# Pine & Cone — Payment Provider

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.

- **Listing status:** Unclaimed — researched from public sources
- **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.
- **Categories:** infrastructure, traditional
- **Countries served:** 1 (FI)
- **Payment methods:** bank_transfer, sepa, sepa_instant

## Legal & compliance

Legal entities:
- Pine & Cone 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/pine-cone#compliance.


Canonical page: https://paymentproviders.io/providers/pine-cone

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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)