Joining the Smartum network is free. You only pay a service fee for the Smartum payments you have accepted. There are no hidden costs!

  • No annual fees or minimum settlement amount

  • If you wish we'll make the settlements every weekday without any extra costs

  • No additional charges for card payments

Smartum charges its partners a service fee either:

  • at the time of the settlement of the vouchers, or

  • automatically via SmartumPay and online payments.

BENEFIT

PAYMENT METHOD

SERVICE FEE

Lunch

SmartumPay, online payment and voucher

2,7 %

Exercise

SmartumPay, online payment and voucher

4,5 %

Exercise and culture

SmartumPay, online payment and voucher

4,5 %

Massage and physiotherapy

SmartumPay and online payment

5 %

Commute

SmartumPay and online payment

3,5 %

(Prices valid until further notice, prices shown with VAT 0%. VAT 24% will be added to the prices)

In March 2018, The Finnish Hospitality Association MaRa and Smartum have agreed on a five-year cooperation contract on the lunch, exercise and culture benefit payment instruments. In the Smartum network, MaRa members will receive a considerable discount on the Smartum service fees. You must be a MaRa member to qualify for the prices below.

BENEFIT

PAYMENT METHOD

SERVICE FEE

Lunch

Voucher

1,65 %

Lunch

SmartumPay and online payment

1,25 %

Exercise

Voucher

3,7 %

Exercise

SmartumPay and online payment

2,95 %

Exercise and culture

Voucher

3,7 %

Exercise and culture

SmartumPay and online payment

2,95 %

Massage and physiotherapy

SmartumPay and online payment

5 %

Commute

SmartumPay and online payment

3,5 %

(Prices valid until further notice, prices shown with VAT 0%. VAT 24% will be added to the prices)

Service fees for bank and credit card payments via the Stripe payment intermediation service: 2% + € 0.40 / transaction

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