How to get started

💡 Good to know: Keep track of service status

Always stay informed about the status of our online payment service, including planned maintenance and unexpected disruptions. You can also subscribe to receive email alerts about updates and changes:

• Online payment service status page

1. Setup the payment service

The payment service is now available to setup!

To start processing payments, add your Merchant ID and Merchant Secret to your online store’s backend. Find these credentials in the Merchant panel under Merchant account.

If you need help adding the credentials to your online store, check out our platform-specific instructions.

2. Test the checkout flow

A clear checkout flow makes ordering easier.

Test your online store’s checkout flow and the visibility of payment methods by making test orders.

To test without making real payments, use our test credentials for Paytrail's service.

3. Add terms to your online store

It’s important that the terms of your online store are current, clear, and legally compliant.

1. Ensure your store includes comprehensive and clear terms for your customers. See specific info required.

2. Add Paytrail's payment terms provided in the box below to your online store. See other language versions (Finnish and Swedish).

4. Offer a variety of payment methods

Offering diverse payment methods helps customers choose their preferred way to pay and improves your store’s conversion rate. Our selection includes:

• Finnish online banks
• Cards : Visa, Mastercard, and American Express. When you activate card payments, Click to Pay is automatically enabled. It speeds up checkout by securely storing card details.
• Mobile payment methods: Apple Pay, Google Pay, MobilePay, and Siirto
• Buy now, pay later: Klarna, Walley, OP Overdraft Facility, and OP Lasku (Invoice)
• International payments:
  • PayPal is technically integrated into Paytrail’s system but requires a separate agreement.
  • Klarna offers consumers local payment options in international e-commerce.
  • Credit cards, Apple Pay, and Google Pay are also available.

You can manage available payment methods in the Merchant panel.

Some payment methods are subject to industry-specific restrictions and method-specific rules and special terms.

Enabling the Klarna payment method requires access to the Klarna Partner Portal and adding Klarna’s terms and conditions to your online store’s payment terms. Read instructions for enabling the Klarna payment method.

💡 Tell your customers about Paytrail with ready-made materials

Make your setup complete with our ready-to-use resources. Use payment method banners to show customers which payment options are available in your online store. Share our social media materials on your company’s channels to let customers know Paytrail is enabled. Explore our payment method banners and social media assets.

Settlements and accounting

• Get settlement reports emailed directly or download them from the Settlement reports page. Send reports to multiple email addresses if needed
• Reports include settlement details and deducted transaction and commission fees. A report is automatically generated once settlements are calculated
• Check your settlement cycle and delay in the Merchant panel under Settlement settings. Depending on the package, it is possible to change the settlement cycle to once a week or once a month
• Automate accounting by retrieving accounting data using the interface

Other features

• User roles: We recommend having more than one user for the Merchant panel. User roles allow you to control what information each user can access. For example, an accountant can be given access to only view payments and settlements
• Payment link: Sending a payment link is convenient when a customer adds to their order or a customer places an order by phone

Keep your information up to date in the Merchant panel

Updating your details in the Merchant panel is simple and secure. Make sure that key information, such as invoicing details, contact information, and your designated contact person’s details, is always current. This helps ensure smooth collaboration.

Parallel credentials

Parallel credentials are a convenient way to separate the sales of several online stores and to receive payments to different bank accounts, making accounting easier. 

Shop-in-Shop service

Shop-in-Shop service enables multiple parties to sell products or services in the same service, shopping cart and payment.

Tokenization and subscriptions

Give your customers a faster, easier way to pay. When they save their card at checkout, future purchases are quick and secure—no need to re-enter card details.

• Payment is completed in seconds, especially on mobile
• Card details are always kept secure
• Recurring purchases and subscriptions are handled automatically

Note: Enabling this feature requires development work on your online store.

Learn more about tokenization and subscriptions

Payment terminals

In autumn 2025, we’ll launch Paytrail Omnichannel — a solution that makes multichannel sales simple. With one agreement, you’ll get access to Paytrail’s versatile online payment methods and Nets’ modern payment terminals.

Learn more about Paytrail Omnichannel

Need a payment terminal right away? Nets offers solutions for a variety of needs, from in-store sales to mobile sales. With the code NETSETU, you’ll get the first three months free on Nets payment terminals.

Order terminals on Net's website. Select Contact sales. Remember to provide the code NETSETU when placing your order.

Library

In our library, you’ll find comprehensive reports and ebooks. 

Explore the library

Building the future of digital commerce in Finland

Paytrail is a founding member of Digital Commerce Finland, a community working to make Finland the most competitive country in digital commerce.

We warmly invite everyone to join the community.