Maksupalvelutunnisteiden

Maksupalvelutunnisteiden (MPT) are unique identifiers used in Finland to facilitate electronic payments and transactions. They are assigned to individuals and businesses by the Finnish Tax Administration (Vero- ja tuloverohallinto) and are used to verify the identity of the payer and the payee in electronic payment processes. MPTs are essential for ensuring the security and accuracy of electronic payments, as they help prevent fraud and errors in transactions.

The MPT system was introduced in Finland in 2017 as part of the country's efforts to modernize its payment infrastructure and reduce the use of paper-based payments. The system is based on the European SEPA (Single Euro Payments Area) standards and is compatible with other SEPA-compliant payment systems.

MPTs are typically 18 digits long and are structured in a specific format. The first two digits indicate the country code (FI for Finland), the next two digits indicate the type of identifier (01 for MPT), and the remaining 14 digits are a unique identifier assigned to the individual or business.

MPTs are used in a variety of electronic payment processes, including direct debits, standing orders, and online payments. They are also used in the electronic invoicing system, which allows businesses to submit invoices electronically to the Finnish Tax Administration.

The use of MPTs has been voluntary for individuals and businesses, but it has become increasingly important as the use of electronic payments has grown. The Finnish Tax Administration has been working to promote the use of MPTs and to provide support to individuals and businesses in adopting the system.