Accepting Edenred payment methods

By receiving Edenred's diverse payment methods, you expand your customer base and leverage their full purchasing power.

Flexible payments and seamless transactions

Edenred's comprehensive selection of employee benefits includes the most versatile payment methods on the market. With them, making, receiving, and settling payments is easy! You can specify which payment methods your location accepts in the Merchant portal.

Edenred card ›
Apple Pay and Google Pay ›
Online payments ›
Edenred Pay mobile payment ›
Lunch and Virike vouchers ›

Edenred Physical Payment Card, Apple Pay, Google Wallet, Apple Watch

Card payments

Edenred's Mastercard-based payment cards function like any other bank card, using a chip (without a PIN) or contactless payment (with a 50€ contactless limit). Our cards work with all payment terminals, and no signature is required for payments.

Under certain conditions, Edenred's payment cards can also be used for online payments; read more about it here.

Virtual and physical cards

Edenred offers users both physical and virtual payment cards, which can be added as payment methods in Apple Pay and Google Pay. Lounari and Virike can be used with both physical and virtual cards, while Massage, Transport, and Wellbeing can only be used with virtual cards.

Apple Pay & Google Pay

Apple Pay is a payment method for iOS devices (iPhone, iPad, and Apple Watch), and Google Pay is for Android devices, allowing payments at any contactless-enabled payment terminal. They work as payment methods for all our employee benefits.

Although payments are made through mobile devices, they function and are settled as card payments since Apple Pay and Google Pay require the addition of card details.

Making payments with Apple Pay and Google Pay

Settlement of card payments

The settlement of card payments is automated and does not require separate actions from the service provider. Settlements are paid by the card payment processor within 24–48 hours of the transaction, just like any payment made with a bank card.

Service fees for card payments are invoiced by Edenred once a month. Since card payments are not reimbursed by Edenred, the settlements cannot be viewed in the Merchant portal.

Edenred online payments

Online payments operate using Edenred's Mastercard-based payment card. During the payment process, the card details are added to the authentication information, including the cardholder's name, expiration date, PAN number, and CVC code.

As our partner, you can build Edenred's own payment pathway for credit card transactions and customize it with Edenred's colors and logo. Edenred payments are distinguished from other credit card payments by creating a unique Merchant Identification Number (MID) for them. In collaboration with the payment service provider, rules can be established to manage the sale of permitted and prohibited services in accordance with the guidelines set by the Tax Administration.

Woman making an Edenred Pay mobile payment on her hone on the checkout counter

Edenred Pay mobile payments

Edenred Pay is Edenred's own mobile payment method available through our Edenred app. This is cost-effective for service providers, as the payment does not include card authorization fees.

Edenred Pay can be used for payments related to lunches, sports, cultural activities, massage, and health services. Real-time tracking of payments occurs in the Merchant portal, and payments can be canceled within 24 hours of receiving them. There you can also activate email notifications for received mobile payments.

Receiving mobile payments

Payments made via Edenred Pay are made in the Edenred app and do not require any additional devices or cash register integration from the service provider. For detailed instructions, click here.

All service providers registered in the Merchant portal can accept Edenred Pay mobile payments. If you are part of our network but have not registered in the portal, you can register here.

Note! If you have specifically requested to disable Edenred Pay, please contact our customer service to reactivate it.

Settlement of mobile payments

Edenred pays the reimbursements of mobile payments to the service provider's bank account according to a monthly settlement schedule. You can track the paid settlements in the Merchant portal, and service fees will be automatically deducted from the amount to be paid.

Payments received from the 1st to the 14th of the month will be settled on the 16th of the same
month.
Payments received from the 15th to the 31st of the month will be settled on the 2nd of the following month.

Lunch and Virike vouchers

Paper vouchers are the most traditional payment method for employee benefits. Llike our other payment methods, they are intended for personal use only.

Edenred vouchers can be used to pay for lunches as well as sports and culture services like cash, but no change will be given back. If the value does not cover the total amount of the service, the remaining balance must be paid using another payment method.

The values of the vouchers change annually, and their validity can be checked in the upper corner of the voucher.

Settlement of vouchers

Vouchers should be sent for processing to the address below. Edenred will pay the settlements to the service provider's bank account within five business days of receiving the vouchers. You can track the paid settlements in the Merchant portal, and service fees will be automatically deducted from the amount to be reimbursed.

Please send the vouchers for processing regularly, as Edenred does not settle expired vouchers after a certain period.

Mailing address for vouchers:
Edenred Finland Oy, PL 5, 13101 Hämeenlinna

Pick-up service

We recommend settling vouchers using Edenred's 100% insured Pick-up service.

The Pick-up service is the safest, easiest, and most cost-effective way for you to settle the Lunch and Virike vouchers you have received. With the fully insured service, the vouchers will be picked up directly from your location at a time of your choosing.

Payment methods for our employee benefits

Lounari & Virike

Transport

Massage

Wellbeing

Our most popular benefits include all payment solutions

Edenred Pay

Apple Pay

Google Pay

Virtual card

Physical card

Paper vouchers

The benefit works with a virtual Transport card

Edenred Pay

Apple Pay

Google Pay

Virtual card

Physical card

Paper vouchers

This completely virtual benefit works as a mobile solution

Edenred Pay

Apple Pay

Google Pay

Virtual card

Physical card

Paper vouchers

This completely virtual benefit works as a mobile solution

Edenred Pay

Apple Pay

Google Pay

Virtual card

Physical card

Paper vouchers