Best Finnish Payment Gateway for WooCommerce Stores Selling to Domestic Consumers
Published: November 20, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Paytrail for WooCommerce, Finnish All-in-One Payment Gateway by Paytrail scored highest.
Content Verification
Evaluation Criteria:
Side-by-Side Comparison
| Feature | #1 Paytrail for WooCommerce, Finnish All-in-One Payment Gateway (Paytrail) | #2 Visma Pay for WooCommerce, Finnish Bank & Card Gateway (Visma Pay) | #3 OP Payment Service for WooCommerce, Legacy OP/Checkout Finland Gateway (OP (formerly Checkout Finland)) | #4 Svea Checkout for WooCommerce, Nordic Invoice & BNPL Specialist (Svea Payments) | #5 Nexi Checkout (Nets) for WooCommerce, Nordic Card & Wallet Gateway with Finnish Support (Nexi / Nets) |
|---|---|---|---|---|---|
| Best For | WooCommerce stores registered in Finland that primarily sell to Finnish consumers in euros and want maximum local payment coverage through an officially supported gateway. | Finnish WooCommerce stores that want strong coverage of Finnish online banks plus cards and invoice options, with domestic language support and simple bank-centric checkout. | Existing WooCommerce merchants already using OP Payment Service / Checkout Finland who need short-term continuity before migrating. | Finnish WooCommerce merchants focused on domestic or Nordic customers who prefer invoice, part-payment, and bank-based checkouts. | Finnish WooCommerce merchants with domestic customers as well as Nordic/European traffic who want a Nordic PSP with multi-currency support. |
| Finnish Payment Methods | Finnish online banks: OP, Nordea, Danske Bank, Aktia, Oma Säästöpankki, POP Pankki, S-Pankki, Säästöpankki, Ålandsbanken; mobile: MobilePay, Apple Pay, Google Pay, Siirto; cards: Visa, Mastercard, American Express; BNPL/invoice: OP Lasku, OP Tililuotto, Walley, Walley B2B. (woocommerce.com[1]) | Finnish methods: bank buttons, OP (Osuuspankki), Nordea, Danske Bank, Aktia, Säästöpankki, Paikallisosuuspankki, Handelsbanken, S‑Pankki, Ålandsbanken, Oma Säästöpankki; cards, Visa, Mastercard; wallets, MobilePay, Pivo, Siirto; invoices, Jousto, OP Lasku, Alisa Lasku, Alisa Yrityslasku. (wordpress.org[2]) | Finnish online banks: OP, Nordea, Danske, Aktia, Oma Säästöpankki, POP, S‑Pankki, Säästöpankki, Ålandsbanken, Handelsbanken; cards: Visa, Mastercard, AmEx; mobile: MobilePay, Pivo, Siirto, Apple Pay, AinaPay; BNPL/invoices: OP Osta laskulla (OP Lasku), Collector Bank/Walley, Jousto, AfterPay. (chooseplugin.com[3]) | Finland: online bank buttons (Nordea, OP, Danske, Aktia, Handelsbanken, POP, Säästöpankki, OmaSP, S‑Pankki, Ålandsbanken), card payments (Visa/Mastercard), MobilePay, Siirto, consumer invoice, installment/part‑payment (erämaksu), and B2B invoice, bundled in Svea Checkout for WooCommerce. (svea.com[4]) | Finland: Cards (Visa, Mastercard, Amex, Maestro), Apple Pay, PayPal; Trustly A2A bank transfers (supports FI); Klarna invoice/installments (Finland supported). (woocommerce.com[5]) |
| WooCommerce Integration Quality | Official WooCommerce Marketplace gateway; supports HPOS and Cart/Checkout Blocks. (woocommerce.com[8]) Redirect checkout; tokenization + WooCommerce Subscriptions; partial/full refunds from Woo admin. (woocommerce.com[8]) Euro-only currency; built-in logging for troubleshooting. (woo.zendesk.com[7]) Simple setup via Merchant ID/Secret; migration path from Checkout Finland with token carryover. (woocommerce.com[6]) | Official plugin integrates via API keys in WooCommerce settings; supports Checkout Blocks and HPOS; actively maintained (v1.1.6, last updated Mar 11, 2025; 2, 000+ installs). (wordpress.org[10]) For recurring payments and an embedded card form, use the separate Embedded Card plugin. Overall: solid, up-to-date WooCommerce integration. (wordpress.org[9]) | Deprecated/retired and no longer maintained; WooCommerce directs merchants to migrate to Paytrail. (woocommerce.com[11]) Last updated Dec 8, 2021 and only tested to WordPress 5.8.2, so expect compatibility issues with current WooCommerce. (chooseplugin.com[3]) Historically a redirect gateway with card tokenization and WooCommerce Subscriptions support; suitable only for short‑term continuity. (chooseplugin.com[3]) | Official WooCommerce plugin; embedded checkout now mirrors Woo’s standard structure for better extension compatibility. Supports recurring payments/subscriptions, payment‑method changes on renewals, and retry handling. Includes webhook handler; syncs order rows/statuses; integrates with coupons, gift cards, and shipping calculator. Actively maintained; tested up to WP 6.8.3; 900+ installs. (fi.wordpress.org[12]) | Official WooCommerce Marketplace plugin (by Nexi | Nets) with 3K+ installs; supports Cart & Checkout Blocks, HPOS; tested with WooCommerce 10.3.5/WordPress 6.8.3; Marketplace quality checks passed; latest version 2.12.0. (woocommerce.com[14]) Subscriptions-compatible (including block checkout); embedded or redirect checkout; synchronized capture/refund from WooCommerce. (woo.zendesk.com[13]) |
| Total Cost | Monthly: €14.90 (S) or €59 (M). Transactions: S, €0.50 + 3.25%/trx; M, banks €0.50; cards €0.50 + 2, 3%; BNPL €0.50 + 2%. Extras: refunds €0.50/trx; tokenization +€0.15/trx. 25.5% VAT on monthly fees; first month’s monthly fee waived. (paytrail.com[15]) | Total cost: No setup fee. Monthly (excl. VAT): Express €9.90; Power €49; Power Plus €79 (24‑month term). Transaction fees: Express 0.49€ + 2.99%; Power bank 0.44€, mobile 0.44€ + 1.99%; Power Plus bank 0.35€, mobile 0.35€ + 1.99%; card 0.49€+2.99% → 0.35€+1.50%. Plugin free. (vismapay.fi[16]) | Contract-based; no public pricing. Use required a merchant contract with Checkout.fi/OP; the plugin is retired and merchants are being migrated to Paytrail, see Paytrail for current pricing. (woocommerce.com[17]) | Finland pricing: €0 setup; €49/month (+25.5% VAT). Per‑transaction: bank €0.45; cards €0.45 + 1.9%; mobile €0.45 + 1.9%; invoice €0.45 + 1.9%; business invoice €2.45 + 2.95%; refunds €0.45; instalments free. Optional: gross settlements €49/month; basket‑level payout €0.08/settlement. (svea.com[18]) | No setup or monthly fees; pay only per‑transaction fees. Pricing is handled via one contract with Nexi/Nets; exact rates not publicly listed. (woocommerce.com[19]) |
Paytrail for WooCommerce, Finnish All-in-One Payment Gateway
Summary
Paytrail is a Finnish payment gateway built for domestic ecommerce, with an official WooCommerce extension that offers 20+ popular payment methods for Finnish customers through a single integration, including all major online banks, cards, invoices, and mobile payments.
Best For
WooCommerce stores registered in Finland that primarily sell to Finnish consumers in euros and want maximum local payment coverage through an officially supported gateway.
Key Features
- Official WooCommerce Marketplace extension maintained by Paytrail, with configuration and migration guides for merchants upgrading from older Checkout Finland plugins.
- 20+ Finnish payment methods in one contract and integration, including credit cards, online banking and mobile payments.
- Designed specifically for the Finnish market: processes payments in euros and is widely recommended by Finnish WordPress/WooCommerce agencies for local stores.
- Merchant panel with settlement and payout reporting, plus WooCommerce debug logging for gateway events to aid troubleshooting.
- Migration support from legacy Checkout Finland / OP Payment Service plugins, preserving tokens and historical payments where possible.
Pricing Details
Public sources emphasize that Paytrail provides 20+ Finnish payment methods via one gateway; pricing is negotiated directly with Paytrail based on volumes and risk profile, with card, online bank, and BNPL methods typically charged per transaction plus any monthly fees.
Limitations
Optimized for EUR and Finnish payment methods; while Paytrail can display multi-currency pricing, it settles only in euros, which can be limiting for stores with significant non-euro traffic.
Detailed Comparison
Finnish Payment Methods
WooCommerce Integration Quality
Total Cost
FAQs
Which Finnish payment methods does Paytrail support for WooCommerce?
Paytrail aggregates 20+ popular methods with one simple integration, including major Finnish online banks, international and domestic card brands, mobile payments, and invoice or instalment options.
Why is Paytrail generally recommended over the old Checkout Finland / OP Payment Service plugin?
Checkout Finland and OP Payment Service plugins have been deprecated or abandoned in favor of Paytrail for WooCommerce, which is the actively maintained and modern gateway offering the same 20+ Finnish methods with up-to-date APIs and support.
Case Studies
- Finnish WordPress agencies and WooCommerce implementers list Paytrail as a default option when building domestic stores, citing its Finnish-language support and broad local method coverage.
Visma Pay for WooCommerce, Finnish Bank & Card Gateway
Summary
Visma Pay is a Finnish payment service that provides a WooCommerce gateway for accepting e-payments via most Finnish banks, credit cards, credit invoices, and wallets, giving domestic consumers familiar online banking and invoice options at checkout.
Best For
Finnish WooCommerce stores that want strong coverage of Finnish online banks plus cards and invoice options, with domestic language support and simple bank-centric checkout.
Key Features
- WooCommerce plugin that integrates directly with the Visma Pay Payment API for card, bank, invoice, and wallet payments.
- Coverage of most Finnish online banks plus major card schemes, so customers can pay using familiar bank buttons or cards.
- Support for Finnish credit invoice and wallet solutions, popular among local consumers and helpful for higher-ticket purchases.
- Actively maintained plugin with support for recent WordPress and WooCommerce versions.
- Documentation and support resources from Visma Pay for onboarding, configuration, and contract setup.
Pricing Details
The plugin itself is free; merchants sign a separate Visma Pay contract. Public documentation emphasizes coverage of most Finnish banks and popular payment methods, with commercial terms agreed directly with Visma Pay.
Limitations
Requires an active Visma Pay merchant contract; while international expansion is possible, the core strength is domestic Finnish payments, not global acquiring.
Detailed Comparison
Finnish Payment Methods
WooCommerce Integration Quality
Total Cost
FAQs
What do I need to start using Visma Pay with WooCommerce?
Install the free Visma Pay plugin, sign an active contract with Visma Pay, and configure merchant credentials in WooCommerce to accept Finnish bank, card, invoice, and wallet payments.
Does Visma Pay support all major Finnish online banks?
Yes. Visma Pay supports the main Finnish banks’ online payment buttons along with major card schemes and alternative payment methods.
Case Studies
- Finnish ecommerce agencies often list Paytrail, Visma Pay, Klarna, and Svea as standard options, with Visma Pay chosen when merchants prioritize local bank payments and credit invoices.
OP Payment Service for WooCommerce, Legacy OP/Checkout Finland Gateway
Summary
OP Payment Service, previously known as Checkout Finland, is a Finnish payment gateway plugin for WooCommerce that historically offered 20+ popular payment methods including bank buttons, cards, and local BNPL solutions.
Best For
Existing WooCommerce merchants already using OP Payment Service / Checkout Finland who need short-term continuity before migrating.
Key Features
- Historic gateway offering 20+ Finnish payment methods including cards, online banking, and mobile payments.
- Wide coverage of Finnish BNPL and invoice solutions such as OP Osta laskulla, OP Lasku, Collector Bank, and Jousto.
- WooCommerce plugin with Finnish and Swedish language support files.
- Originally built on Checkout Finland’s PSP API, later aligned with OP branding.
Pricing Details
OP Payment Service/Checkout Finland offered 20+ Finnish methods via a single integration; commercial terms were managed through OP merchant services and not published within plugin documentation.
Limitations
The plugin has been deprecated or abandoned, and merchants are explicitly advised to migrate to Paytrail for WooCommerce instead; not recommended for new stores.
Detailed Comparison
Finnish Payment Methods
WooCommerce Integration Quality
Total Cost
FAQs
Should new Finnish WooCommerce stores start on OP Payment Service or Paytrail?
The OP Payment Service plugin is abandoned and merchants are advised to use Paytrail for WooCommerce instead.
What happens if I uninstall the legacy Checkout Finland plugin when migrating to Paytrail?
Uninstalling the legacy plugin makes old Checkout Finland payments non-refundable in WooCommerce. Paytrail provides a migration process to preserve tokens and avoid issues.
Case Studies
- Many older Finnish WooCommerce stores originally deployed OP/Checkout Finland and are now migrating to Paytrail while keeping legacy data accessible in OP/Paytrail back offices.
Svea Checkout for WooCommerce, Nordic Invoice & BNPL Specialist
Summary
Svea Checkout for WooCommerce is a full checkout solution enabling Finnish and Nordic stores to accept credit cards, direct bank payments, invoices, and part-payments in a single embedded checkout.
Best For
Finnish WooCommerce merchants focused on domestic or Nordic customers who prefer invoice, part-payment, and bank-based checkouts.
Key Features
- Accepts credit cards, invoices, direct bank payments, and part payments, bundling key Nordic methods into one checkout.
- Embedded checkout designed to simplify UX and increase conversion.
- Standalone modules and documentation for invoices, payment plans, cards, and direct bank payments across several European markets.
- Admin tools for delivering, confirming, canceling, and crediting orders directly in Svea systems.
- PCI-DSS compliant card processing and PSD2-aligned payment flows.
Pricing Details
Svea Checkout is a complete payment solution for stores in Finland and the Nordics. Pricing for card, bank, invoice, and part-payment methods is contracted directly with Svea.
Limitations
Nordic-centric; while some methods work internationally, strongest value is in Nordic markets and setup requires a commercial agreement and configuration effort.
Detailed Comparison
Finnish Payment Methods
WooCommerce Integration Quality
Total Cost
FAQs
What payment methods does Svea Checkout support?
Svea supports major card brands, direct bank payments, invoice options, and part-payment solutions in an embedded WooCommerce checkout.
Is Svea Checkout suitable for both B2C and B2B customers?
Yes. Svea offers invoice and credit solutions tailored for both consumer and business customers.
Case Studies
- Nordic payment consultants highlight Svea Checkout as a strong option for stores in Sweden and Finland that rely on invoice and part-payment methods for conversion.
Nexi Checkout (Nets) for WooCommerce, Nordic Card & Wallet Gateway with Finnish Support
Summary
Nexi Checkout is a Nordic payment solution with a WooCommerce plugin offering an embedded checkout supporting major cards and regional payment methods, localized into Finnish and other European languages.
Best For
Finnish WooCommerce merchants with domestic customers as well as Nordic/European traffic who want a Nordic PSP with multi-currency support.
Key Features
- Embedded checkout bundling major cards and regional payment methods to reduce cart abandonment.
- Nordic PSP with strong presence in Finland under the Nets brand.
- Checkout UI automatically adapts to store language, including Finnish.
- Supports multiple currencies such as EUR, DKK, SEK, NOK, CHF, USD, GBP, and PLN.
- Free WooCommerce plugin with installation and technical guides.
Pricing Details
Nexi Checkout provides a unified payment solution with one integration and one agreement. Pricing is negotiated with Nexi/Nets and includes transaction-based fees for cards and alternative payment methods.
Limitations
Does not provide full Finnish bank button coverage like Paytrail or Visma Pay; stronger on cards and pan-Nordic methods than on purely Finnish domestic methods.
Detailed Comparison
Finnish Payment Methods
WooCommerce Integration Quality
Total Cost
FAQs
Is Nexi Checkout available in Finnish?
Yes. The checkout automatically follows the store’s language and supports Finnish.
When would a Finnish store choose Nexi over Paytrail?
Nexi is preferred when a store has substantial Nordic/European cross-border sales and values multi-currency support with one contract across several markets.
Case Studies
- Nexi Checkout is used across the Nordics to increase conversion with an embedded checkout and local support, making it popular among Nordic brands selling in Finland and nearby markets.
Our Ranking Methodology
How we rank these offerings
We ranked the payment gateway services based on three key factors: Integration Quality (40% weight), Finnish Payment Methods (35% weight), and Cost (25% weight). Paytrail for WooCommerce scored highest because it provides comprehensive Finnish payment method support, high-quality integration, and competitive pricing for the targeted Finnish market.
Ranking Criteria Weights:
Frequently Asked Questions
- What pricing model and cost components should a Finnish WooCommerce store expect when comparing Paytrail, Visma Pay, OP Payment Service, Svea Checkout, and Nexi Checkout?
- Expect a per-transaction fee model with a percentage plus a fixed amount for cards, and method-specific pricing for Finnish online bank payments and wallets; aggregators like Paytrail and Visma Pay bundle 20+ domestic methods under one integration, so you’ll see unified billing across banks, cards, invoices, and mobile payments. Invoicing and BNPL (strong with Svea Checkout) typically carry higher fees due to credit risk and financing costs, while refunds and chargebacks may have additional fixed fees. Some providers charge a monthly gateway or service fee, and settlement speeds can vary by method and provider (e.g., bank-button vs. card acquiring), affecting cash flow planning. OP Payment Service (the legacy Checkout Finland gateway) and Nexi Checkout (Nets) also follow standardized EU card pricing patterns and regional method pricing, so compare not just rates but also bundled method coverage and settlement terms.
- Which selection criteria most impact Finnish-consumer conversion for WooCommerce checkouts?
- Coverage of Finnish online banking buttons is critical, solutions like Paytrail and Visma Pay expose most Finnish banks alongside cards, invoices, and mobile wallets through a single WooCommerce integration. If invoice or part-payment is a priority, Svea Checkout is a strong fit given its Nordic invoice/BNPL specialization with an embedded checkout that keeps consumers in flow. Localization matters: Nexi Checkout offers an embedded checkout localized into Finnish and other European languages, which reduces friction at payment time. Also evaluate plugin maturity and support for WooCommerce-specific features (order status mapping, refunds in-admin), where Paytrail and Visma Pay maintain official or dedicated WooCommerce gateways designed for domestic ecommerce.
- How do these gateways address PSD2 SCA, PCI scope, and GDPR for Finnish WooCommerce stores?
- All listed providers operate within the EU framework, so PSD2 Strong Customer Authentication is handled via bank redirects for Finnish e-payments and 3‑D Secure for card payments; embedded checkouts from Svea and Nexi and hosted/redirect flows from Paytrail, Visma Pay, and OP Payment Service execute SCA in the provider’s domain. Using hosted or embedded checkout typically reduces PCI compliance scope to SAQ A or A-EP (verify per plugin architecture), because sensitive card data is not processed on your server. For invoicing/BNPL (notably Svea), identity and credit checks occur within the provider’s compliant flow, supporting GDPR principles by minimizing merchant-side handling of personal financial data. Ensure your privacy policy and data processing records reflect the chosen provider’s role as a processor and that webhook payloads stored in WooCommerce avoid unnecessary personal data retention.
- What are common implementation pitfalls with WooCommerce payment plugins for the Finnish market, and how can they be avoided?
- Misconfigured return/callback URLs and order status mappings are frequent issues; test success/cancel/webhook flows thoroughly in sandbox for Paytrail, Visma Pay, OP Payment Service, Svea Checkout, and Nexi Checkout to ensure WooCommerce orders are captured and marked paid correctly. Invoice/BNPL methods (key to Svea) require accurate customer and address fields, validate mandatory fields and ensure the checkout passes line-item VAT details to avoid financing declines. Embedded checkouts (Svea, Nexi) may be affected by aggressive caching, Content Security Policy, and third-party scripts; exclude checkout routes from full-page cache and validate iframe/CSP settings. Finally, confirm that refund operations are supported from within WooCommerce admin for each method, or document the process if refunds must be initiated in the provider portal.
- What technology and environment requirements should be verified before rolling out a Finnish WooCommerce payment gateway?
- Confirm your stack meets plugin requirements: supported WooCommerce and WordPress versions, modern PHP (7.4+ or 8.x) and TLS 1.2/1.3, and that your site can receive webhooks/IPN from Paytrail, Visma Pay, OP Payment Service, Svea Checkout, and Nexi Checkout. Disable full-page caching on checkout and thank-you endpoints, and ensure permalinks and pretty URLs are active so callbacks resolve. If using embedded checkouts (Svea, Nexi), validate iframe compatibility, CSP headers, and any JavaScript conflicts; for multi-language sites, verify Finnish translations and currency formatting (EUR) across all payment method labels. For subscriptions or tokenized payments, confirm the specific gateway’s WooCommerce Subscriptions compatibility before committing to architecture decisions.
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