Online Banking Finland
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 API:
Request
Field | Description |
---|---|
|
|
| The amount to be paid in the smallest units of the currency used. |
|
|
| The country where the consumer is shopping. |
| The name of the consumer. |
| The email of the consumer. |
authenticationSettings: REDIRECT
| Specify the URL to which the consumer should be redirected after completing the payment. This is required for the |
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": [],
"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"
},
"voids": {
"href": "/v1/payment-charges/charge_tkIupNPRHsXoFynqvn7Jo/voids"
}
}
}
Pick the desired authentication method
REDIRECT
- Redirect your consumer to the returned
$.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl
.
For example, with the value ofhttps://redirection-target.ppro.com/
using the returned$.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"
}
Updated 12 minutes ago