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Visma Pay

👑 Rank 1 · Online payment services · Checked 16.10.2026 · Suomen Paras 2026

Websitevismapay.fi
OwnerVisma Payments Oy (PRH 2486559-4, Oulu), part of the Nordic Visma group; Visma Pay payment service for online shops
Business ID2486559-4
Registered in Finland (PRH)2012
Transaction fee · measured 20.8.2026Express 0,49 €/kpl + 2,99 %; Power pankkimaksu 0,44 €/kpl (mobiili/Klarna 0,44 €/kpl + 1,99 %); Power Plus 0,35 €/kpl (mobiili/Klarna + 1,99 %)
Monthly or opening fee · measured 20.8.2026Express 9,90 €/kk, Power 49 €/kk, Power Plus 79 €/kk (+ alv); ei aloitusmaksuja
Settlement delayTilitysviive 3 päivää kaikille maksutapahtumille; Power ja Power Plus myös päivittäinen tilitys
Supported payment methodsVerkkopankkimaksut, korttimaksut, mobiilimaksut, lasku ja osamaksu
LCP (mobile)7.4 s
Basic metrics81.7, rank 2
87.2SCORE
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On the basic metrics alone, the score was 81.7 and the rank 2. The score is now 87.2 and rank 1 (▲ 1 place). The difference comes from buying motives: they measure what the buyer asks before deciding.

AI SUMMARY · AI ALGORITHM · 20.8.2026

Visma Pay julkaisee kolme pakettitasoa hintoineen: Express 9,90 €/kk ja 0,49 €/kpl + 2,99 %, Power 49 €/kk ja 0,44 €/kpl sekä Power Plus 79 €/kk ja 0,35 €/kpl, ilman aloitusmaksuja. Tilitysviive kerrotaan täsmällisesti (3 päivää, Power-tasoilla myös päivittäinen), ja maksutavat sekä alustaintegraatiot on lueteltu. Operoiva yhtiö on Visma Payments Oy. Sopimuksen sitovuus ja irtisanominen jäävät hinnoittelusivulla kertomatta.

Strengths

  • 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
  • Tilitysviive kerrotaan täsmällisesti: 'Tilitysviive on 3 päivää kaikille maksutapahtumille', ja Power-tasoilla on saatavilla päivittäinen tilitys
  • Aloitusmaksuja ei ole ja liittäminen verkkokauppa-alustoihin (mm. WooCommerce) kerrotaan helpoksi; asiakaspalvelun puhelin ja sähköposti ovat esillä

Areas to improve

  • Sopimuksen sitovuutta ja irtisanomisaikaa ei avata hinnoittelusivulla; sopimusehdot ovat erillisellä sivulla
  • Yli 2 miljoonan euron vuosivolyymin kauppiaille hinta on erikseen sovittava Enterprise-taso, jonka hintaa ei julkaista
  • Mobiili- ja Klarna-maksuihin lisätään Power- ja Power Plus -tasoilla 1,99 % perushinnan päälle

How the score is calculated

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.

Total score · weighted total

87.2 / 100
Monthly fee22 p × 83,2 %18.3
Price shown before contract14 p × 100.0 %14.0
Finnish online bank payments14 p × 100.0 %14.0
Basic metrics50 % × 81,740.9

Buying motives · weight 50 p

46,3 / 50
MetricMeasured valueSourcePoints
Monthly fee
NOTEPrice excluding VAT. Transaction fees from 0.49 € + 2.99%.
From 9.90 €/monthvismapay.fi
checked 16.10.2026
18.3 / 22
Price shown before contractPrice list shown on the pagevismapay.fi
checked 16.10.2026
14.0 / 14
Finnish online bank paymentsBank buttons are among the payment methodsvismapay.fi
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.

Basic metrics · weighted sum, 50% of total points

81.7 / 100
Digital quality30 % × 70,121.0
Transparency30 % × 95,028.5
Reachability20 % × 75,015.0
AI quality score20 % × 86,017.2

Digital quality · weight 30%

70.1 / 100
MetricMeasured valueSourcePoints
Performance (mobile)40/100Technical measurement16.0 / 40
Accessibility96/100Technical measurement28.8 / 30
Findability (SEO)92/100Technical measurement13.8 / 15
Technical practices77/100Technical measurement11.6 / 15

Transparency · weight 30%

95.0 / 100
MetricMeasured valueSourcePoints
Transaction fee (% share and fixed per-transaction) displayed without sales contact
OBSERVATIONMaksupalvelusivu: 'Express-paketti 9,90 €/kk, transaktiomaksut alk. 0,49 € + 2,99 %', 'Power-paketti 49 €/kk, pankkimaksut 0,44 €, mobiili ja Klarna 0,44 € + 1,99 %', 'Power Plus 79 €/kk, pankkimaksut 0,35 €'.
YesWebsite + AI extraction25.0 / 25
Monthly or opening fee displayed
OBSERVATIONMaksupalvelusivu: kuukausimaksut Express '9,90 €/kk', Power '49 €/kk', Power Plus '79 €/kk' (+ alv); 'Aloitusmaksuja ei ole.'
YesWebsite + AI extraction15.0 / 15
Supported payment methods (card, online banking, MobilePay, invoice) listed
OBSERVATIONMaksupalvelusivu: 'Verkkopankkimaksut, Korttimaksut, Mobiilimaksut, Lasku ja osamaksu'.
YesWebsite + AI extraction15.0 / 15
Settlement delay (when the money reaches the merchant's account) stated
OBSERVATIONMaksupalvelusivu: 'Tilitysviive on 3 päivää kaikille maksutapahtumille'; Power ja Power Plus 'päivittäinen, viikoittainen tai kuukausittainen tilitys'.
YesWebsite + AI extraction15.0 / 15
Contract binding period and termination stated
OBSERVATIONhinnoittelusivulla ei kerrota sopimuksen sitovuutta eikä irtisanomisaikaa; sopimusehdot ovat erillisellä sivulla (vismapay.fi/sopimusehdot).
PartlyWebsite + AI extraction5.0 / 10
Integrations with online store platforms stated
OBSERVATIONMaksupalvelusivu: 'Helppo liittäminen verkkokauppa-alustoihin' ja valmiit liitännäiset (mm. WooCommerce).
YesWebsite + AI extraction10.0 / 10
Operating company or business ID (Y-tunnus) shown
OBSERVATIONOperoiva yhtiö Visma Payments Oy (Y-tunnus 2486559-4, Oulu) kerrotaan sivuston alatunnisteessa; asiakaspalvelun puhelin 09 3154 2037 ja sähköposti helpdesk@vismapay.com.
YesWebsite + AI extraction10.0 / 10

Reachability · weight 20%

75.0 / 100
MetricMeasured valueSourcePoints
Phone number shownYesWebsite + AI extraction30.0 / 30
Email shownYesWebsite + AI extraction15.0 / 15
Chat supportNoWebsite + AI extraction0.0 / 15
Opening hours shownYesWebsite + AI extraction15.0 / 15
FAQ sectionYesWebsite + AI extraction15.0 / 15
Mobile appNoWebsite + AI extraction0.0 / 10

AI quality score · weight 20%

86.0 / 100
MetricMeasured valueSourcePoints
Clarity of information86/100AI analysis29.2 / 34
Findability of pricing88/100AI analysis29.0 / 33
Content coverage84/100AI analysis27.7 / 33

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Is this your company?

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 +8.1 points: 87.2 → 95.3, and your lead over number two grows 4.9 → 13.0.

See the free pre-analysis The analysis does not change the score. Only improving the metrics does.

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