Well I use Paypal for international payments. very Few finnish visa electrons work, or accept internationally.
register -> enter credit card info -> buy from a site that use paypal -> pay using paypal -> paypal gets the money from your card and sends it forward to the seller
the payment to the seller is instant, but it takes few working days for paypal to get the money from your card.
and there are some sellers, like on ebay, that only accept paypal, because its safer and sellers know for sure that they get the money.