Paytrail

How to get started

 Suomenkieliseen versioon

Welcome to our service!

Discover key features of our payment service and most important functions of the Merchant panel, plus links to helpful resources for your online store. 

Share this packet with your team to get the most out of our service!

Info packet includes: 

Start accepting payments
This section provides instructions for setting up and using the payment service. Get quick, easy setup instructions to start using our payment service.

Merchant panel
Discover the key features of your daily management tool.

Additional services and features
Boost your business with our financing options and extra services.

 

 

Stay updated on e-commerce trends
Explore our resource library.

Excellent customer support
Explore our Help Center and get help from our experts whenever you need it.

Idea Tip

Check our status page for real-time updates on our payment service, including maintenance or disruptions. Subscribe via email for automatic alerts. 

Start accepting payments

1. Setup the payment service

The payment service is now available to setup!

To start processing payments, add your Merchant ID and Merchant Secret to your online store’s backend. Find these credentials in the Merchant panel under Merchant account.

If you need help adding the credentials to your online store, check out our platform-specific instructions.

2. Test the checkout flow

A clear checkout flow makes ordering easier.

Test your online store’s checkout flow and the visibility of payment methods by making test orders.

To test without making real payments, use our test credentials for Paytrail's service

3. Add terms to your online store

It’s important that the terms of your online store are current, clear, and legally compliant.

1. Ensure your store includes comprehensive and clear terms for your customers. See specific info required.

2. Add Paytrail's payment terms provided in the box below to your online store. Other language versions (Finnish and Swedish).

Payment Service Provider
 
Paytrail Oyj serves as the payment intermediary and service provider in collaboration with Finnish banks and credit institutions and is an authorized payment Institution. Paytrail Oyj will be shown as the recipient on your bank or credit card statement and forward the payment to the merchant. For complaints, please contact the website the payment was made to.
 
Paytrail Oyj
Innova 2
Lutakonaukio 7
40100 Jyväskylä
Business ID 2122839-7
paytrail.com/en/consumer/information-about-paying

Payment-options

4. Offer a variety of payment methods

Offering diverse payment methods helps customers find their preferred way to pay and improves your store’s conversion rate. Our selection includes:

You can manage the available payment methods in the Merchant panel.

Please note some payment methods are subject to industry-specific restrictions as well as method-specific rules and special terms.

 

Idea Tip

Use our ready-made materials to complete the setup. Payment method banners let your customers know which payment methods are available in your online store.  Share our social media assets to announce you’re now using Paytrail.

Merchant panel

Key features highlighted

Streamline your payments with the Merchant panel. Track payments in real-time, view upcoming settlements, and manage key functions all in one place with our convenient payment tracking and analysis tool. Discover key Merchant panel features below.

Detailed instructions on using the Merchant panel can be found in our Help Center.

Transactions and refunds

  • Track and search transactions. Use the Merchant panel to find individual payments or view all transactions within a specific time frame using various search criteria.

  • The Merchant panel displays all transactions from your store to Paytrail. Check the “Payment status” field to see if payments have been settled.  

 

  • Make refunds in the Merchant panel to ensure payments return to the original method, minimizing misuse risks.

  • The refunded amount is deducted from the balance of unsettled payments in your Merchant account. Note: ensure that your balance has at least the amount of the refund. You can transfer funds to top up your account, if needed. 
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Settlements and accounting

  • Get settlement reports emailed directly or download them from the Settlement reports page. Send reports to multiple email addresses if needed.

  • Reports include settlement details and deducted transaction and commission fees. A report is automatically generated once settlements are calculated.

  • Check your settlement cycle and delay in the Merchant panel under Settlement settings. Depending on the package, it is possible to change the settlement cycle to once a week or once a month.

  • Automate accounting by retrieving accounting data using the interface.

Other features

  • User roles: We recommend having more than one user for the Merchant Panel. User roles allow you to control what information each user can access. For example, an accountant can be given access to only view payments and settlements. 

  • Payment link: Sending a payment link is convenient when a customer adds to their order or a customer places an order by phone.

Idea Tip

Updating information is quick and secure in the Merchant panel. Please ensure that all key details, such as invoice information, contact details, and the contact person’s information, are kept up to date.

Additional services and features

Paytrail-Kauppiasrahoitus

Paytrail Financing

  • A simple and fast financing option
  • Flexible payments – Pay back as your customers pay you.
  • Quick decision – Receive funding usually within 24 hours.
  • One fixed price – No interest or hidden fees.

Ideal for merchants who have been Paytrail customers for at least four months and are looking for financing to accelerate growth. Merchant Financing is provided in partnership with our partner, Liberis. Apply via the Merchant panel.

Additional features

Parallel credentials

Parallel credentials are a convenient way to separate the sales of several online stores and to receive payments to different bank accounts, making accounting easier. 

Tokenization and subscriptions

Tokenization and subscriptions enables your customers to have a fast card payment experience. Note: Implementation requires development work on the part of your online store. 

Shop-in-Shop service

Shop-in-shop service enables multiple parties to sell products or services in the same service, shopping cart and payment.

Nets payment terminals

Looking for a payment solution for your store?  Nets offers versatile payment terminals for on-the-go sales or at cash register for your physical store.

As part of the Nexi/Nets group, Paytrail offers you the first three months of Nets payment terminals free with the code NETSETU.

Interested? Click the button below, choose “Contact sales,” and use code NETSETU in the "campaign code" field.

Contact

Stay updated on e-commerce trends

Library

In our library, you’ll find comprehensive reports and ebooks. 

Networks

Paytrail is one of the founding members of the Digital Commerce Finland community, which aims to build the world’s most competitive digital commerce network in Finland.

We warmly invite everyone to join the community!
 www.digitalcommerce.fi/en

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Excellent customer service

Excellent-customer-service

Learn more about our payment service

Find detailed guides, answers to common questions, and solutions to get the most out of our payment service in our Help Center.


Our experts are here for you

Paytrail’s dedicated customer service team is here to help with all your payment and online business questions. Available through multiple channels, our experts are by your side every step of the way, ensuring you get the most out of our service!

Customer service for online businesses


Wishing you success with your online Business!
Warm regards, Paytrail team ❤️

Paytrail Plc | Innova 2, Lutakonaukio 7 | 40100 Jyväskylä | +358 20 718 1820