Maksekeskus

Maksekeskus: A Practical Overview For Merchants

Maksekeskus is a payment service provider focused on e-commerce and POS payments in the Baltics and Finland, with card acceptance for global shoppers.

What Maksekeskus Does

Maksekeskus provides a unified checkout that combines bank payments across Estonia, Latvia, Lithuania, and Finland, card payments with Visa and Mastercard, Apple Pay and Google Pay, and selected pay-later options. It also offers modules for popular storefronts, a developer API, refunds, recurring payments, a payment link tool, donation forms, and optional POS terminals managed in the same back office.

Core Payment Methods

Bank Payments In The Baltics And Finland

• Coverage includes major banks across Estonia, Latvia, Lithuania, and Finland.

• Customers of N26 and Revolut can pay by bank payment as well.

• The default flow uses a payment initiation service with an automatic fallback to traditional banklinks if a partner bank experiences an outage. This adds resilience without merchant intervention.

Card Payments, Apple Pay, And Google Pay

• Visa and Mastercard card payments for international shoppers.

• Apple Pay and Google Pay are available when card payments are enabled.

• 3D Secure is supported to reduce fraud and chargebacks.

Pay Later Options

• Maksekeskus lists pay-later methods among its services. Availability depends on country and integration.

Recurring Payments And Tokenization

• Recurring card payments are offered for subscription use cases.

• Card data is handled on Maksekeskus infrastructure so merchants avoid storing sensitive data.

• Note that some hosted site builders may not support recurring payments via plugins. Check the platform-specific guidance before planning subscriptions.

Payment Links, Refunds, And Donations

• Payment links can be generated and sent directly or used on invoices.

• Refunds are available through the self-service portal and API.

• A donation form option is provided for non-profits and membership sites.

Geographic Coverage And Use Cases

• Merchants targeting Estonia, Latvia, Lithuania, and Finland who need strong local bank payment coverage.

• Cross-border sellers into the Baltics or Finland who want to add local bank options alongside cards and wallets.

• Businesses that value a single back office for e-commerce and in-store terminals, including reporting and payouts.

Integrations And Developer Options

Prebuilt Modules

Maksekeskus offers official modules for:

• WooCommerce

• Shopify

• Wix

• Voog

• Magento 2

• PrestaShop

• OpenCart

• Other supported platforms like Mozello, ShopRoller, Shoperb, MyCashFlow, and WebShopper

Notes shown on the modules page indicate development status for certain platforms. Review the current documentation for your platform and version support.

API And Test Environment

• A developer portal provides REST API documentation for shop configuration, payment methods, transactions, fees, account statements, and reporting.

• Test environment access is available for end-to-end QA before going live.

• The API includes endpoints such as Get Transaction List, Get Transaction Statement, and Get Account Statement for programmatic reconciliation.

Status Page

• A public status page publishes partner alerts and incident history, which is helpful for operations and support teams during bank outages or network incidents.

Compliance, Licensing, And Security

Regulatory Status

• Maksekeskus AS is licensed as a payment institution supervised by the Estonian Financial Supervisory Authority.

• The company holds permissions including payment initiation and account information services under PSD2.

• Company details on the site include legal name, registration code, VAT number, and headquarters address in Tallinn.

PCI DSS, 3D Secure, And Data Handling

• Maksekeskus states it is PCI DSS Level 1 compliant under the latest standard and routes card data through its infrastructure, not through the merchant’s systems.

• 3D Secure is implemented for card transactions.

• Terms and conditions require merchants that accept cards to follow PCI DSS and card-scheme security requirements while avoiding direct handling of card data outside the prescribed flows.

Onboarding, Eligibility, And Prohibited Goods

Merchant Requirements

Before activation, Maksekeskus expects merchants to:

• Operate a functional online store with clear product descriptions and pricing.

• Provide contact details, terms and conditions, shipping and return policies, and a privacy notice.

• Name Maksekeskus as a processor where applicable and follow the integration guidelines.

Prohibited Categories

Maksekeskus publishes a list of prohibited products and services. Examples include narcotics, CBD or hemp products, escort services, pornography, content inciting violence or racism, weapons, gambling and lottery, pawn services, fortune-telling, pyramid schemes, crypto, auctions, and tobacco. Merchants should review the current list in full during onboarding.

POS Terminals And Shipping Add-Ons

• For physical stores, Maksekeskus provides POS terminals that can be integrated with many POS systems. Settlements are made to your chosen bank account.

• E-commerce merchants can add Tarne+ and Tarne+ Pro to register shipments with carriers like Omniva, DPD, SmartPost, and LP Express, generate labels, and keep parcel machine lists updated.

Conclusion

Maksekeskus is a practical choice for merchants selling in Estonia, Latvia, Lithuania, and Finland who need local bank payments alongside cards and wallets, with optional POS and shipping add-ons. Its licensing, PCI DSS Level 1 posture, PSD2 services, and developer tooling make it straightforward to integrate and operate.