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Siirto has more than 1 million users

In addition to reaching a high number of satisfied Siirto consumer users, Siirto will provide you with the following additional benefits: 

  • Siirto payments are primarily real time*
  • Utilise a safe, Finnish payment solution where all users are strongly identified
  • Offer an easy payment option – all customers need is a mobile phone and a Siirto supporting app
  • Avoid handling of cash and time spent on refunding customer
  • Minimise exposure to risks by eliminating cash

Siirto for Corporates is an easy solution that is cost efficient, easy to implement and saves time.

* The time it takes for a Siirto payment to arrive depends on the payer’s and payee’s banks. Siirto payments between Nordea and Osuuspankki are made in real time. Siirto payments between two S-Bank accounts are made in real time. Other Siirto payments, for example from Nordea to S-Bank or Ålandsbanken, are considered regular SEPA payments, which usually take one banking day to arrive in the payee’s account.

Nordea’s Siirto app is available for the customers of Nordea, Osuuspankki, S-Bank and Ålandsbanken.

Siirto can be used in various ways

For example online, and with or without terminals. Whatever your need, we will provide you with a solution that is safe, fast and easy to use. 

Pay out
Without a payment terminal
Payment terminal
Online
Invoice

Pay out

Transfer money to customers in real-time and without needing to use bank account numbers.*

  • Fast way to pay or refund customers 
  • Money instantly transferred to customers* 

Key benefits: 

  • Real-time payments to your customers´ bank accounts 
  • No need to handle bank account numbers – only mobile number needed
  • Possibility to verify customers age while making payment 
  • Refunds done through same channel  

Without a payment terminal

Capture every sales opportunity by offering a payment solution that is always available – no payment terminal needed. Siirto is suitable for businesses of all sizes, including associations and charity organisations, sports clubs and schools. 

  • Get rid of or reduce the use of physical cash 
  • Remove risk of robbery 
  • Eliminate need for payment terminals and extra costs associated with cash 
  • Never miss a sale because a customer does not have cash or a card

Key benefits: 

  • Money instantly available in your account* 
  • Easy and fast way to pay from bank account 
  • QR codes make paying effortless
  • No need to manage or deposit cash, or risk losing it 

Payment terminal

Provide easy and secure Siirto payments as an alternative to other payments options.  

  • Never miss a sale because a customer does not have cash or a card
  • Save time by speeding up payment processing
  • Enable customers to pay in advance

Key benefits: 

  • Money instantly available in your account* 
  • Connect to own or 3rd party platform to enable self-service payments
  • Easy and fast way to pay from bank account
  • Easy and secure refunding 

Online

Provide easy and secure Siirto online payments to increase sales and customer satisfaction. 

  • Increase conversion rate and sales
  • Offer a quick and easy payment option 
  • Easy integration

Key benefits: 

  • Money instantly available in your account*  
  • Easy and fast way to pay from bank account 
  • Bank secured customers - all users strongly identified   
  • Possibility to verify customers age while making payment 
  • Easy and secure refunding

Invoice

Enable customers to pay invoices with Siirto and get access to funds quicker while lowering the rate of late payments.

  • Reduce the amount of late payments
  • Improve and accelerate your cashflow
  • Increase customer experience 
  • Offer a sustainable solution

Key benefits: 

  • Money instantly available in your account*  
  • Easy and fast way for consumers to pay 
  • Utilise Siirto/Strålfors invoicing setup or Siirto QR codes
  • Bank secured customers - all users strongly identified   
  • Easy to refund customers 

Siirto for Corporates -solutions

Siirto (Interface solution)

Businesswoman using digital tablet in office smal

Siirto interface solution is used for merchant initiated payments.    

  • For corporates of all sizes looking for easy API integration and efficient automatisation 
  • Enables automating payment flows – for getting paid or refunding and support for related bookkeeping 
  • Suitable for corporates that need to pay to their consumer customers in an efficient way without the need for the receivers bank account details 
  • Can alternatively be integrated through a PSP (e.g. Verifone) or through a 3rd party (e.g. Yonoton, Postnord-Strålfors, Salaxy)

Siirto (Acquisition solution)

Online shopping from cafe small overlay

Siirto acquisition solution is used for consumer initiated payments.  

  • For businesses of all sizes interested in a easy solution that does not require integration
  • Perfect for associations and charities, e.g. collecting donations, or sports clubs and schools
  • No setup or monthly fees – only a transaction based fee
  • Can be used anywhere - no payment terminal needed 
  • Quick and easy payments with help of a Siirto-QR-code 
  • Enables customers to pay invoices fast, easy and error free
Service descriptions
Terms and conditions
Start using
Siirto button
Material

Start using

If you want to start using the Siirto for Corporates services, your company must make an agreement with the bank on the Siirto for Corporates and if necessary, additional payment services.

Please contact your cash management advisor or Nordea’s corporate customer support. 

Material

Siirto-QR-code

Corporate may generate an own Siirto-QR-code to speed up the purchase process at the sales counter. The Siirto-QR-code generator creates a QR-code that can be copied into corporate’s own sales material.

The Siirto-QR-code contains the receiver’s Siirto-identifier, and optionally also a message and an amount (payer can enter own amount, if amount is not provided in the QR-code).

Siirto poster

Siirto poster tells to your customers about the possibility of paying the purchases by mobile payment through Siirto mobile app. The poster also provides instructions on how to download the Siirto app for your phone.

Print the Siirto poster and write your Siirto number on it to receive Siirto payments.

Siirto poster 1

Siirto poster 2

Siirto poster 3

Siirto poster 4

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