Secure and seamless online payments

Paytrail is a trusted Finnish payment provider, handling online transactions for over 20,000 businesses.
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Finland's most trusted online payment experts

Founded in 2007, Paytrail is Finland’s leading online payment company. We provide secure and reliable payment services for e-commerce businesses and apps. Our solution powers payments for thousands of online stores and services, as well as official services like the State Treasury’s Suomi.fi platform. Finnish municipalities, Trafi, the Police’s e-services, and the Patent and Registration Office also use our payment service.

We’re part of the Nets/Nexi Group and operate under a payment institution license granted by the Finnish Financial Supervisory Authority. Our mission is to deliver trusted expertise, develop innovative payment solutions, and support Finnish merchants, consumers, and partners with exceptional service, while also being a technological pioneer in our field.

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Paytrail's payment service in a nutshell

  • Shopping with Paytrail is always safe and easy. You can pay securely on any website that uses our service
  • Our friendly and experienced customer support is available in Finnish, English, and Swedish
  • Pay your way with online banks, cards, mobile payments, or Buy now, Pay later options
  • Each online business selects which payment methods they offer, so options may vary
  • Payments processed through Paytrail will appear as Paytrail Oyj on your bank or credit card statement
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Secure online payments

Companies licensed by the Finnish Financial Supervisory Authority must meet strict security standards. These licensed payment service providers are regularly monitored and are required to follow robust technical and operational security practices. 

When paying through Paytrail's payment service, you can be sure that the payment is handled securely. Every online business using our service has met specific approval criteria, helping ensure the safety and reliability of your purchase.

We work closely with banks and other financial sector partners to build even safer and more effective ways to support e-commerce. We are also committed constantly improving the security of our payment service, actively monitoring to detect and prevent fraud and investigating every suspicious activity alert with expert review.

Learn more about secure online payments

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Flexible online payments with your preferred method

Shopping online with a store or service using Paytrail is always easy and secure. You can choose from a wide range of payment methods, including online banking, cards, Buy now, Pay later options, and popular mobile payment methods. We continuously improve our service based on customer feedback.

 Available payment methods may vary by online store. For all payments processed through our service, Paytrail Oyj will appear on your bank or credit card statement.

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Consumer customer service

Our friendly customer support is here to help if you’ve paid through Paytrail. 77% of users recommend our service.

Check the FAQs below or contact us via chat, email, or phone.

We're happy to help with all your questions! 

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Frequently asked questions about Paytrail

Paytrail is a trusted Finnish online payment company, used by over 20,000 online stores and digital services.

Shopping online with a store or service using Paytrail is always easy and secure. You can choose from a wide range of payment methods, including online banking, cards, Buy now, Pay later options, and popular mobile payment methods. We continuously improve our service based on customer feedback. Available payment methods may vary by online store. For all payments processed through our service, Paytrail Oyj will appear on your bank or credit card statement.

We are a licensed payment institution authorized by the Finnish Financial Supervisory Authority, which means we meet strict security requirements. We work closely with banks and other financial sector partners to build even safer and more effective ways to support e-commerce.

Paytrail is a licensed payment service provider that enables online payments for businesses. If you see Paytrail listed on your bank or card statement, it means we processed the payment on behalf of an online store or service.

To find more details about the transaction, check your email for an order confirmation from the online store. These are typically sent at the time of purchase and include the payment date.

Most online stores will email you an order confirmation, which also serves as your receipt. If you haven’t received it or can’t find it, please contact the online store where you made the purchase.

Start by contacting the online store where you placed the order. If you can’t reach them, our customer service team can help you get in touch with the online store and check the status of your order.

Start by contacting the online store and following their return instructions. As the return is processed, you will receive additional information from us by email.

Refunds typically take a few business days to process. For an estimate, please check the online store’s return policy. Keep in mind that transfers between banks take time and follow the Finnish banks’ operating hours.