Making Finnish language pack...

[heidikfi]

Paypal has no set up fees. And customer can use Visa Electron which is a card that will be obligatory if not using pankkikortti.
Also other credit cards. Fees approx 0,35€ + 3,4% in the beginning.

That's why I've used it until now. I'm looking for someone who provides me with an affordable way to take bank transfer payments, not credit cards. A service with no setup fees and no monthly payments. Anyone?

[procella]

That's why I've used it until now. I'm looking for someone who provides me with an affordable way to take bank transfer payments, not credit cards. A service with no setup fees and no monthly payments. Anyone?

No setup fees and no monthly fees?with that you will not get much of service. you have to make yourself.
How about simple ennakkomaksu? whats the difference between that and what you want?
have you seen my ennakkomaksu?
garudakauppa.fi

[heidikfi]

If you mean advance bank transfer payment, I've used the Eurostandardtransfer module for that inside the Euro area. I've also used the Postiennakko (COD) for Finnish customers. I've been lucky, everyone has actually bought who used it. Go have a look.

The bank payment button setup fees would cost more than my annual sales, so I'd rather use a system that's debited per transaction. PayPal gets expensive for small product prices; they take more than 10 % of my download pattern prices, and for EU customers I have to add 22 % VAT on top of that to include the cost in the product price. But that's still reasonable compared to the Finnish alternatives.

[procella]

I dont meen Postiennakko, I think that is too risky. I have one shop though, that has it as an option and it works fine but if it is more common products then people don´t care about our loss.

I do meen similar to advance bank transfer payment.
I´ve made a simple system. When the customer chooses Ennakkomaksu on my site they get the information how to make the payment.
First directly in the confirmation page and then later in their email and also in their zen cart account is a bill kind of page where the information is. Everything works automaticly.
Then they open their net bank and makes a transfer as in any other payment of bills normally.

This bank button is kind of over charged. The customers have log in to the bank anyway. a bank button is like a link and not much else. Except it fills in the transfer form an no copy pasting needed.
but copy paste and writing is not a big deal I think. All people in Finland do that every day.

[pasi]

I also have a "tilisiirto" module that sends the payment info to the customer in an email (+ the customer gets a PDF invoice with the details) and in the checkout success page I have links to all the bank visible (if the customer selected tilisiirto that is)

There are no services without setup fees in Finland.... everything costs too much for small webshops to be an option.

One option is the new Kreditor service. They've been active in Sweden and are now setting up things in Finland.

And about the buttons... they are not included because they are template specific. Who ever creates your layot, should create the buttons!

[procella]

Are you willing to share the tilisiirto module?
I have made my own tilisiirto (I call it ennakkomaksu) "module" but it is rather clumsy. I only made it because i couldn´t find any suitable

What comes to Kreditor it is possible a very good option. Anyway it cost some money, but migth increase sale.

www.garudakauppa.fi

[ellivir]

Hi,

I uploaded luottokunta payment module few days a go. Its the updated version which works with the new HTML-API(it changed a little bit last year). Its tested on live shop with no problems.

Module can be found here.

Hi,
tried this luottokunta module but when testing it, jumps all the time from the confirmation page back to the checkout page 2.
What could be the problem? Luottokunta won't give any test codes until you pay in advance (they are sick IMHO).
Anyway tested with some borrowed codes existing but the same results: jumping back from the confirmation page.

Elli

[cahva]

It goes back to checkout page 2 which is the FailureUrl. You cant just test this with any borrowed codes because the site which uses the code is also in the settings in luottokunta and if the site is not the same, the code wont work.

[ellivir]

Aha, interesting... wanted to test this before being FORCED to buy either test codes or real ones...
I was using exactly the module from the Add-ons of ZC, so is that one working without problems in actual life? I would just like to know before I invest money on it.

Elli

Hi,

I uploaded luottokunta payment module few days a go. Its the updated version which works with the new HTML-API(it changed a little bit last year). Its tested on live shop with no problems.

Module can be found here.

It goes back to checkout page 2 which is the FailureUrl. You cant just test this with any borrowed codes because the site which uses the code is also in the settings in luottokunta and if the site is not the same, the code wont work.

[pasi]

For those wanting credit card payments in Finland, use PayPal ... I was supprised how many customers are willing to pay with it ... a bit higher comission per order, but no insane monthly fees...

Luottokunta isn't really small business friendly and testing any code with their service is made impossible!