• Online payment service, Suomi.fi Payments

    The State Treasury has procured an online payment service for public administration entities, which is part of the Suomi.fi service package. The Suomi.fi Payments service provides a unified payment service and system solution for state agencies, public enterprises, municipalities, and wellbeing services counties to support electronic transactions. With this service, customers of public administration organizations can make payments in public administration’s electronic services or online stores.

    A service agreement is made with the State Treasury for the implementation of the Suomi.fi Payments service, detailing the specifics of the implementation. The implementation of the service is quick and easy, and the State Treasury, together with the service provider, supports the organization if needed. The Suomi.fi Payments service provides the organization with all the most common online payment methods, such as online banking payments, Visa, MasterCard, and Amex card payments, as well as several mobile payment methods.

    The State Treasury has been providing the Suomi.fi Payments service since 2017. The service was tendered in 2021, and the renewed Suomi.fi Payments service was launched at the end of 2022. The service provider is Paytrail Plc. The service contract period ends no later than 31 October 2029.

  • Service usage obligation

    A Finnish act, “laki hallinnon yhteisistä sähköisen asioinnin tukipalveluista” (“act on joint administrative services for electronic services”), or the act known as the support services act, obliges an organisation to use the Suomi.fi Payments service if the organisation uses an online payment service related to electronic interaction services. The Act is also known as the Kapa Act, this abbreviation standing for its Finnish name (“kansallinen palveluohjelma”.

    This Act specifies what organisations performing public administrative tasks are obliged or entitled to deploy the Payments service and for what services. For example, municipalities and other municipal organisations as well as central government accounting units are obliged to use the Payments service in their statutory services if the organisation’s electronic services are accompanied by an online payment option. Municipal administration organisations are also entitled to use the service in other services than their statutory services.

    The above-mentioned organisations must contact the State Treasury when they plan to adopt an electronic interaction service that involves online payments.

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  • Contact information

     

    Anja Alanko
    Responsible for Suomi.fi-payments
    Financial Administration Specialist
    verkkomaksaminen(at)valtiokonttori.fi

  • Pricing criteria

    The pricing of the service for user organisations is based on the Ministry of Finance decree on chargeable performances by the State Treasury (632/2024) and the valid rates related to the Decree. The fees charged are performances subject to public law and based on the cost value, in which case the service fees charged to user organisations cover the costs incurred in the administration, development and use of the service.

    The fees charged to the user organisations for the use of the Suomi.fi Payment service consists of:

    • a monthly fee per electronic service that covers both the monthly fees payable to the service provider and the costs incurred by the State Treasury for the administration of the service
    • electronic interaction service fees per payment transaction and commissions related to card payments and MobilePath, which are invoiced to the user organisation based on the execution of payments
    • separate services for electronic interaction services, such as the refunds of payments and individual settlements based on their execution

  • Price information
    • Monthly fee of EUR 50/month for every merchant ID

    User organisations will be charged a fee per payment transaction and per any commissions arising from a transaction carried out in the electronic service, based on the execution of payments and commissions. Charges per payment transaction are based on the average prices calculated on the basis of the service operator’s and the card service operator’s price lists. The prices charged to user organisations include:

    • Online bank payment buttons, PSD2, EUR 0.15/pc
    • Online bank payment buttons, traditional, EUR 0.55/pc
    • Card payments, EUR 0.09/pc (Visa, Mastercard and American Express)
    • Mobile payments EUR 0.23/pc (MobilePay, Siirto, Google Pay and ApplePay)
    • Commissions arising from card payments and mobile payments, according to the execution of payments
    • Refunds of payments, EUR 0.37/pc
    • Individual settlements, EUR 0.17/pc
    • Shop-in-Shop cost, EUR 0.17/pc
    • Any other costs according to the supplier’s pricing

    Commission for card payments varies according to the issuer of the card. The commission for a payment card issued within the EU is approximately 1.16%, and for a card issued outside the EU about 2.35%. The commission for mobile payments is around 1.0 %.

  • Invoicing and the terms of payment

    The State Treasury invoices to user organisations on a monthly basis. A service-specific invoice will be sent to the user organisations, and the invoice will be used to charge the current month’s fee for the electronic interaction services and for the previous month’s transaction-specific payments and commissions.

    Possible balancing billing will take place in December.

    The State Treasury uses the terms of payment of net within 21 days for invoices. Comments to the invoice must be made in writing within seven (7) days of the receipt of the invoice by the user organisation.

    The invoicing address given on the deployment form is used as the invoicing address. User organisations can also give a more detailed invoicing address by providing additional information specific to the electronic interaction service (your reference, contract number, order number or posting reference).