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An online merchant asks how much the service costs per month, whether the price is shown before the contract and whether the online banking payments used by Finns are included. These decide 50 points out of 100.
Score shows how the company does on our comparison criteria, on a 0–100 scale. Rankings cannot be bought.
Basic metrics · 81.7
+ Package prices and transaction fees are publicly displayed: Express 9.90 €/month and 0.49 €/item + 2.99%, Power 49 €/month and 0.44 €/item, Power Plus 79 €/month and 0.35 €/item
Basic metrics: 81.7, rank 2 · ▲ 1 place
Basic metrics · 75.7
+ Package prices and transaction fees are publicly on the pricing page without sales contact: S package 14.90 €/month and 0.50 €/item + 3.25%, M package 59 €/month and 0.50 €/item + 2%
Basic metrics: 75.7, rank 4 · ▲ 2 places
Basic metrics · 88.7
+ Card-specific transaction fees are publicly on the pricing page: EEA cards 1.5% + 0.25 €, premium cards 2.8% + 0.25 € and non-EEA cards 3.15% + 0.25%
Basic metrics: 88.7, rank 1 · ▼ 2 places
– Finnish online banking payments: Finnish online banking payments are not mentioned on Stripe's pricing page or the payment methods page (stripe.com/fi/pricing, stripe.com/fi/payments/payment-methods).
Basic metrics · 57.7
+ The pricing model is explained on the interchange++ principle: fixed processing fee of 0.13 $ plus a payment-method-specific fee, and example prices by payment method are on the page
Basic metrics: 57.7, rank 5 · ▲ 1 place
– Finnish online bank payments: Finnish online bank payments are not mentioned on Adyen's pricing page (adyen.com/pricing).
Basic metrics · 81.0
+ The full price list is public on the payment services page: monthly fee 0 €, opening fee 49 €, online banking payment fee 0.45 €/pc and card, mobile and invoice payment fees 0.45 €/pc + 1.9%
Basic metrics: 81.0, rank 3 · ▼ 2 places
– Monthly fee: The price is not shown on Svea's payment service page. The page has no price list, and no price list page for the merchant payment service was found in the sitemap.
Basic metrics · 41.8
+ The payment methods offered to the merchant are presented clearly: full amount immediately, payment in 30 days, payment in 3 or 4 instalments, and financing
Basic metrics: 41.8, rank 6 · no change
– Monthly fee: Klarna's business page (klarna.com/international/enterprise) does not publish merchant prices or say anything about online bank payments. The Finnish-language business page klarna.com/fi/yritys returned 404.
Weights are fixed. All companies are measured on the same scale. Read the full methodology.
| Buying motive | What is measured | Scale | Weight |
|---|---|---|---|
| Monthly fee QUESTIONHow much does the service cost per month, even if there are no sales? | Monthly fee of the cheapest published package. | 0 € = 100 points, 59 € or more = 0, in between directly proportional. | 22 p |
| Price shown before contract QUESTIONCan I see the prices before I contact the seller? | Whether the service's prices are published on its own page. | Yes = 100, no = 0. | 14 p |
| Finnish online bank payments QUESTIONDo I get the online banking payments used by Finns under the same agreement? | Whether the service states on its own page that it offers online banking payments. | Yes = 100, not stated = 0. | 14 p |
| Basic metrics | Digital quality, transparency, reachability and AI quality score | Basic metrics × 0.5 | 50 p |
A payment service provider is the gatekeeper of an online shop's cash flow: the transaction fee, monthly fee and settlement delay decide how much of each purchase is left for the merchant and when. We scored 6 online payment services on 20 metrics. The key question: can you see the fees and the total price directly on the page, or only after a sales contact?
An online payment service, or payment gateway, is the gatekeeper of an online shop's cash flow: it passes the customer's card, online bank, mobile and invoice payments to the merchant's account. On this page we compare six services operating in Finland by how clearly they state the transaction fee, monthly fee, supported payment methods, settlement delay and contract terms before the merchant has to contact sales.
Transaction fee (% share and fixed per-transaction fee) shown without sales contact (25), monthly or opening fee shown (15), supported payment methods (card, online banking, MobilePay, invoice) listed (15), settlement delay (when the money is in the merchant's account) stated (15), contract commitment and cancellation stated (10), integrations with online shop platforms stated (10), operating company or business ID (Y-tunnus) shown (10)
Transparency is 30% of the basic metrics, i.e. 15% of the total points · these metrics make up its 100 points · the full formula and the other pillars
How to read the comparison correctly: Half of the points come from buyer's questions, i.e. things the buyer finds out before deciding. The other half measures how openly the company publishes its prices, terms and contact details. Clear differences in points indicate a genuine difference: one tells you the price immediately, another only after logging in. Close scores should not be read as a ranking order, because every measurement has a margin of variation. The measurement accuracy and the full calculation formula are open in the methodology.
Customer experience is brought into the assessment separately. We also collect customer feedback and customer experiences about companies through separate surveys. The survey results will be added to the overall assessment later.
Two pricing worlds. Some providers publish the transaction fee directly (Stripe and Klarna state the percentages by card and payment method as well as a fixed per-transaction component), whereas domestic all-in-one solutions price by online shop size and volume, so the final fee only becomes clear through a quote or a sales contact. Merchants should add up the total cost, meaning the monthly fee, the set-up fee and the per-transaction component, rather than just comparing the percentage.
Settlement delay varies. Some pay out sales on the next banking day, others collect them into a weekly or fortnightly settlement. The delay directly affects the online shop's working capital, so it is a key point of comparison alongside price.
Checkout Finland has moved over to Paytrail. Paytrail acquired Checkout Finland, and the checkout.fi interface will be closed in summer 2026, after which payments will go through Paytrail. We therefore measure Paytrail as a single operator. Three domestic payment institutions show the business ID (Y-tunnus); three global operators state the operating company and its home country. We measure the transparency of public pages, not the quality of the service.
Every company is measured with the same public formula: half of the points come from buyer's questions and half from basic metrics, which have four pillars: technical quality, transparency, reachability and AI quality score. Ranking cannot be bought, and you can see the origin of each point on the company's profile. Read the full methodology →
Typically the fee consists of a transaction fee (a percentage plus a fixed per-transaction amount) and a possible monthly or setup fee. Some providers publish their prices directly, others only through a sales contact. In our comparison, Svea, Visma Pay, Paytrail, Stripe and Adyen state their pricing publicly, Klarna only via contact.
Settlement delay is the time from when a customer pays to when the money is in the merchant's account. It ranges from daily settlement to a delay of a few days or a week, and directly affects an online store's working capital.
No. Most payment service providers bundle card, online banking, mobile and invoice payments under a single contract, so the merchant gets a broad range of payment methods at once.
Domestic payment institutions (Paytrail, Svea Payments, Visma Payments) display the business ID (Y-tunnus). Global operators (Stripe, Klarna, Adyen) state the operating company and its home country, but there is no Finnish business ID (Y-tunnus).
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