As a general rule, the provision of payment services requires an authorisation that may only be granted to a legal person whose registered office is in Finland. Exemptions from the authorisation requirement (§ 7 and 7a of the law) are only applicable to Finnish residents and legal persons with their head office in Finland. For an English translation of the law, see: https://www.finlex.fi/en/laki/kaannokset/2010/en20100297.pdf