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On the basic metrics alone, the score was 75.7 and the rank 4. The score is now 82.3 and rank 2 (▲ 2 places). The difference comes from buying motives: they measure what the buyer asks before deciding.
Paytrail on Suomen käytetyin maksunvälityspalvelu ja avaa pakettihinnat sekä transaktiopalkkiot suoraan hinnastosivulla: S-paketti 14,90 €/kk plus 0,50 €/kpl + 3,25 % ja M-paketti 59 €/kk plus 0,50 €/kpl + 2 %. Yhdellä sopimuksella saa laajan maksutapavalikoiman ja valmiit alustaintegraatiot. Heikoin kohta on tilitysviiveen ja irtisanomisehtojen niukempi kuvaus julkisella sivulla.
Buying motives checked 16.10.2026 and basic metrics measured 20.8.2026 from public sources. The same formula for everyone, read the full methodology.
| Monthly fee | 22 p × 74,7 % | 16.4 |
| Price shown before contract | 14 p × 100.0 % | 14.0 |
| Finnish online bank payments | 14 p × 100.0 % | 14.0 |
| Basic metrics | 50 % × 75,7 | 37.9 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Monthly fee NOTEA package intended for new online merchants. Transaction fees from 0.50 €/pc + 3.25%. | From €14.90/month | paytrail.com checked 16.10.2026 | 16.4 / 22 |
| Price shown before contract | Price list shown on the page | paytrail.com checked 16.10.2026 | 14.0 / 14 |
| Finnish online bank payments | Bank charges are included in the service | paytrail.com checked 16.10.2026 | 14.0 / 14 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 71,0 | 21.3 |
| Transparency | 30 % × 87,5 | 26.2 |
| Reachability | 20 % × 52,5 | 10.5 |
| AI quality score | 20 % × 88,0 | 17.6 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 36/100 | Technical measurement | 14.4 / 40 |
| Accessibility | 100/100 | Technical measurement | 30.0 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 77/100 | Technical measurement | 11.6 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Transaction fee (% share and fixed per-transaction) displayed without sales contact OBSERVATIONHinnasto: S-paketti 'Kuukausimaksu 14,90 €/kk' ja transaktiomaksu '0,50 €/kpl + 3,25 %'; M-paketti '59 €/kk', pankki- ja korttimaksut '0,50 €/kpl + 2 %', American Express '0,50 €/kpl + 3 %', Klarna '0,50 €/kpl + 3,5 %'. | Yes | Website + AI extraction | 25.0 / 25 |
| Monthly or opening fee displayed OBSERVATIONHinnasto: 'S-paketti 14,90 €/kk' ja 'M-paketti 59 €/kk'; Shop-in-shop ja Enterprise 'Kysy lisää'. Kuukausimaksu on julkisesti esillä. | Yes | Website + AI extraction | 15.0 / 15 |
| Supported payment methods (card, online banking, MobilePay, invoice) listed OBSERVATIONMaksupalvelu-sivu: 'Yksi sopimus, kaikki maksutavat', verkkopankit (Nordea, Osuuspankki, Danske Bank), kortit (Visa, Mastercard, Amex), MobilePay, Siirto, Apple Pay, Google Pay sekä lasku ja erämaksu (OP, Walley, Klarna). | Yes | Website + AI extraction | 15.0 / 15 |
| Settlement delay (when the money reaches the merchant's account) stated OBSERVATIONhinnastossa mainitaan valittava tilitysmalli ('haluamasi tilitysmalli') ja S-paketin osalta viikoittainen tilitys, mutta tarkkaa tilitysviivettä ei eritellä kaikille paketeille. | Partly | Website + AI extraction | 7.5 / 15 |
| Contract binding period and termination stated OBSERVATIONHinnasto: 'Hinnastopakettia voi vaihtaa kerran 12 kuukauden aikana.' Sopimuksen sitovuutta, avausmaksua tai irtisanomisaikaa ei avata hinnastosivulla. | Partly | Website + AI extraction | 5.0 / 10 |
| Integrations with online store platforms stated OBSERVATIONMaksupalvelu-sivu: 'Valmiit integraatiot lukemattomiin verkkokauppa-alustoihin' ja erillinen tukisivu integraatioille. | Yes | Website + AI extraction | 10.0 / 10 |
| Operating company or business ID (Y-tunnus) shown OBSERVATIONOperoiva yhtiö Paytrail Oyj (Y-tunnus 2122839-7) on osa Nexi Groupia; yhtiö kerrotaan sivustolla. | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown | Partly | Website + AI extraction | 7.5 / 15 |
| Chat support | No | Website + AI extraction | 0.0 / 15 |
| Opening hours shown | No | Website + AI extraction | 0.0 / 15 |
| FAQ section | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app | No | Website + AI extraction | 0.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 88/100 | AI analysis | 29.9 / 34 |
| Findability of pricing | 90/100 | AI analysis | 29.7 / 33 |
| Content coverage | 86/100 | AI analysis | 28.4 / 33 |
Oletko Paytrail-palvelun asiakas? Kerro kokemuksesi. Does not affect the Suomen Paras Score, the score is based on measurable data only.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +11.2 points: 82.3 → 93.5, rank 2 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The partner badge is a free mark of cooperation with the Suomen Paras comparison. It does not claim a ranking; any partner of ours can add it: companies included in the comparison, our customers and our cooperation partners, and it works as a link to this public profile.
