Siirto is an online bank payment method that lets customers pay directly from their bank account and confirm the payment in their bank’s mobile app. Payments are transferred instantly. See the benefits of Siirto, who can offer it, and how to activate it in the Merchant panel.
Merchant fees for Siirto payments follow Paytrail pricing. There are no additional fees for customers paying with Siirto.
Benefits for customers
- Pay directly from a bank account without entering card details or banking credentials
- Real-time transfers between Finnish bank accounts
- Payment is confirmed securely in the customer’s own banking app
- Familiar bank-based payment method for Finnish customers, also on mobile
See how Siirto works for your customers.
Who can offer Siirto?
Siirto is available to all Paytrail customers. The service is based on real-time bank transfers and works within supported banks’ mobile apps.
Siirto will be available for online payments in phases according to bank-specific schedules.
- For OP customers, available from the end of May 2026.
- For Nordea customers, available by September 2026.
- Availability will expand as additional banks join.
Before activating Siirto, review the applicable terms in Paytrail terms and conditions.
Step-by-step: Activate Siirto in the Merchant panel
- Sign in to the Merchant panel.
- From the left-hand menu, select Payment methods.
- Find Siirto and click Activate.
