Smartum partner price list

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)
  • automatically via mobile and online payments.

Benefit Payment method Service fee
Lunch Voucher 2.7%
Lunch Saldo* 2.7%
Exercise Voucher 4.5%
Exercise Saldo** 3.5%
Exercise and Culture benefit Voucher 4.5%
Exercise and Culture benefit Saldo** 3.5%
Massage Mobile payment 5%

*The primary payment methods with the Lunch Saldo are the Smartum payment card and SmartumPay mobile payment.

**Depending on the location, the payment methods with the Exercise and Culture Saldo are the Smartum payment card, 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.

Benefit Payment method Service fee
Lunch Voucher 1.65%
Lunch Card payment 1.975%
Lunch Mobile payment 1.25%
Exercise Voucher 3.7%
Exercise Card payment 3%
Exercise Mobile payment 2.95%
Exercise and Culture benefit Voucher 3.7%
Exercise and Culture benefit Card payment 3%
Exercise and Culture benefit Mobile payment 2.95%
Massage Mobile payment 5%

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