Best Payments Companies in Finland
The 40 best Payments companies in Finland in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Enfuce.
- ResearchAndMarkets.com
Our analysis of 150 Payments companies
$44.9b in tracked funding; 96% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2021.
Ranked: Best Payments companies in Finland
| # | Company | Disclosed funding | Last round | Stage | Founder | Founded | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Enfuce Provider of open banking API solutions | $74M | 33 mo ago | Series C | Tom Grahn Co-Founder | 2016 | WordPressApple iCloud MailGoogle Workspace+31 | 1 partnership |
| 2 | ePassi Online payment solution for businesses | $45M | 83 mo ago | Acquired | Risto Virkkala Co-Founder | 2007 | HubSpot CMS HubApple iCloud MailMicrosoft 365+22 | — |
| 3 | Zevoy Cloud-based expense management & cards solution for businesses | $21M | 52 mo ago | Series A | Joakim Lundborg Founder & CTO | 2020 | SentryTypeScriptGraphQL+13 | — |
| 4 | ZirooPay POS terminal for businesses | $11M | 53 mo ago | Series A | — | 2014 | — | — |
| 5 | Enterpay Online invoice payment acceptance solution for businesses | $1M | 82 mo ago | Funding Raised | Tapio Vepsalainen Co-Founder | 2013 | — | — |
| 6 | Paytrail Provider of online payment processing services for businesses and consumers | $1M | 151 mo ago | Acquired | Markus Laurio Chief Executive Officer | 2007 | HubSpot CMS HubAddsearchAmazon Web Services+28 | — |
| 7 | B2B Pay European B2B payment transfer services | $20K | 122 mo ago | Seed | — | 2015 | DrupalPHPjQuery UI+15 | — |
| 8 | aava mobile Aava Mobile is a mobile platform developer building customized open platforms for original design and… | — | — | Acquired | — | 2009 | WordPress Block EditorWordPressMySQL+27 | — |
Top 7 Payments companies in Finland
#1
Series C · Espoo, Uusimaa · founded 2016 · 145 employees$74.2Mraised▾
Provider of open banking API solutions. It features My Carbon Action tool for tracking CO2 emissions of the purchases. It offers a cloud-based open banking platform for banks and financial institutions. It offers a regulatory compliance platform and an open banking hub that provides a platform for third parties to access data and initiate payments. It also offers the Enfuce Payment Platform that provides card issuing services for card products like consumer credit cards, prepaid cards, and prepaid cards.
- Nov 2023Series C$9.3M
- Dec 2021Series C$50.9M
- Mar 2021Series B$8.3M
- Nov 2019Venture Debt$5.5M
#2
Series A · Espoo, Uusimaa · founded 2020 · 61 employees$20.9Mraised▾
The company provides expense management solutions for businesses. It features a business card that is designed and priced to be used by all employees.
- Apr 2022Series A$16.4M
- Sep 2021Series A$4.5M
#3
Series A · Espoo, Uusimaa · founded 2014 · 14 employees$11.4Mraised▾
POS terminals to businesses. It provides a portable card reader for accepting card payments. It uses DUKPT encryption for securing payment data. It also offers a mobile app for accepting payments and managing the business. It is PCI DSS compliant. The mobile app is available on Android devices.
- Apr 2022Series A$11.4M
#4
Acquired · Espoo, Uusimaa · founded 2007 · 196 employees$45.4Mraised▾
ePassi provides online payment solutions for businesses. It features solutions for employee payments including, meals, transportation, healthcare, training, etc, and mobile payments for merchants via QR code scanning. ePassi app, and POS integration.
- Sep 2019Series C$45.4M
#5
Funding Raised · Helsinki, Uusimaa · founded 2013 · 8 employees$1.1Mraised▾
Online invoice payment acceptance solution for businesses. It combines with VR Payment which features a B2B payment gateway platform that allows businesses to accept online invoice payments from clients to maintain business cashflow. It provides a payment security solution for both buyers and suppliers to mitigate payment frauds and transaction risks.
#6
Acquired · Helsinki, Uusimaa · founded 2007 · 50 employees$1Mraised▾
Provider of online payment processing services for businesses and consumers. It offers a range of payment methods, including bank transfers, mobile payments, and card payments. The company provides tools for merchants to manage transactions and reporting. It facilitates payment solutions for online and physical store environments.
- Jan 2014Seed$1M
#7
Seed · Helsinki, Uusimaa · founded 2015$20Kraised▾
B2BPay offers a flat and simple money transfer facilities for businesses in Europe to accept payments from European countries. Only charges a flat 0.8% fee for currency conversion and payment to any local bank.
- 2016Seed$20K
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Payments coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Digital Payments is moving in Finland
A read on the academic research around Digital Payments — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 82 Finland-affiliated papers.
- University of Jyväskylä16
- Aalto University14
- Åbo Akademi University10
- University of Oulu8
- Bank of Finland6
- Payment system4
- Mobile phone3
- Mobile payment2
- Market liquidity2
- Liquidity crisis2
- Mobile banking1→5
- Mobile payment10→13
- Mobile payment11
- Mobile business development4
- Mobile phone3
- Payment system3
- Marketing3
Where digital payments is researched across Finland
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.