Found the American. Just as a heads up. We don't tip the cleaner. Or anyone else. And while Finland doesn't have minimum wage, collective agreements specify minimum pay rates so the cleaner will always be paid a liveable wage.
In Denmark, I'm much more likely to have the card payment machine prompt for a tip if the waiter thinks the group is foreign. Otherwise, they often press "Nej" themselves.
Specifically American tourists get confused if there is no tip possibility offered with carding machines.
Am I doing it wrong?
Exceptions are when you spend a long time and things (service, ambiance, whatever) stand out to you and your party: then feel welcome to tip whatever you like.
But an important observation is that here money is respected. 0,10 0,50 1,00 it is all treated with respect. This is why "overtipping" is frowned upon.
Its... weird.
I wonder if it is not some form of US cultural influence. We see people tipping in series, films and such and start to do it to.
Same is happening with Halloween now.
But if somebody finds money and nobody accepts it, "that's your tip now" is not un-Finnish at all.