Pine & Cone Oy (“Pinecone”) is a Payment Institution supervised by the Finnish Financial Supervisory Authority, specializing in advanced financial technology solutions.
As a forerunner in SEPA Request-to-Pay, we were the first member of the SRTP scheme with a connection to the EBA Clearing R2P system since its inception. We also participated in the EBA Clearing Request-to-Pay Proof of Concept alongside other European financial institutions.
We are Finnish, founded and funded by payment professionals from Finland, Sweden and Germany. Our solution is ISO 27001 certified and fully compliant with the General Data Protection Regulation (GDPR) and the Digital Operational Resilience Act (DORA) regulations.
In addition to SEPA Request-to-Pay services, we provide EBA Clearing integration services to banks and money movement and management services to corporates.
Pinecone Lead Team
Hanna Harjuvaara
CEO, Co-Founder
hanna.harjuvaara@pinecone.team
+358 50 556 3818
Sami Karhunen
CBDO, Co-Founder
sami.karhunen@pinecone.team
+358 50 535 0505
Janne Ruskeeniemi
CTO, Co-Founder
janne.ruskeeniemi@pinecone.team
+358 44 325 3205
Contact Us
Pine & Cone Oy
Konepajankuja 1
00510 Helsinki
Finland
VAT number FI27793522
LEI 74370045F1MCE3UWF477
EUID FIFPRO.2779352-2
Pine & Cone 