A smooth payment experience from purchases to bills
Offer your customers a payment method that works quickly and effortlessly.
For e-commerce merchants
Smoother payments for e-commerce merchants
Offer your customers an easy way to pay directly from their banking app. No registration or card details required. Join the 30,000 e-commerce merchants already using Siirto and get started.
Better conversion
Customers pay in their own banking app, in a familiar and secure way. This reduces checkout drop‑offs and improves conversion.
A fast way to pay
Siirto combines the security of a banking app with the ease of mobile payments. You pay directly in your mobile bank in online stores and apps.
Easy to set up
Siirto is available through several of our payment service partners, and getting started is effortless. You can also contact us directly.
Billers
Move 20% of your paper invoices to digital
Among billers who adopted the service in autumn 2026, on average one fifth of paper invoices has moved to a digital channel, and the figure keeps growing.
Siirto e-invoice address service automatically forwards consumers’ e-invoice addresses to your company, so the invoice reaches the customer’s banking app directly, with no separate e-invoice agreements needed.
The service is based on the familiar Finvoice standard, and no new invoicing channel is needed. With Siirto you can send both recurring and one-off invoices.
Automatic delivery
The bill is delivered to the customer automatically as an e‑invoice in the Finvoice format. There’s no address data to maintain, and the customer doesn’t need an e‑invoicing agreement.
Faster payments
Customers typically pay electronic invoices faster than paper bills, as the payment can be completed directly in their banking app.
Easy to set up
Siirto makes use of existing systems and doesn’t require a separate integration project. It is effortless to set up.
Our invoicing partners
Our billing partners
Siirto works with commonly used e-invoice operators using the Finvoice standard. Ask your service provider about the possibility of delivering invoices through Siirto.
Frequently asked questions
Find answers to the most common questions from corporate customers.
The easiest way to start using Siirto is to contact our payment service provider partners. This means your company doesn’t need a separate agreement with Siirto Brand Oy. Siirto is enabled through your payment service provider.
Siirto is available for billing through e‑invoice operators. Contact your e-invoice operator or Siirto, and we’ll help you from there.
Yes. Retailers and billers may, if they prefer, enter into a direct agreement with Siirto. In that case, your company handles the integration with Siirto’s interfaces directly.
Yes, both are fine. You can mention the Siirto partnership on your own website and use the Siirto logo, for example in customer communications. You can download the logo here: For the Media – Siirto.
Not really. Siirto doesn’t replace existing invoicing channels. It provides a service that makes it easier to deliver Finvoice e-invoices directly to consumers’ banking channels.
The API documentation is available in the Siirto API portal. Contact Siirto through the contact form, and we’ll enable the access rights you need.
Yes. We provide a test environment for customers who have signed an agreement, to support integration and implementation.
Get started with Siirto
Join over a million Finns. Activate the service in your banking app.
