Pine & Cone logo
infrastructure

Pine & Cone

Pine & Cone (Pine & Cone Oy, Finland) offers SEPA Request to Pay (SRTP) solutions for invoicing, in-store, e-commerce and in-app payments. It sells a managed SRTP platform to banks, and SRTP processing to e-commerce PSPs, invoice operators and ERP vendors. It also processes Instant and Classic SEPA Credit Transfers, with Verification of Payee as an optional service.

Not a merchant acquirer — no applications Visit Website
Fees from
Custom pricing
Settlement
—
Coverage
1 country
Payment methods
3
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Pine & Cone before signing. Visit Website is an external link; we may earn a commission.

Pine & Cone overview

Best for

Banks, e-commerce PSPs, invoice operators and ERP vendors that want to add SEPA Request to Pay or SEPA credit transfer processing for their own customers.

Pine & Cone pricing & fees

Pricing structure

Pricing
Custom pricing
Your business must be registered in
Not disclosed

Pine & Cone settlement & payouts

Payouts

Settlement time
Not collected yet
Settlement currencies
Not collected yet

We haven't collected settlement details for Pine & Cone yet. Confirm payout timing and currencies directly with Pine & Cone before signing.

Pine & Cone API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Pine & Cone coverage & payment methods

Supported countries

1 country
FI

Payment methods

Bank TransferSepaSepa Instant

Pine & Cone licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

Pine & Cone Oy

Finland

Licenses

Payment Institution FI

Authorised Payment Institution / Exempted Payment Institution (FI)

Financial Supervisory Authority (Finland)

License numbers & register records

1 license number · 1 register record on file for Pine & Cone, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

Log in — it's free

Not sure Pine & Cone is the right fit?

Answer a few quick questions and get matched with providers that fit your business — free.