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, 80% of e-commerce customers expect to see OP, Nordea, S-Pankki, Danske and MobilePay at the checkout. Paytrail bundles all of these into a single contract — €0 setup, €59/mo (Plus tier), and a transaction fee of around 2.5% + €0.35 per payment. Klarna and Stripe are options for international stores, but missing Finnish online banking and MobilePay hurts conversion by 15 – 30% on the Finnish market.
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.
Get an exact 12-month total budget
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