A bank payment that works seamlessly on mobile

The updated Siirto brings bank payments into the mobile era. Customers pay securely directly in their own banking app—no card details and no separate app required.
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Illustration of a person entering payment details in an online store on a mobile device

The next generation of
bank payments

Siirto is not a new payment method—it’s an enhanced version of familiar bank payments. It’s a bank-based online payment solution that combines the security of a bank button with the convenience of mobile payments.

With the updated Siirto, payments are made directly in the customer’s bank’s mobile app. No separate app is required, and the entire payment process takes place within the customer’s familiar banking environment.

Availability for online payments is expanding in phases according to bank-specific schedules. OP customers and Nordea customers can already use Siirto in online payments.

The service is provided by the Finnish company Siirto Brand Oy, jointly owned by OP Pohjola and Nordea. Siirto is free for consumers.


 

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6 reasons to use Siirto

The new Siirto benefits both online stores and their customers. Here are the key reasons why:

Works directly in banking apps

The new Siirto works directly in OP and Nordea mobile apps. No separate app is required—customers pay in their familiar banking environment.

Automatically available in Paytrail

Siirto is automatically included in the payment methods for Paytrail merchants. No separate agreements or additional integration required.

 

Over one million users already

Siirto is already a familiar way to pay for more than one million people in Finland. With the update, it will become even more widely used among OP and Nordea customers.

 

Smooth payments drive higher conversion

A seamless payment experience reduces cart abandonment. Customers don’t need to switch between apps—everything happens in one place.

 

Key selling points: Finnish and secure

Consumers in Finland value secure, domestic payment methods. Siirto is a Finnish, bank-backed payment method with strong customer authentication.

Expanding coverage

Siirto will be introduced for online payments in phases according to bank-specific schedules: OP customers and Nordea customers can already use Siirto in online payments. Coverage will continue to expand as new banking partners decide to join.

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Customer payment experience

Paying with Siirto is simple and fast—just three steps to complete the purchase.

1

Select Siirto at checkout

At checkout, the customer selects the Siirto bank payment button from the available payment methods.

2

Authenticate in the banking app

The customer is redirected to their banking app to approve the payment.

3

Payment confirmed—order processing continues

Funds are transferred in real time between accounts. The merchant receives instant confirmation, and the order is processed.

Questions about Siirto

Siirto will be introduced in phases according to bank-specific schedules: OP customers and Nordea customers can already use Siirto in online payments. Coverage will expand gradually as new banking partners decide to join.

No, a separate agreement isn’t required. Siirto is automatically included for Paytrail merchants as part of the available payment methods.

Siirto payments are settled and reported in the Paytrail Merchant panel, just like other payment methods. Pricing follows Paytrail’s standard pricing.

No, Siirto is free for consumers. Merchant fees are determined according to Paytrail’s pricing.

Consumers receive support for Siirto through their own bank. Paytrail’s customer support assists merchants with any Siirto-related questions.

Starting in spring 2026, Siirto will also make it easier to receive e-invoices. The service automatically retrieves the customer’s e-invoice address and shares it with the invoice sender.