Secure and popular in Finland, online banking (verkkopankki) is the most commonly used method by Finnish consumers. We support all the online domestic banks: Nordea, Osuuspankki, Danske Bank, Säästöpankki, Oma Säästöpankki, POP Pankki, Aktia, Ålandsbanken, and S-Pankki.


Markets (consumer)	`FI`
Processing currencies	`EUR`
Consumer currencies	`EUR`
Authentication methods	`REDIRECT`
Authentication timeout	60 minutes
Minimum payment amount	0.65 EUR
Maximum payment amount	20,000.00 EUR
Payment instrument	`BANK_ACCOUNT`
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	14 days
Disputes	No
Settlement risk	No

Make a Finnish Bank payment

Finnish Bank payments follow our standardized REDIRECT payment flow. Enabling you to offer a seamless desktop experience. We recommend including all relevant settings for any authentication methods you support.

To create a Finnish Bank payment, you'll need to provide the following data at minimum when calling our payment charges endpoint:

Request

Field	Description
`paymentMethod`	`VERKKOPANKKI`
`amount.value`	The amount to be paid in the smallest units of the currency used.
`amount.currency`	`EUR`
`consumer.country`	The country of residence of the consumer.
`consumer.name`	The name of the consumer.
`consumer.email`	The email of the consumer.
authenticationSettings: REDIRECT `settings.returnUrl`	Specify the URL to which the consumer should be redirected after completing the payment. This is required for the `REDIRECT` payment flow.

POST /v1/payment-charges

{
  "paymentMethod": "VERKKOPANKKI",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {
    "country": "FI",
    "name": "John Smith",
    "email": "[email protected]"
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.webshop.com/order-results-page"
      }
    }
  ]
}

Response

You'll receive our standard payment charge response with the available authentication methods:

{
  "id": "charge_tkIupNPRHsXoFynqvn7Jo",
  "paymentMethod": "VERKKOPANKKI",
  "paymentMedium": "ECOMMERCE",
  "scheduleType": "UNSCHEDULED",
  "instrumentId": "instr_h2HxFOktp0krsRbrF0tVQ",
  "currency": "EUR",
  "country": "FI",
  "status": "AUTHENTICATION_PENDING",
  "consumer": {
    "country": "FI",
    "name": "John Smith",
    "email": "[email protected]",
  },
  "authenticationMethods": [
    {
      "details": {
        "requestUrl": "https://redirection-target.ppro.com",
        "requestMethod": "GET"
      },
      "type": "REDIRECT"
    }
  ],
  "authorizations": [
    {
      "id": "authz_362xaiYRIuN5P5688diNf",
      "amount": 1000,
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-08-25T08:18:23.614Z",
      "updatedAt": "2025-08-25T08:18:23.614Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "discards": [],
  "voids": [],
 "createdAt": "2025-08-25T08:18:23.346Z",
  "updatedAt": "2025-08-25T08:18:23.614Z",
  "_links": {
    "authorizations": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_tkIupNPRHsXoFynqvn7Jo/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_tkIupNPRHsXoFynqvn7Jo/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_tkIupNPRHsXoFynqvn7Jo/refunds"
        },
        "discards": {
            "href": "/v1/payment-charges/charge_tkIupNPRHsXoFynqvn7Jo/discards"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_tkIupNPRHsXoFynqvn7Jo/voids"
    }
  }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

Payment instrument

An instrument of type BANK_ACCOUNT will be created for Finnish Bank payments.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
    "id": "instr_h2HxFOktp0krsRbrF0tVQ",
    "type": "BANK_ACCOUNT"
}