Get started with Paytrail’s payment service quickly and easily. You can choose the pricing plan that best fits your business, test the payment service in your e-commerce platform, and complete your sign-up online. This step-by-step process ensures your checkout works smoothly and helps you start accepting customer payments without delays.
Choose your pricing plan
As a Paytrail customer, you can choose the pricing plan that best suits your business:
- The S-plan is designed for startups and small entrepreneurs. Monthly fee 14,90€/month + VAT, transaction fees 0,50€ + 3,25% commission per transaction.
- The M-plan is ideal for businesses with higher volumes. Monthly fee 59€/month + VAT, transaction fees start at 0,50€ per transaction.
See detailed pricing information on our website. Note: your pricing plan affects the settlement cycle.
You can change your pricing plan once every 12 months by contacting customer service. Changes take effect at the start of the next month after confirmation.
Test the payment service
Before signing up
Test Paytrail’s payment service in your e-commerce environment before signing an agreement. Payments made using test credentials are simulated and not processed or settled.
Add the credentials below to your platform’s payment settings. Review compatible platforms for setup options or contact your technical partner for assistance.
Test credentials
• Merchant ID: 375917
• Secret key: SAIPPUAKAUPPIAS
These credentials allow you to test most payment methods included in Paytrail’s service. For method-specific test details and credentials, see our developer documentation.
After signing up
Test your checkout flow and verify the visibility of payment methods by making test orders. To test without real payments, continue using the test credentials above.
Sign up and complete your details
Filling out the sign up form is not binding. The agreement becomes valid only after it has been signed.
If your e-commerce platform provider signed up on your behalf, go to step 2.
- Fill out the sign up form on our website. Once completed, you'll receive Merchant panel credentials via email.
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Sign in to the Merchant panel.
- You will receive login instructions by email, and you can reset your password on the login page if needed. Two-factor authentication (2FA) is required for secure access. Follow the setup instructions to enable it.
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Enter your company details in the Merchant panel.
- You can save partial information and finish later.
- If your user account links to multiple merchant accounts, select the correct account from the top left corner.
Instructions for completing the information
Provide the following information:
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Company info
- Verify that the information you entered on the sign-up form is accurate and fill in any missing details.
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Owners and beneficial owners
- Provide details for all required individuals and any owner companies. Learn more about who qualifies as a beneficial owner.
- If applicable, include information about politically exposed persons (PEPs). Learn more about what it means to be a politically exposed person.
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Contact information
- Add one or more contacts and choose the contact type (customer service, business, administrator, technical).
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Invoice info
- Enter invoicing email, address, postal code, city, country, company name on the invoice, invoicing contact person, and phone number.
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Bank account number for settlements
- Provide your company’s bank account number and BIC. This is the account where settlements are paid (payments made by your customers).
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Sign agreement
- Send an electronic signature invitation to the authorized signatory via the Merchant panel. The signatory will authenticate with personal online banking credentials.
The following information must be provided:
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Company info
- Verify business ID, company name, marketing name, and address.
- Select your business type and preferred communication language.
- Confirm that your store or service URL was prefilled correctly from the sign up form.
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Owners and beneficial owners
- Provide details for all required individuals and any owner companies. Learn more about who qualifies as a beneficial owner.
- If applicable, include information about politically exposed persons (PEPs). Learn more about what it means to be a politically exposed person.
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Contact information
- Add one or more contacts and choose the contact type (customer service, business, administrator, technical).
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Invoice info
- Enter invoicing email, address, postal code, city, country, company name on the invoice, invoicing contact person, and phone number.
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Bank account number for settlements
- Provide your company’s bank account number and BIC. This is the account where settlements are paid (payments made by your customers).
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Sign agreement
- If no one in your company has Finnish bank credentials, electronic signing via the Merchant panel is not possible. Print and sign the agreement form, review the terms.
- Send a copy of the signed agreement, a copy of the authorized signatory’s passport, and a bank statement in English showing the account is in the company’s name to support@paytrail.com.
After you complete all details and sign the agreement, we will review your information and contact you. If you need help, our customer service team is happy to assist.
Paytrail’s payment service is pre-installed or available on most e-commerce platforms. For custom integrations, visit our developers section.