Accept MobilePay in Finland to boost checkout conversion

If you sell to online shoppers in Finland, offering MobilePay at checkout is one of the quickest ways to reduce friction and lower cart abandonment. Over 2.86 million Finnish consumers actively use MobilePay to send money and buy online. Accepting MobilePay in your ecommerce store does not require separate merchant contracts or complex paperwork – you can enable it directly as part of your standard card payment setup with Montonio.

Why Finnish shoppers expect MobilePay at checkout

Online bank transfers have long dominated the Finnish payment landscape, but digital wallets are capturing market share rapidly. According to a PostNord report on Finnish checkout behavior, direct bank payments remain popular, yet consumers increasingly favour mobile apps for online shopping. In fact, ecommerce revenue processed through MobilePay grew 79% in a single year, according to the Vipps MobilePay annual report.

When Finnish consumers reach checkout and cannot find a familiar payment option, many simply exit the site without purchasing. Svea research on Nordic payments confirms that an absent payment method is a primary driver of abandoned carts across Nordic markets. Offering local payment options directly supports key strategies to test practical ways to boost your online store conversion rate.

How MobilePay speeds up payment flows

You might assume that supporting traditional card payments or direct bank links is sufficient for cross-border ecommerce. Card options remain essential for broad international reach, as outlined in our guide on why card payments are still important in ecommerce. However, typing 16-digit card numbers and completing multi-factor authentication on a smartphone creates unnecessary friction that drives mobile shoppers away.

MobilePay removes this friction by serving as a smooth wallet layer built on top of standard card infrastructure. Behind the scenes, your underlying payment gateway routes the transaction securely, while the shopper approves the purchase with a single swipe in their mobile app. Whether your store relies on a one-page checkout vs multi-step checkout, eliminating manual data entry helps buyers complete transactions faster.

Setting up MobilePay in your online store

Accepting MobilePay does not require navigating Nordic financial regulations or signing individual agreements with wallet providers. Through Montonio payments, MobilePay access is managed entirely within your card payment service.

MobilePay is included by default in Montonio’s Starter and Core pricing plans without additional configuration. If you operate on Montonio Core Flex, you simply activate card payments in the Montonio Partner System and enable MobilePay in your store settings.

To enable MobilePay in WooCommerce, follow three steps:

• Open your WooCommerce admin panel and navigate to Settings → Payments.
• Click Manage under your Montonio payment plugin settings.
• Tick the box for MobilePay to turn it on for checkout.

Montonio offers ready-made ecommerce integrations for major platforms, including Shopify and WooCommerce. If you run a custom platform, you can enable MobilePay through Montonio’s custom API integration by requesting the mobilePay system payment method for Euro transactions.

Built-in visibility logic ensures MobilePay is only displayed to relevant shoppers – such as Finnish customers paying in Euros – keeping your checkout clean and uncluttered for buyers in other markets.

Managing payouts, fees, and store operations

Keeping administrative overhead low is essential when evaluating how to approach choosing an ecommerce payment provider. Because MobilePay operates on card rails behind the scenes, operational workflows fit seamlessly into your existing routines:

• Unified payouts settle MobilePay revenue alongside your regular card transactions on daily (with a 2-day buffer), weekly, or monthly schedules.
• Transparent pricing ensures MobilePay carries no separate merchant fees or unique payout delays outside standard card processing rates.
• Simple reporting allows you to filter and track all MobilePay orders inside the Montonio Partner System by payment method.

Offering MobilePay gives Finnish shoppers their preferred mobile payment method while keeping your settlements, bookkeeping, and operational workflows under one roof. Create an account with Montonio today to offer MobilePay and local Finnish bank payments at checkout.