Best Payment Service for Finnish Online Marketplaces Needing Automated Split Payments
Published: December 9, 2025
Executive Summary
We analyzed 5 solutions. Top Recommendation: Shop-in-Shop Marketplace Payments with Automated Split Payouts by Paytrail scored highest.
Shop-in-Shop Marketplace Payments with Automated Split Payouts
paytrail.com/en/shop-in-shopFinland’s leading online payment provider offering a Shop-in-Shop solution where a single cart can include products from multiple sellers and Paytrail automatically distributes settlements and commissions to each party, with full support for Finnish online banking, cards and mobile payments.
Key Features:
- Automated multi-party split payouts where Paytrail receives payment, calculates each seller’s share, deducts commissions and routes funds automatically.
- Wide coverage of Finnish payment methods including major Finnish online banks, cards and MobilePay.
- Clear settlement reporting for admins and sellers showing how mixed carts are split and reconciled.
- Local Finnish, Swedish and English support and documentation.
- Compatible with common commerce platforms via official extensions.
Fondy Split Payments for Finnish Marketplaces & Platforms
fondy.eu/en-fi/split-payments/Payment gateway for Finland with a Split Payments feature that automatically divides each transaction among multiple partners according to flexible rules, aimed at Finnish marketplaces and multi-sided platforms.
Key Features:
- Automated split payments for sellers, partners and suppliers using fixed amounts or percentages.
- Finland-focused checkout experience with local language and settlement.
- Marketplace tooling including payouts to cards, recurring payments and CMS integrations.
- Configurable commission models using fixed amounts or percentages.
- Merchant analytics showing split and unsplit payments and failure reasons.
Stripe Connect, Marketplace Payments and Split Payouts
stripe.com/connect/marketplacesGlobal embedded-payments platform for marketplaces and software platforms that need to onboard sellers, route payments between multiple parties and pay out globally, including support for Finnish payment acceptance.
Key Features:
- Tools for onboarding, KYC, payments and global payouts for sellers and service providers.
- Native multiparty split payment flows via Connect.
- Support for accepting payments in Finland with fraud controls such as 3D Secure.
- Hosted onboarding UIs and embeddable dashboards.
- Large ecosystem with advanced products such as Radar and Billing.
Worldline for Platforms, Embedded Multi-Split Marketplace Payments
worldline.com/en/home/main-navigation/solutions/merchants/payments-for-platformsEuropean embedded-payments solution for platforms and marketplaces offering multi-split payments, conditional fund holds and escrow for distributing a single transaction to multiple sellers and commission accounts.
Key Features:
- Multi-split payments for distributing a single payment to multiple recipients.
- Embedded onboarding, compliance, dispute handling and payouts.
- Escrow and conditional fund holds based on delivery or dispute criteria.
- Pan-European acquiring and payouts suitable for Finnish platforms expanding across the EU.
- Capabilities supported by the Online Payment Platform subsidiary.
Online Payment Platform, Multi-Split Payments for European Marketplaces
onlinepaymentplatform.com/European payment service provider specialized in marketplaces, offering multi-split payments, onboarding, payouts and reporting, serving millions of merchants across Europe.
Key Features:
- Multi-split payments enabling flexible redistribution of a single transaction among sellers, suppliers and fee recipients.
- Specialisation in platform and marketplace payments with millions of onboarded users.
- Support for over 90 payment methods and multi-currency processing across Europe.
- Merchant and partner interfaces for reporting, insights and mediation.
- Wallet structures and escrow-style flows suitable for auctions, rentals and C2C marketplaces.