Advanced B2B Payment Infrastructure for the Finnish Market
TODA Pay delivers a full suite of payment solutions built specifically for the fast-evolving Finnish economy. As Finland cements its reputation as one of Europe’s most digitally advanced markets — with cash used in under one in ten transactions — our platform gives businesses the tools they need to scale confidently across a highly connected, cashless society, from Helsinki-based e-commerce brands to industrial B2B suppliers across the Nordics.
High-Performance Local and Regional Processing
We provide secure, deeply localized payment processing aligned with Finnish business and consumer habits. Our platform integrates directly with Finland’s most trusted payment rails — Siirto, the real-time bank-to-bank transfer network, MobilePay, the leading mobile wallet across the Nordics, and Pivo, OP Financial Group’s banking-linked wallet used by millions of Finnish consumers — alongside native SEPA transfers, ensuring fast settlement and strong conversion rates. We also support Visa and Mastercard, letting your business accept international payments as smoothly as domestic ones.
Why the Finnish Market Demands Local Payment Rails
Finnish consumers and businesses place exceptional trust in their banks, and this shapes how they prefer to pay online. Direct bank-initiated transfers through familiar banking apps — rather than card entry — remain the default checkout method for a large share of B2B and B2C transactions, a habit rooted in Finland’s mature online-banking culture. Strong Customer Authentication under PSD2 further reinforces this preference, as bank-app confirmation is faster and more secure than manual card input. TODA Pay’s native integration with Siirto and MobilePay lets your business meet this expectation without sacrificing speed or approval rates.
Innovative Fintech Capabilities
TODA Pay is built with forward-looking features that optimize the B2B financial experience. We fully support digital wallets such as Apple Pay and Google Pay, along with instant QR-based payments for both online and in-person transactions. Our infrastructure leverages Open Banking (PSD2) and secure ledger technology to deliver greater transparency, real-time settlement tracking, and streamlined reconciliation for finance teams. This level of transparency is particularly valued by Finnish finance teams, who prioritize accurate, real-time reporting for audit and tax purposes.
Frictionless API Integration
Business continuity sits at the core of our platform. TODA Pay is built for effortless integration with your existing ERP, CRM, and accounting systems, powered by a unified Corefy-based API. This developer-friendly architecture ensures a smooth migration, minimal downtime, and lets your team focus on growth instead of complex payment infrastructure projects.
Enterprise-Grade Security and Compliance
Protecting your financial data is our top priority. Fully aligned with GDPR and FIN-FSA (Finanssivalvonta) regulatory standards, TODA Pay applies AI-driven fraud detection across every transaction. Our multi-layered security protocols identify and neutralize risks in real time, protecting your revenue, data integrity, and reputation as digital payment threats continue to evolve. Recent industry data shows nearly nine in ten Finnish consumers now use online banking payments for e-commerce purchases, underscoring why locally optimized rails are essential to conversion.
Optimize Your Payments in Finland Today
Is your business ready for a faster, more secure payment infrastructure? Contact the TODA Pay team today for a strategic consultation and discover how our tailored B2B fintech solutions can accelerate your growth in the Finnish market.
