Finland Mobile Billing and Messaging Overview


Billing Type: LC   MT billed.

Subscriptions: Yes   DO required.

Micropayments: Yes

Shared Price Points: €0.50, €1.00, €1.50, €2.00, €2.50, €3.00, €4.00, €5.00.
€20 on DNA only.

Dedicated Price Points: €0.25, €0.30, €0.35, €0.40, €0.45, €0.50, €0.55, €0.60, €0.65, €0.70, €0.75, €0.80, €0.85, €0.90, €0.95, €1.00, €1.10, €1.20, €1.30, €1.40, €1.50, €1.60, €1.70, €1.80, €1.90, €2.00, €2.50, €3.00, €4.00, €5.00.
Available up to €60 on request.

Standard rate Price Points: Not available.

Regulator: Finnish Communications Regulatory Authority (FICORA)

Approvals/Fees Required: Yes   Service must be submitted for approval.

Country Info

Population: 5,509,717

Subscribers: 7,700,000

Mobile Penetration Rate: 52.53%

Average Individual Income: $29,374

VAT Rate: 24%

Withholding Tax: 14% - 10%

Network Information:

Carriers: Subscribers: Market Share:
Elisa 2,900,000 40.80%
Sonera 3,186,000 33.58%
DNA 2,412,000 25.62%


Regulation Overview

Regulator: Finnish Communications Regulatory Authority (FICORA)

Regulator Website:

Code of Conduct: MAPEL Regulations

Opt-in Possibilities

Web (PIN) Opt-in: Yes

WORAR (Requiring a Reply): Yes   User must reply with 'OK'.

Single MO Shortcode Opt-in: Yes

In-app Billing: Yes

Multi-billing - Are you able to send multiple MOs?: No

Multi-billing - Are you able to send multiple MTs?: No

Permitted Content

General Content Restrictions: CHAT: Adult chat must run on a dedicated adult code.

Recommend sending an informational message to users before the billing commences.

Adult Permissible: Yes   All types. Dedicated adult short code required (179***). Not allowed via Mobilepayments (DCB).

Mobile Gambling /mCasino (Real money): No

Sportsbook (Real money): No

Virtual Gambling (Virtual credit): Yes

Lottery (Real money): No

Competitions: Yes   Approval varies depending on type of competition.

Voting: Yes

Chat: Yes   Sessions allowed.

Mobile Content: Yes

Info Messages: Yes

Alerts: Yes   Requires approval.

Physical Goods: Yes   Requires operator approval, only available on specific number range.

Calling Services: No

Charitable Services: Yes

Message Flow

Language: Finnish

Double Opt-in: For subscriptions:
Before the beginning of the actual subscription and before any billing, the user must receive and answer the following which must be sent in the following format:

Vahvista viihde-kestotilaus.Hinta X€/kk.Lopetus:Viesti STOP numeroon OK jos haluat tilata palvelun.Säilytä tämä viesti

The subscription can start only after the end-user has confirmed it by sending ”OK” by SMS.

Welcome: A welcome message should be sent, confirming the subscription is activated and include the price, how to cancel and support details.

Reminder: The Service Provider must send to the subscriber a free reminder message 24 hours prior to the new subscription period, which includes the following information:

1. Name of the Service
2. How to stop the service

Spend Limits

Maximum Transactional Value: €60

Subscriptions Limit: No known limit.   Pricing can be done freely and is defined by the service provider.

Daily Billing Limit: No limit

Weekly Billing Limit: No limit

Monthly Billing Limit: €300 for 30 days per MSISDN.

Customer Care

Minimum Type Required: Local Call-Centre

Promotions/Message Language: Finnish must be used.

Miscellaneous Items

Mandatory Keywords: OK for subscriptions, STOP


Available Technologies

Premium MO SMS: No

Premium MT SMS: Yes

WAP Billing: Yes   Available on Elisa/ Saunalahti, Sonera (Integration required)

Direct Operator Billing: Yes   Approval required and on a case by case basic.

MSISDN Forwarding: Yes   Available on Elisa, Saunalahti and Sonera. Elisa, Saunalahti payment screen provided.

IVR Billing: Yes

Number Lookup (HLR): Yes

Number Lookup (VLR) /(RTLU): Yes

VSIM/Longcode: Yes

Bulk SMS: Yes

Push Messaging: Yes

USSD Messaging: No

USSD Menus (Sessions): No


Premium Shortcodes: 5 digit codes, beginning with 17 (17xxx).

Adult Shortcodes: 6 digit codes beginning with 1.

FreeText Shortcodes: No

Golden/Vanity Numbers Available?: No

Charity Shortcodes: No

Direct Carrier Billing

DCB Type: MSISDN Forwarding, Pure DCB

MO required?: No

MT Required?: No

Flexible price points: Yes, similar to SMS.

Supported networks: Sonera.

Bulk Messaging

Alpha sender ID: Yes

Numeric sender ID: Yes

Alpha numeric sender ID: Yes

Shortcode sender ID: Yes

Sender IDs filtered: No

Handset Delivery reports: Yes

SMSC Delivery report: No

Binary: Yes

Concatenated Messages: Yes

Character Encoding: Yes   Full SMPP v3.4

Character Sets Supported: Yes   0×00(Default GSM encoding), 0×01(US-ASCII), 0×02(Binary), 0×03(ISO8859-1-Latin-1), 0×04(Binary), 0×08(UCS2/UTF-16BE)

Submit_multi: Yes

Maximum validity periods: 48 hours   Which is the recommended value.

Traffic type exclusions?: No exclusions other than no illegal services or content.