information:highlighting, structural:summarization
Finland

Most daily customer transactions are carried out with debit cards or online giro/electronic bill payment, although credit cards and cash are accepted. Checks are no longer used. Prior to European standardization, Finland had a national standard (pankkikortti = "bank card"). Physically, a pankkikortti was the same as an international credit card, and the same card imprinters and slips were used for pankkikortti and credit cards, but the cards were not accepted abroad. This has now been replaced by the Visa and MasterCard debit card systems, and Finnish cards can be used elsewhere in the European Union and the world.

An electronic purse system, with a chipped card, was introduced, but did not gain much traction.

Signing a payment offline entails incurring debt, thus offline payment is not available to minors. However, online transactions are permitted, and since almost all stores have electronic terminals, today also minors can use debit cards. Previously, only cash withdrawal from ATMs was available to minors (automaattikortti (ATM card) or Visa Electron).