Finland country report PPRO
All countries

Payment methods in Finland

Here are the top takeaways you need to know about the Finland e-commerce market:

  • The Finnish e-commerce market is worth US$17 billion, rising to US$24 billion by 2027 — in a country with just 5 million inhabitants.
  • Fins love to shop from foreign merchants, buying a fifth of all e-commerce purchases from sites based outside Finland.
  • In almost 40% of e-commerce purchases, Finns used a mobile device to complete the transaction.
  • Finns use digital payment methods in over 70% of all online transactions. Popular payment methods include Klarna, PayPal, and Sepa Direct Debit.
  • In 2022, the average online shopper in Finland spent US$3,249 with e-commerce merchants, rising to US$4,359 by 2027.
Online Population
B2C E-commerce
Banked Population
Credit Card Population
E-commerce of Total Retail

Payment Method Breakdown

  • Card 26%
  • Cash 2%
  • Bank Transfer 34%
  • E-Wallet 24%
  • Other 14%
[{"label":"Card","value":"26"},{"label":"Cash","value":"2"},{"label":"Bank Transfer","value":"34"},{"label":"E-Wallet","value":"24"},{"label":"Other","value":"14"}]

Card Scheme Breakdown

  • Visa 55%
  • Mastercard 45%
  • American Express 0%
  • Local schemes 0%
  • Other 0%
[{"label":"Visa","value":"55"},{"label":"Mastercard","value":"45"},{"label":"American Express","value":"0"},{"label":"Local schemes","value":"0"},{"label":"Other","value":"0"}]

Cross-Border E-Commerce


Online shoppers who have shopped cross-border


Cross-border proportion of total e-commerce

3.0 bn $US

Value of cross-border e-commerce

Top cross-border shopping origin markets