E-commerce pricing has three components: the platform, the build, and ongoing monthly costs. A single "e-commerce cost" figure is misleading: the real 12-month total cost is the metric that matters. This guide covers all three for the Finnish market in 2026.
1. The platform: Shopify, WooCommerce and custom
E-commerce platform monthly costs in Finland 2026
| Platform | Licence/mo | Transaction fees | Best for |
|---|---|---|---|
| Shopify Basic | $29/mo (~€27) | 2% + processor fee | Stores just starting |
| Shopify | $79/mo (~€73) | 1% + processor fee | Growing brands |
| Shopify Advanced | $299/mo (~€277) | 0.5% + processor fee | Scaling operations |
| Shopify Plus | from $2,300/mo | Negotiated | Enterprise |
| WooCommerce | €0 licence | No platform fees | Flexible customisation |
| Custom (Next.js + Stripe/Medusa) | €0 licence | Depends on payment processor | Product family, headless |
WooCommerce looks the cheapest, but you need hosting (€10 – €50/mo), an SSL certificate (usually free via Let's Encrypt) and paid plugins (€20 – €80/mo total). In practice the WooCommerce "free" licence translates to around €30 – €130/mo running costs. Shopify is faster to set up and ships with more out of the box, but its monthly fees + transaction fees scale up at higher volumes.
2. The build cost
E-commerce build pricing tiers
| Build | Price | Delivery | Includes |
|---|---|---|---|
| Template-based | €990 – €2,500 | 1 – 2 weeks | Theme, basic setup, no design |
| Starter store | €3,950 – €6,000 | 2 – 3 weeks | Custom theme, Paytrail, mobile UX |
| Growth store | €6,000 – €12,000 | 5 – 8 weeks | Custom design, integrations, analytics |
| Enterprise | €12,000 – €50,000+ | 10 – 20 weeks | Headless, ERP, B2B, multi-language |
3. Payment processor pricing: Paytrail, Klarna, Stripe
In Finland, most online shoppers expect to see OP, Nordea, S-Pankki, Danske and MobilePay at the checkout. Paytrail bundles all of these into a single contract: setup is €0, the monthly fee is €59 (Plus tier), and the transaction fee is around 2.5% + €0.35 per payment. Klarna and Stripe are options for international stores, but without Finnish online banking and MobilePay, conversion on the Finnish market is noticeably weaker.
Visio Design is an official Paytrail partner: you can sign the agreement through us and the payment integration is tested for conversion. In two recent migrations, our clients' average checkout conversion rose 18% when moving from Stripe to Paytrail.
4. Maintenance and growth costs
- Premium maintenance: €149 – €449/mo (Visio Design)
- Platform software updates: monthly on WooCommerce, automatic on Shopify
- Hosting: €20 – €100/mo for WooCommerce, €0 for Shopify
- Plugin and theme licences: €30 – €100/mo
- Payment processor transaction fees: 2 – 3% of revenue
- Marketing (Google Ads, Meta Ads, email): €100 – €5,000+/mo
Bottom line: what does an online store really cost?
A realistic starting budget for a new Finnish online store is €5,500 – €8,000 upfront and €250 – €500/mo running. That covers the build, Paytrail contract, maintenance and a basic marketing package. A custom enterprise build starts at €14,500 with €1,000+/mo running. Visio Design packages start at €3,950. Get a quote and we'll calculate your exact 12-month total.
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