PayLens /Markets

Finland

EUR5.6 MNordics

Payment mix at the point of sale · 2024

Cash 27%

Cards 57%

Cash27%
Cards57%
Wallets11%
Other5%

Cash settles 27% of payments here, the 13-highest of 18 tracked markets.

POS terminals

161,500

2025·+0.8% year on year

2022232425

Provided by resident PSPs (ECB)

Key figures

14.781 M

Cards in issue

63%

Contactless

24.4%

E-commerce

€30

Avg. card payment

rank 14 of 22

Accepted methods · 16

Siirto· domesticAmerican ExpressApple PayDiners Club / DiscoverGoogle PayJCBKlarnaMastercardMobilePayPayPalSEPA Instant Credit TransferUnionPayUSDC (stablecoin acceptance)VisaWeroSamsung Pay

What applies here

Supervisor: Finanssivalvonta (Finnish Financial Supervisory Authority) / Suomen Pankki (Bank of Finland)
Interchange: EU IFR: 0.2% debit / 0.3% credit on consumer cards.
Surcharging: Banned on consumer cards covered by the IFR (PSD2 Art. 62(4), transposed in Finnish payment-services law).

10providers with a tracked share

Who, and at what share

Headquartered here · 5

Enfuce Nordea Bank Abp Paytrail Svea Payments Visma Pay

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Sources: data-api.ecb.europa.eu·data.ecb.europa.eu·ec.europa.eu·eur-lex.europa.eu·ecb.europa.eu

Data as of 12 Aug 2026·Compare all 22 markets