Paytrail
Accept payments in Finland through Paytrail's hosted checkout. Supports all Finnish payment methods including bank buttons, cards, MobilePay, Apple Pay, and invoicing. EUR only.
Paytrail is Finland's leading payment provider. Shoppers are redirected to Paytrail's own hosted checkout page, where they can pay using any method enabled in the merchant's account - Finnish bank buttons (OP, Nordea, Danske, S-Pankki, Aktia, Säästöpankki, POP, Ålandsbanken, OmaSP), cards, MobilePay, Apple Pay, Google Pay, Siirto, and invoice options such as Klarna and Walley. PayLexer handles payment collection, refund processing, and signed payment notifications automatically.
- Supported Currencies: EUR
This gateway appears in checkout only when the selected currency is EUR.
Supported Features
- Hosted checkout - shoppers pay on Paytrail's secure page using any method enabled in your account
- Full and partial refunds
- Signed payment notifications handled automatically by PayLexer
- Safety-net re-check every 30 minutes for any unresolved orders
Before You Start
Make sure you have:
- Paytrail Account - Don't have one? Contact Paytrail to get started →
- PayLexer Account - Required to configure the integration. Create your account →
- A website where you want to integrate
Looking for a different payment processor? View all supported gateways →
Configuring Paytrail
You need a Merchant ID and a Secret Key from Paytrail for this integration.
Getting API Credentials
Open the Merchant Account tab
Log in to your Paytrail merchant panel. Click Merchant Account in the sidebar. Your Merchant ID and Secret Key are listed on this page.
Copy your credentials
Copy your Merchant ID (a numeric account ID) and your Secret Key. You will paste both into PayLexer in the next section.
Keep your Secret Key confidential. It signs every payment request and verifies every payment notification. Do not share it or expose it in client-side code.
Adding Credentials to PayLexer
Open PayLexer Dashboard
Log in to your PayLexer dashboard and navigate to Payment Gateways → Paytrail.
Enter your credentials
Paste the Merchant ID and Secret Key you copied from Paytrail into the corresponding fields.
Understanding Live/Production and Sandbox Settings:
| Environment | Purpose |
|---|---|
| Live / Production | Used for real transactions. |
| Test / Sandbox | Used for testing only. No real money is processed. |
How PayLexer selects credentials:
- Debug/Test mode ON → Test credentials are used
- Debug/Test mode OFF → Live credentials are used
Test and save
Click Save to save your configuration and verify your credentials. Click Verify Connection to test the connection.
Webhooks
PayLexer registers the payment notification URL with Paytrail automatically inside every payment and refund request. No webhook URL setup is required in the Paytrail merchant panel.
Integrate Paytrail to Your Website
If you have already added and configured your site, you can enable Paytrail in your existing setup.
Go to Websites
Navigate to Websites in your PayLexer dashboard.
Edit your website
Click the Edit Icon of your added website.
Enable Paytrail
Click the checkbox to enable Paytrail for the website.
Paytrail is now active for this website. Complete a test purchase in test mode before switching to live.
If you haven't added a website yet, Continue to Add Your Website →
Troubleshooting
Best Practices
- Test in sandbox mode before enabling live. Run a complete checkout and verify the full payment flow before accepting real transactions.
- Keep your Secret Key confidential. It signs every payment request and verifies every notification - treat it like a password and store it only in PayLexer.
- Factor in refund limitations for S-Pankki and Ålandsbanken payments when setting your refund policy, as those must be processed by emailing Paytrail directly.
FAQs
Still Have Questions?
- Paytrail Support: Paytrail Help Center
- PayLexer Support: Contact Support