3. Shop-in-Shop merchant ID: 695874

Callback integration & payment confirmation

Callbacks are server-to-server calls made during a payment request. Callback calls are not mandatory but are very useful, especially for improving conversion.

Benefits of the Callback feature:

  • Confirms the payment status faster
  • Reduces the load on customer service – fewer issues to resolve
  • Particularly beneficial for merchants with clear sales spikes such as ticket sales

Note: If the customer’s payment fails, it’s a good practice not to empty the shopping cart.  The Cancel URL can redirect to the cart page with the products still in it, along with a message such as: “Unfortunately, the payment did not succeed with the selected payment method. Please choose another payment method."

The purpose of Callback URLs is to ensure that the payment is registered in the online store, even if the customer’s browser does not return to your website after completing the payment. This can occur if the consumer loses their internet connection or closes the browser during the payment process. Closing the browser too early is the most common reason for payment confirmation issues. The callback is triggered when the transaction status is either ‘ok’ or ‘fail’.

Callback URLs can be called multiple times. The merchant’s online store must be able to handle multiple requests for the same purchase.

Callback URLs can be specified in the body of the payment request. 

Aditionally, callback calls are authenticated. 

Refunds & API refunds

Refunding payments can be done through Paytrail’s Merchant panel or via the API.

If you make a lot of refunds, we recommend integrating refunds into your ecommerce platform. This way, refunds can be initiated directly from the online store. All refunds via the API can be done using this call. We recommend including the email field in the call. 

Refunds are always initiated to the payment method originally used by the customer. No action is required from the customer, and the amount will be refunded directly to that payment method. If the refund cannot be processed to the payment method used, the refund will be made via email. This functions as a fallback system in case the API refund fails or if the service provider does not support API refunds.

Item based refunds: It is possible to make item based refunds via the API. Processing refunds item by item requires sending product information (item) and an item specific identifier (stamp) in the payment details. 

Refund via the Merchant panel:

  1.  Log in to the Merchant panel.
  2. From the left-hand menu, click “Payments.”
  3. Search for the payment you want to refund using the appropriate search options.
  4. Open the payment you want to refund.
  5. In the payment details, go to “Order details and refunds.” Enter the refund amount in euros. You can refund the entire amount or make a partial refund.
  6. Click “Refund”.

Settlements / settlement reports / accounting

Our service provides comprehensive information for your accounting needs. You can get ready-made reports to send to your accountant, or you can automatically retrieve the reports via the API. Below are more features related to accounting and settlements.

1. Settlement type
2. Settlement cycle & settlement delay
3. Settlement reports
4. Settlement API & accounting automation

Paytrail allows flexible customization of settlements. Payments can be paid out either as net amounts (transaction fees are deducted from settlements) or as gross amounts (transaction fees are invoiced afterward).

Settlements are, by default, aggregated settlements, where payments are paid out in bulk according to the settlement delay. On a contractual basis, we can offer individual settlements (with an additional fee).

Individual Settlements: The full payment amount is paid out to the merchant without deducting transaction or commission fees. Fees and refunds are invoiced to the merchant on the first day of each month. For individual settlements, the payment’s reference number is provided in the “reference” field, which can only contain numbers and must be between 4 and 20 characters, including the checksum.

Payment allocation: To allocate an individual payment, the ‘reference’ field in the payment request can be used, where information up to a maximum of 200 characters can be entered. A single payment can include multiple products, which can be distinguished using the ‘productCode’ or ‘description’ fields in the item details.

Paytrail allows the settlement delay to be adjusted to suit the needs of the business. The settlement delay depends on the service package in use (M or S). By default, we pay out settlements once a week on Mondays (S package) or every weekday (M package). If your settlement cycle is daily, the typical settlement delay is 3 banking days.

Learn more detailed information about settlements.

In the Merchant panel, you can set reports to be automatically sent to your email and enable a transaction-specific breakdown for the report. See article on retrieving reports and setting up the transaction-specific breakdown.

See sample reports and settlement interface. 

Through the API, it’s possible to retrieve settlement data from Paytrail’s system without logging into the Merchant panel. The API enables accounting automation by allowing reports to be retrieved directly into the accounting system. When requesting a settlement report by its ID, the request must include a requestType, which specifies the file format in which the report will be returned (either JSON or CSV), along with a Callback URL where the report will be delivered.

  1. The settlement report numbers can be retrieved with a GET call: https://docs.paytrail.com/#/?id=settlements
  2. The desired settlement report material can then be retrieved using the settlement report number:
     https://docs.paytrail.com/#/?id=payment-report-request-by-settlement-id
  3. Alternatively, transactions can be requested using a desired date range: https://docs.paytrail.com/#/?id=payment-report-request 

If you do not wish to retrieve the data through the API, the Merchant panel allows downloading the data in PDF, CSV, or XLSX formats. By agreement, wee can also set up individual  settlements, where each transaction is settled directly to the bank account with a reference chosen by the online store. This allows reconciliation directly from the bank statement.

kirjanpito-en

 

Payment link

The payment link has been utilized in the following use cases:

  1. Hotel and cottage bookings
  2. Customized products or services
  3. Reservations
  4. Additional charges and modifications to existing orders

There are two different options for using the payment link: creating the link through Paytrail’s Merchant panel or via our partner’s Paylink portal.

The payment link is a convenient tool for collecting payments outside of online stores, such as in telemarketing, at events, or in cases where there is no physical product for sale. It offers a simple way to facilitate transactions in various situations.

The payment link can be easily sent to the customer via email or text message, allowing them to complete the payment using Paytrail’s available payment methods.

Learn more about the payment link.

Shop-in-Shop interface

The Shop-in-Shop payment service allows the sale of products or services from multiple sellers on a single platform, combining them in the same shopping cart and payment. Paytrail directly settles the funds to each seller, meaning the admin or marketplace owner is not responsible for handling the financial transactions. In addition, Paytrail provides detailed settlement reports to each seller.

sis-maksun kulku-EN

 

Shop-in-Shop, also known as the multi-merchant model, can be applied to various use cases such as: 

  1. Online marketplaces offering products from multiple companies.
  2. Franchise businesses
  3. Organizations or sports clubs, where payments need to be distributed among different teams.
  4. Public sector organizations

The Shop-in-Shop interface allows the admin to charge commissions on transactions or products. Charging a commission is optional.

How Shop-in-Shop works:

  1. The consumer pays using any payment method. The purchase may include products or services from several merchants.
  2. Paytrail receives the payment, calculates the settlement amounts, deducts the admin’s commission, and transfers funds to the sub-merchants.
  3. The admin receives the commission, which they can define in the “item” details of the payment ('commission').
  4. The sub-merchant receives their settlement automatically, with transaction fees and commissions deducted.

For technical instructions on implementing the Shop-in-shop API, refer to our documentation. The use of the Shop-in-Shop interface requires an agreement, please contact our sales team for more information.

Tokenization & subscriptions and in-app payments

Tokenization & subscriptions and in-app payments enable a seamless payment experience. When paying with a stored card, the customer only needs to enter their card details once, after which payments can be made by simply approving the transaction. Card details can also be saved directly during the first payment using tokenization.

What does tokenization mean?
Two models of tokenization
Mobile SDK & easy implementation of In-app payments

Thanks to card tokenization, card details are securely stored by the payment service provider in a PCI DSS-compliant card vault, ensuring that merchants never have access to the card information. Tokenization allows for a seamless experience, as customers don’t need to re-enter their card details. For recurring transactions, the online store initiates a charge request, such as for a monthly payment, using the securely stored card details.

Instructions for tokenization can be found in our documentation. 

Tokens from another service provider can be transferred to Paytrail’s service without requiring customers to re-enter their card information. If needed, we are available to assist with the token transfer process to ensure a smooth transition.

There are two different models for making payments:

  • MIT (Merchant Initiated Transactions)
  • CIT (Customer Initiated Transactions)

The MIT model is used for charges that occur without the customer’s direct interaction. This is common for time-based recurring payments, such as monthly fees for streaming services or subscriptions. 

The CIT model is used when the consumer has saved their card details and initiates the payment themselves, even if the actual charge occurs later. Examples of CIT payments include placing an order in a food delivery app, paying for fuel via a mobile app (like the Neste app), or paying in a taxi app.

Implementing payments natively into mobile applications is simple and easy with our tools. Our Mobile SDK allows you to integrate various payment methods into your mobile app in a way that suits your preferences and branding. Payment buttons can be embedded directly into the checkout page within the app, without requiring the user to switch to a browser for the payment process.

Documentation and software development kits are available for both iOS and Android platforms:

Merchants should also take into consideration the terms for recurring card payments. 

MobileSDK_screen_shots_EN

 

Availability

One of the most important features of a payment service is its availability and reliability.

You can check the real-time status of our service on our status page. Paytrail’s service availability is exceptional, with uptime reaching as high as 99.9%. Our service is trusted by the Finnish government and over 20,000 online businesses.

If you want to stay updated on the performance of our service and receive notifications directly to your email about planned maintenance or disruptions, subscribe to email updates from our status page.

Interested? Want more information?

If you have any questions about payment methods or feature implementation, we are happy to assist you. Feel free to contact us via email or phone!



sales@paytrail.com 
+358 20 718 1824 

partners@paytrail.com
+358 20 718 1823