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

Smartum charges its partners a service fee either

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

  • at three-month intervals in connection with subsequent invoicing (Smartum payment card, use has expired by the end of 2020)

  • automatically via mobile and online payments.

*The primary payment method with the Lunch Saldo is the SmartumPay mobile payment.

**Depending on the location, the payment methods with the Exercise and Culture Saldo are SmartumPay mobile payment and online payment.

(Prices valid until further notice, prices shown with VAT 0%. VAT 24% will be added to the prices from 1.1.2019 onwards.)

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.

(Prices valid until further notice, prices shown with VAT 0%. VAT 24% will be added to the prices from 1.1.2019 onwards.)

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

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