What’s included in your Paytrail info packet
Start accepting payments
- Learn how to set up and start using the online payment service.
Start accepting payments with a payment terminal
- Learn how to set up and start using your new payment terminal.
Explore the Merchant panel
- Discover the key features of your daily management tool.
Additional services and features
- Boost your business with our financing options and extra services.
Stay informed about e-commerce trends
- Explore our resource library.
Excellent customer service
- Explore our Help Center and get help from our experts whenever you need it.
Start accepting payments
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.
More information about testing the payment system.
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.
2. Add Paytrail's payment terms provided in the box below to your online store. See other language versions (Finnish and Swedish).
Find more information about the required details your online store must display.
4. Offer a variety of payment methods
Offering diverse payment methods helps customers find their preferred way to pay and can improve 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 makes online checkout faster and easier by using securely stored card details. - Mobile payment methods: Apple Pay, Google Pay, MobilePay, and Siirto
- Buy now, pay later: Walley, OP Overdraft Facility, and OP Lasku (Invoice)
You can manage the available payment methods in the Merchant panel.
Some payment methods are subject to industry-specific restrictions and method-specific rules and special terms.
💡 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.
Start accepting payments with a payment terminal
1. Payment terminal delivery
Once your Paytrail Omnichannel service is activated, your payment terminal order will be processed automatically. PostNord will deliver the terminal to the address you provided, and you’ll receive a delivery notification once it’s on its way.
2. Set up your payment terminal
Follow the steps below to activate and start using your payment terminal.
Plug one end of the power cable into the left side of the charging dock and the other into a power outlet. Then place the terminal on the dock to start charging.
Choose your preferred language and tap Continue.
Then tap Activate to set up the terminal for receiving payments through the installed Npay payment application.
The screen will display the terminal ID and your business information. Check that the details are correct, then tap Yes, continue.
Set a 6-digit PIN for your terminal.
Review the terms of use from our partner Poynt GoDaddy shown on the screen, then tap Accept to continue.
Tap the Terminal app icon to launch it and start accepting payments.
Enter an amount using the touchscreen keypad and confirm the payment to test the terminal.
Use your own payment card to complete the test. Please note that the payment will be charged to the card you use.
Test the receipt printer by selecting the Paper receipt option on the terminal screen.
Explore the Merchant panel
Explore the key features
The Merchant panel gives you full visibility and control over your payment flow. You can track online and in-store transactions, manage settlements, generate reports, and handle refunds, all in one place. Monitor payments in real time, view upcoming settlements, and keep your payment data accurate and up to date.
Below, you’ll find an overview of the most useful Merchant panel features that simplify daily operations for e-commerce merchants. To explore the full range of tools and capabilities, visit our Help Center.
Transactions and refunds
- Use the Merchant panel to search and track all your payment transactions. You can filter by specific criteria or view all payments within a selected date range. Please note that order and tax rate details for terminal payments are not available in the Merchant panel.
- View every transaction where the customer is redirected from your online store to Paytrail’s service. The payment status field shows, for example, whether a payment has already been settled to your account.
- Process online payment refunds directly in the Merchant panel to ensure the refund is returned to the customer’s original payment method, which helps prevent misuse. Payment terminal refunds can be made either in the Merchant panel or directly from the terminal.
- Refunded amounts are deducted from your Merchant account’s unsettled balance. Note: Make sure there are enough funds available. If needed, you can transfer funds to your Merchant account.
Settlements and accounting
- Online and payment terminal transactions are paid out within the same settlement cycle and included in the same payout.
- Access your settlement reports by email or download them from the Settlement reports section. Each report includes a detailed summary of payouts, deducted transaction fees, and commissions. You can also choose to send reports to multiple email addresses.
- To update the details shown on a payment terminal receipt, please contact our customer service. For online stores, update the receipt or order confirmation information directly through your e-commerce platform.
- Check your settlement cycle and payment delay in the Settings section. Depending on your service package, you can choose to receive payouts weekly or monthly.
- Automate your accounting with an API integration for faster and more efficient bookkeeping.
Explore these related features
- User roles: We recommend adding multiple users to the Merchant panel. User roles help you control what information each user can access. For example, your accountant can be given access only to payments and settlements.
- Payment link: The payment link is a flexible tool for many situations and easy to create. It’s especially handy when a customer places an order by phone or when you want to offer an additional purchase.
Keep your information up to date in the Merchant panel
It’s quick and secure to update your business details directly in the Merchant panel. Make sure your invoicing information, contact details, and contact person’s information are always up to date to ensure smooth cooperation and uninterrupted service.
Additional services and features
Paytrail Financing
- A simple and fast financing option
- Flexible payments – Pay back as your customers pay you
- Quick decision – Receive funding usually within 24 hours
- One fixed price – No interest or hidden fees
Ideal for merchants who have been Paytrail customers for at least four months and are looking for financing to accelerate growth. Paytrail Financing is provided in partnership with our partner, Liberis.
Stay informed about e-commerce trends
Building the future of digital commerce in Finland
Paytrail is a proud founding member of the Digital Commerce Finland community, which aims to create the world’s most competitive digital commerce ecosystem right here in Finland.
We warmly invite everyone to join the community!
Excellent customer service
Learn more about our payment service
Our Help Center offers comprehensive guides and answers to the most common questions. You’ll also find help with troubleshooting and tips for getting the most out of Paytrail.
Expert help when you need it
Paytrail’s dedicated customer service team is here to help with all your payment and online business questions. Available through multiple channels, our experts are by your side every step of the way, ensuring you get the most out of our service!
Wishing you success with your online business!
Warm regards, Paytrail team ❤️