MakeCommerce Payment Gateway



Magento Platform
Open Source (CE)
2.1, 2.3

Tech Specifications

Current Version:
Stable Build
17 January, 2020
Extensions, Payments & Security, Payment Integration
Supported Browsers:
Chrome Linux: 42, 43, 44 Mac: 39, 44 Windows: 39, 40, 42, 43, 44 Firefox Linux: 31, 38, 39, 40, 41 Mac: 31, 38, 39, 40, 41 Windows: 31, 38, 39, 40, 41 Opera Linux: 7, 7.1, 8, 9 Mac: 7, 7.1, 8, 9 Windows: 7, 7.1, 8, 9 Safari Linux: 7, 7.1, 8, 9 Mac: 7, 7.1, 8, 9 Windows: 7, 7.1, 8, 9 Edge Windows: 42 IE Windows: 10, 11, 8, 9
License Type:
GNU General Public License 3.0 (GPL-3.0)


Estonian, Latvian, Lithuanian and Finnish bank links and Visa/MasterCard payments without the need to sign contracts with multiple different banks.


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MakeCommerce is a payment service provider for ecommerce businesses operating mainly in the Baltics (Estonia, Latvia, Lithuania) and Finland. MakeCommerce is international brand of Maksekeskus AS. We offer bank-link payments of all major banks in Estonian, Latvian, Lithuanian and Finnish markets, plus credit card payments.

This extension allows you accept online payments in Magento 2 using the MakeCommerce/Maksekeskus Payment Gateway. With this extension, you can use close to 20 different payment methods to collect payments from the Baltics and Finland. In addition, you can use our Visa/MasterCard payment method to collect payments from all over the world. This covers all the needs of a modern online shopper in the Baltic and Finnish market. The extension is designed to be as native as possible allowing seamless integration with any design resulting in great customer experience.


Account & pricing

To use MakeCommerce extension, a separate account with MakeCommerce (Maksekeskus AS) is required. Installing the extension does not create MakeCommerce account. You can learn more about our services and sign up on

Installing and using the extension is free. A transaction fee is charged by MakeCommerce separately. Our standard pricing is 2.5% + 0.3€ per payment.  We have no contract or sign-up fees. See our pricing at Custom plans are available. 



Overview of functionality:

  • bank-links of all major banks in Estonia, Latvia, Lithuania, Finland. Full list of support bank links can be seen on MakeCommerce website.
  • credit-card payments (Visa, Mastercard) through MakeCommerce PCI DSS compliant card dialog (removes compliancy requirement from merchant)
  • customizable payment methods presentation  
  • payment country selector independant from billing/shipping address  
  • make full or partial refunds from Magento admin area


How it works

In order to use the services you need to sign up at 
After sign-up your shop is given credentials for API integration that are needed for the module to work.
You can also test out the module without signup, using test-shop credentials:

Shop ID = f7741ab2-7445-45f9-9af4-0d0408ef1e4c
API secret key = pfOsGD9oPaFEILwqFLHEHkPf7vZz4j3t36nAcufP1abqT9l99koyuC1IWAOcBeqt
API publishablekey  = zPA6jCTIvGKYqrXxlgkXLzv3F82Mjv2E

The module installation adds a payment method "Makecommerce" that you can enable and configure.
Plugin requires at least PHP 7.0 to function properly
Go to Stores->Configuration->Sales->Payment Methods to configure the MakeCommerce module.
Once you have put in the API credentials you can enable the Payment Method and see how it is presented in your check-out dialog.
You can then further fine-tune the UI settings in the module configuration to find the best combination for your shop layout.

Once enabled, on the check-out page a choice of bank-links and credit cards is offered for user for the payment.
The exact list depends on your Maksekeskus sign-up plan.
The payments are collected to Maksekeskus account and transferred to your bank account daily.
On credit card payments the sensitive card data is directly submitted via our PCI DSS compliant dialog.
No sensitive card data is passing your systems so you do not have to worry PCI compliancy.

You can also do refunds to the payments made through our Payment Gateway right inside Magento store admin interface.
You will find the "Refund" button in Credit Memo dialog of an Order's Invoice.

User Guide

Detailed user guide is available here: MakeCommerce Module for Magento 2



For Credit Card Payments we offer a solution where user submits the card data directly to the dialog from MakeCommerce (Maksekeskus).
The dialog is implemented as semi-transparent iFrame window on top of the shop’s checkout page.
The user perceives he/she has not left the checkout-page though in fact the dialog is from domain.

This approach is recognized by card networks as IFRAME solution that set the lowest PCI DSS compliance requirements on Merchant.

We do not accept any other form of credit card payments. Maksekeskus AS is listed as VISA Merchant Agent, MasterCard Payment Facilitator and is PCI certified.This approach ensures that credit card data do not pass through the Merchant systems and PCI DSS V3 SAQ-A attestation for the Merchant is not strictly required.

For bank links, redirect method is used.

No customer credentials for Bank-link payments or credit card payments  are sent to Magento server. Data regarding shipping (including recipient name, address, chosen method of shipping, etc) is stored on Magento.

MakeCommerce services are PCI DSS level 2 compliant. 


Banks Integrated

Estonia: Swedbank, SEB, Luminor, LHV, Coop Pank, Pocopay, Liisi ID, Inbank Slice, Finora Capital
Latvia: Swedbank, SEB, Citadele and Luminor
Lithuania: Swedbank, SEB and Luminor
Finland: Aktia, Ålandsbanken, Danske, Handelsbanken, Nordea, Oma Säästopankki, Pohjola, POP Pankki, S-Pankki, Säästopankki

Release Notes

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  • Compatible with Open Source (CE) : 2.1 2.3
  • Stability: Stable Build
  • Description:

    Corrected logo image path generation for payment methods


  • Compatible with Open Source (CE) : 2.1 2.3
  • Stability: Stable Build
  • Description:

    Payment method processing changed to support PayLater type.


  • Compatible with Open Source (CE) : 2.1
  • Stability: Stable Build
  • Description:

    Fix - switching between Live vs Test mode did not apply correct set of API keys


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The best place to start if you need help with a specific extension is to contact the developer. All Magento developers have both a contact email and a support email listed.

Q & A

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