This is how MobilePay works

MobilePay is a quick and easy way to pay.


MobilePay is an easy, fast and popular mobile payment method. You can explore the application in more detail on MobilePay's website.

With MobilePay, you can pay for online purchases with just one swipe. MobilePay, Finland's most popular mobile payment application, is free for all bank customers.

How to pay using MobilePay

When a customer uses MobilePay for online shopping, the payment steps are as follows:

1. When purchasing from an online store, the customer enters the mobile phone number connected to the MobilePay application.
2. The customer accepts the payment in the MobilePay application.
3. The payment is charged to the card the customer linked to the MobilePay application.

The payment flow can be seen in the images below. The first two images on the left are browser images, and the last one is a phone screenshot taken during payment acceptance.

- MobilePay will ask for your phone number.
- MobilePay will send a notification that the payment needs to be confirmed in the MobilePay application.
- The payment is confirmed in the MobilePay application, and then the customer is returned directly to the online store.


MobilePay and Paytrail's payment service

MobilePay is included within our monthly fee. The transaction fee is the same as with card payments: 0,40 € + 2 % commission. 
Refunds are also handled the same way as card refunds (0,40 €/payment) with the same settlement delay (5 business days).

The share of mobile usage

Mobile devices have clearly been gaining ground for several years and has considerably reduced the share of desktops. The share of tablets is decreasing, while mobile phones are increasing in online shopping.

Below are figures taken from Paytrails payment page, statistics are from October-November 2021.