With the Paytrail payment service, you can enable online payment features provided by the most common Finnish banks as well as credit card payments in your online store.
Features
- Online payment features of the most common banks
- Credit card payments
- Bank transfers
- Payment link, allowing an order to be paid via Paytrail at a later point in time
- Payment method selection page bypass (Paytrail payment options embedded in the checkout page)
- Returning payments directly in your online store's admin panel
When a customer at checkout chooses a payment method that uses Paytrail, they will be able to select one of Paytrail's services.
After selecting a service in the payment service view, the customer is redirected to the selected payment service, where they can pay the order. After this, the customer is again redirected to MyCashflow's order confirmation page.
If the customer returns to the online store directly from the payment service, the payment will be marked as paid immediately. If the customer does not return to the store, the payment will be marked as open, but Paytrail will automatically update its status later.
Pricing
There are two Paytrail plans available in MyCashflow:
- with no monthly fee, the pricing is based solely on a commission
- with a monthly fee plus commissions of various levels
Paytrail payment services
The Paytrail payment services available at the checkout of the online store are managed on the page in Paytrail's merchant panel.
The available payment services are as follows:
- Bank payments: Nordea, OP Bank, Danske Bank, Savings Bank, Oma Savings Bank, POP Bank, Aktia, Handelsbanken, Ålandsbanken and S-Bank
- Invoice and installment plan services: Walley, OP Lasku and Jousto
- Card payment: Visa, Mastercard and American Express
Credit card payments need to be enabled separately on the
page in Paytrail's merchant panel. The user account must have authority to sign, and the activation will take 2–3 days. - Mobile payments: MobilePay, Pivo, Siirto, and Apple Pay
Credit card payments need to be activated in order to have mobile payments available in the online store.
Apple Pay is not supported in the bypass service of Paypal's payment method selection page.
Enablement
If you are not yet a customer of Paytrail, start by registering in the service:
Next, you can create a new payment method that uses Paytrail:
Paytrail payment method settings
- The payment service selection will be bypassed: Embeds Paytrail's payment service menu in the online store's checkout and bypasses the separate payment service selection page.
Learn more about bypassing the payment service selection page
- Show payment provider logos: Makes the payment service logos visible in the payment service menu at the checkout.
The The payment service selection will be bypassed setting must also be active.
- Show SVG logos: Displays logos in the payment service menu in SVG format (the default is PNG format).
Both of the aforementioned settings must also be active.
SVG is a scalable image format that keeps images sharp regardless of which size they are displayed in.
Payment tracking and payment method management
You can manage the functioning of the service and the payment transactions in the Paytrail merchant panel at https://merchant.paytrail.com/login
The merchant panel is where you can, among other things,
- manage and modify payment services used in your online store
- check payment balances and payments that have not been accounted for.
Additionally, you will receive an accounting report from Paytrail twice a month.
Using the payment link
All payment transactions in Paytrail are linked to a payment page, where customers can make the payment. A payment link comes in handy, for instance, in the following cases:
- Corrective payment transactions: If products need to be added in an order afterwards, you can create a new Paytrail payment for the order and send the payment link to the customer.
- Orders created on behalf of the customer: When you create an order on behalf of the customer in the admin panel, it is convenient to charge the customer by means of a Paytrail payment link.
Using payment links in orders created on behalf of customers
Here's how to get a payment link for an order that you created yourself in the admin panel:
Refreshing the payment status
If the customer has selected a payment service that does not require the payment to be made at the same time when placing an order (e.g. it is possible to pay by invoice), you can refresh the payment status by using the Refresh payment status functionality available via the Payment transactions menu on the order page.
If the payment has been made, its status will automatically be updated on the Payment transactions menu pane.
Refunds
Paytrail enables you to refund your customers directly from your online store's admin panel.
If an order has been paid with Paytrail, you can refund the payment via the right-hand Payment transactions menu on the order page.
Bypassing the payment service selection page
Paytrail contains a payment service selection page bypass option that enables you to embed the Paytrail payment method selection in your store's checkout page.
With the setting enabled, all the payment services enabled on the in the Paytrail merchant panel will appear as individual payment methods at checkout. This way your customers gain a clear picture of the available payment methods already before finalizing their order. page
ApplePay cannot be embedded in the checkout page.
Enabling the payment service selection page bypass
After ordering the service, you can enable it by selecting The payment service selection will be bypassed in the settings of a payment method that uses Paytrail.
Save the settings after enabling bypassing the payment service selection page and defining payment options.
Processing Walley payments
In this section, we will go over the usage of the Walley payment service through the Paytrail integration.
Activating payments
If the customer has chosen Walley installment plan or invoice as the payment method for the order, the payment transaction will initially be displayed as Pending activation. No invoice for the order will be sent to the customer until the payment transaction has been activated.
- run quick processing for the order
- mark the shipment as delivered
- activate the payment manually by pressing the payment transaction link Activate payment
After the payment has been activated for the order, the status of the payment transaction is automatically updated into Activated and Walley sends an invoice for the order to the customer.
When the customer makes the payment, the status of the payment transaction is updated into Paid.
If necessary, you can update the status of the payment manually by selecting Check payment status.
Refunding payments
It is not possible to give refund of the order total if the status of the payment is Pending activation. You can give a refund if you first do one of the following:
- activate the payment in the payment transaction and make a refund of the payment for the required amount
- activate the payment in the payment transaction, cancel the payment after it has been activated, and send the customer a payment link for the new amount.
Modifying the contents of invoices
After a Walley invoice has been created, its contents cannot be modified, so if there are any changes to the order, they will not be conveyed to the invoice.
If you need to modify the contents of an order, first activate the payment and, if already paid, refund the sum of the original invoice to the customer. After this, you can modify the order and create a new Walley invoice.