I had similar problems with my Visa Debit card in Finland but Norway & Sweden were fine. I was told the machine wouldn't accept foreign credit cards.
In some towns in the north of Finland, it did seem like there were only unattended automated petrol stations available so I never let the tank get anywhere near reserve just in case I had to go on to the next town.
Have to second your comment about the attendants.  It was a pleasure to stop sometimes.
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