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Bringing Apple Pay to Finland with St1 Way App

Qvik was among the first to bring Apple Pay to Finland by enabling St1 Finance’s mobile infrastructure and its Apple Pay integration.

When Apple Pay made wallet services and contactless payment possible for iPhone users in Finland, we were in the frontline.

St1 Finance is the finance company of St1 Nordic. When launched in 2017, St1 Finance offered Apple Pay compatible credit cards as one of its first services. Users can apply for the card through the St1 Way application and use the card immediately if the requirements are met.

The market share of iPhones in Finland is roughly 29 percent, so introducing Apple Pay made an impact on a significant slice of mobile users.

“Paying with Apple Pay is more secure than contactless cards because the payer can be authenticated with the phone’s fingerprint or facial recognition system”, says Matias Pietilä, Head of Design at Qvik. “There is no monetary limit on the purchases made by St1 Finance customers.”

“Finland has such a robust contactless payment infrastructure that adapting Apple Pay is easy for users”, Pietilä says.

The Apple Pay service can be used if the user’s card issuer is an Apple partner. If you have the right credit card, however, adopting the service could not be simpler. The function is automatically added to the Wallet app of compatible iPhones, and all you have to do is snap a shot of your credit card with the app. With the St1 Way application, the card can also be added to the app without a physical card.

“The number of Apple Pay compatible cards in Finland is limited, but you can easily get one through St1 Way without having to wait for a physical card”, Pietilä says.