# Holvi — Payment Provider

Holvi Payment Services Oy is a Finnish authorised payment institution that offers business accounts with local IBANs in Finland, Germany and Austria, along with company cards, international transfers, invoicing and e-invoicing, and bookkeeping preparation. In Finland, account holders can also run a ready-made online store where customers pay by card or Finnish online banking, and the money goes straight into the Holvi account.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Freelancers, founders and small businesses in Finland, Germany or Austria that want a business account with invoicing, cards and bookkeeping prep, plus (in Finland) a simple online store.
- **Fees:** Online store: "You only pay 2.5% of your completed sales, with no other costs"
- **Fee model:** flat-rate
- **Categories:** regional
- **Countries served:** 3 (AT, DE, FI)
- **Payment methods:** credit_card

## Legal & compliance

Legal entities:
- Holvi Payment Services Oy — Finland — licenses: Payment Institution, FI, FIVA

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/holvi#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=holvi&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/holvi

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)