The world would be a better place if we could all deal with the Finns. If you send them an invoice which says payment within seven days, you will have your money within seven days. They are prompt payers and always pay to terms, which are normally within 30 days. Okay—there are a very few exceptions. Average payment days in Finland are 24 days.
The Finns are very naïve when it comes to understanding that the rest of the world does not operate in such an honourable way as they do. They are not used to having to chase money and, as they are not used to complaining in their every day lives, some nations really do take the Finns for a ride—but only once.
Although most deals will be signed and sealed officially, you will never need to doubt the word of a Finn. A handshake will seal the deal. The Finns are honest and respect integrity above all else. They will not double deal you. They are frank and open, and appreciate your honesty and frankness. You need not fear laying your cards on the table. But just be aware, that they are good and hard negotiators. After all, they are used to dealing with the Russians!