Maksulinkit

Maksulinkit are internet-based payment links that merchants can generate to request a payment from a customer without requiring the customer to navigate a full storefront. The term combines maksua (payment) and linkit (links) in Finnish. They are typically hosted by a payment service provider or e-commerce platform and can be sent by email, SMS, or chat.

The typical workflow involves the merchant creating a payment link for a specific amount or invoice, optionally including order details or a description. The link is delivered to the customer, who clicks it and is directed to a hosted payment page where they enter payment details and authorize the transaction. The provider handles card data or digital wallet information; upon completion, both merchant and customer receive confirmation, and the payment status is updated in the merchant’s system. Some implementations support multi-currency payments, tax calculation, and automatic reconciliation with accounting software.

Use cases and benefits include asynchronous, remote, and invoice-based sales. Maksulinkit simplify checkout for customers who are paying after a service or delivery, reduce payment friction, and improve cash flow by enabling quick settlements. They also integrate with invoicing workflows and can be embedded in emails, service portals, or messaging apps.

Security and considerations emphasize that links should be unique, time-limited, and accessed via HTTPS. Card data is typically processed on hosted pages to align with PCI DSS guidelines, reducing the merchant’s exposure to sensitive information. Merchants should avoid pre-filling sensitive data, monitor for phishing, and provide clear invoice details and receipts.

Regional context: Maksulinkit are common in Finland and other Finnish-speaking markets as part of digital payment ecosystems offered by various payment service providers and platforms.