Mobile payments are payments that are made using a mobile application. They make paying easier especially on mobile devices. It is also possible to place orders using a computer and then pay by mobile payment through an application.

Some applications offer only payments and some are also mobile wallets and offer a different range of features and services.

Svea Payments offers the following mobile payment methods:
MobilePay
Siirto

MobilePay

MobilePay is the first and most popular mobile payment method on the Finnish market. MobilePay is based on card payments; the user registers his/her card in the application and payments are debited from the registered card. The user can also register several cards and choose which one to use for payment. MobilePay functions both on Android and iOs.

MobilePay requires that the webstore has card payments in use from Svea Payments. MobilePay-payments are always unverified card payments which is good to consider in risk management. Taking MobilePay in use does not require any additional technical integration from the webstore, the payment method is activated by Svea Payments.

Svea Payments charges a transaction fee for MobilePay-payments. There is no monthly fee. The current pricing can be found on Svea Payments website.

Payment process with MobilePay:

1. On desktop: The buyer fills in his/her phone number on the webstore's checkout page or on Svea Payments payment page. On mobile device: The MobilePay-app opens automatically.

2. The buyer gets a payment notification in his/her MobilePay app and accepts the payment by swiping.

3. The payment is confirmed to the web store immediately, and the buyer returns to the web store.

Siirto

Siirto is a real-time mobile payment that works in different mobile applications: Nordea's Siirto-application, Pivo-application and OP Mobile. Siirto can be used by customers of Nordea, OP and S Bank.

Siirto differs from other mobile payment methods in that Siirto-payments are always debited from the user's bank account. Online bank payments are the most popular payment method in Finland and Siirto makes it easy to pay online from your bank account.

Siirto requires that the webstore has online bank payments in use from Svea Payments. Taking Siirto in use does not require any additional technical integration from the webstore, the payment method is activated by Svea Payments.

Svea Payments charges a transaction fee for Siirto-payments. There is no monthly fee. The current pricing can be found on Svea Payments website.

Payment process with Siirto

1. The customer chooses Siirto as payment method in the web store's checkout.

2. The customer opens the Siirto-application and accepts the payment by swiping.

3. The payment is confirmed to the web store immediately, and the buyer returns to the web store.

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