PayPal
Free
PayPal as payment intermediary Viva Wallet
Google Pay
Free
Google Pay as a payment intermediary for Viva Wallet
Payment cards
Free
Visa, Master Card, American Express, Diners Club, Maestro, JCB, etc.
Online banking
Free
Aktia, Ålandsbanken, Danske Bank, Handelsbanken, Nordea, Oma SP, Osuuspankki, POP Bank, S-Pankki, S-Bank
Paytrail Oy (2122839-7) is a payment and financing service for online bank payments, provided in cooperation with Finnish banks and credit institutions. Paytrail Oyj purchases the payment and settles it with the merchant. From the user's point of view, the service works just like a traditional online payment.
The online merchant only acts as a marketer of products and services and also delivers the products to the buyer. Paytrail Oyj is responsible for complaints. The seller is responsible for all obligations related to the transaction. Paytrail Oyj is also the payee of the payment.
Paytrail Oyj
TIN: 2122839-7
Innova 2
Lutakonaukio 7
40100 JYVÄSKYLÄ
Phone: 0207 181830
The online merchant only acts as a marketer of products and services and also delivers the products to the buyer. Paytrail Oyj is responsible for complaints. The seller is responsible for all obligations related to the transaction. Paytrail Oyj is also the payee of the payment.
Paytrail Oyj
TIN: 2122839-7
Innova 2
Lutakonaukio 7
40100 JYVÄSKYLÄ
Phone: 0207 181830
Debit or credit card
Free
Visa, Visa Electron, Master Card
Online Payment is made through the Paytrail Plc website. Payments with the most common debit and credit cards. The merchant acts only as a marketer of products and services and also delivers the products to the buyer. Paytrail Oyj is responsible for all complaints.
Paytrail Oyj acts as the seller of the product for payment card payments and the transaction is between the customer and Paytrail Oyj. The seller is responsible for all obligations related to the transaction. Paytrail Oyj is also the recipient of the payment.
Paytrail Oyj
Company ID: 2122839-7
Innova 2
Lutakonaukio 7
40100 JYVÄSKYLÄ
Phone: 0207 181830
Paytrail Oyj acts as the seller of the product for payment card payments and the transaction is between the customer and Paytrail Oyj. The seller is responsible for all obligations related to the transaction. Paytrail Oyj is also the recipient of the payment.
Paytrail Oyj
Company ID: 2122839-7
Innova 2
Lutakonaukio 7
40100 JYVÄSKYLÄ
Phone: 0207 181830
Mobile payment
Free
MobilePay, Pivo, Siirto
Mobile payment is an easy, fast and popular payment method.
Paytrail Oyj acts as the seller of the product and the transaction is between the customer and Paytrail Oyj. The seller is responsible for all obligations related to the transaction. Paytrail Oyj is also the recipient of the payment.
Paytrail Oyj
TIN: 2122839-7
Innova 2
Lutakonaukio 7
40100 JYVÄSKYLÄ
Phone: 0207 181830
Paytrail Oyj acts as the seller of the product and the transaction is between the customer and Paytrail Oyj. The seller is responsible for all obligations related to the transaction. Paytrail Oyj is also the recipient of the payment.
Paytrail Oyj
TIN: 2122839-7
Innova 2
Lutakonaukio 7
40100 JYVÄSKYLÄ
Phone: 0207 181830
Apple pay
Free
Apple Pay as a payment intermediary Viva Wallet
Walley Invoice / Instalment
Invoicing surcharge
Pay all at once or in instalments, at a rate of your choice. Walley will add an extra €3.80 to your bill.
Economy and choice - pay in one lump sum or in instalments, at the pace of your choice
Invoice and credit cards give you more time to pay for your online purchases. They allow you to wait for your order to arrive before you pay for it. You can pay all at once with an invoice or in smaller instalments with an overdraft, allowing you to pay the amount that suits you best each month, spread over a period of up to 36 months.
Free payment time with an invoice - secure and easy shopping
You always get 45 days interest-free payment time for your online purchases. The long payment period allows you to check your purchase and, if necessary, return it before the invoice is due.
To take advantage of the payment period, you need a positive credit decision, which is easy to apply for at the time of purchase. You can apply for it if you are at least 18 years old and have a Finnish personal identity code and a permanent, official home address in Finland. Your credit history will also be checked in Bisnode Finland Oy's register.
The payment method can be used for purchases up to €5 000.
Once you have received a positive credit decision and confirmed the purchase, you will receive an invoice for your purchase by email. If you wish to pay your invoice in smaller instalments and with a payment period that suits you better (1-36 months), you will need to sign a revolving credit agreement with Collector Bank AB by logging in to MySite at my.walley.fi. Upon signing the credit agreement, you will be granted a credit limit which will be available for future purchases in accordance with the credit terms and conditions.
If you have a valid credit agreement, you will only have to pay the minimum amount indicated on the invoice you receive by the due date, but you may choose to pay a higher amount if you wish. You will then receive a monthly statement by e-mail until the credit is paid in full. If you wish, you can always repay your credit in instalments above the minimum amount indicated on your statement.
Credit costs and example of credit: The online shop is subject to promotional conditions, with an interest rate of 19.2% expressed as a nominal annual interest rate and a monthly fee of €2.95 per month (€3.80 on the first invoice). If the credit limit granted is €1 000 and it is used in full for purchases made in the online shop under the name of the TRADE COMPANY, and the credit is repaid within 36 months, the annual percentage rate of charge is 28.6%, the total cost of the credit is €403, the total amount to be paid is €1 403 and the number of instalments is 36. Late payments will be subject to the statutory reminder and recovery charges, plus interest for the period of delay.
Terms of credit
The invoice and credit are issued by Collector Bank AB, organisation number 556597-0513, registered holder of the Walley trademark.
Lilla Bommens Torg 11, Box 11914, SE-404 39. For more information www.collector.fi
For full terms and conditions and details of Walley Invoice and Overdraft, please visit the following links:
For a more detailed service description, please visit https://www.walley.en/customer-service/
General terms and conditions for invoice and overdraft: https://cdn.walleypay.com/terms/Terms_FI.pdf
Standard European Consumer Credit Terms and Conditions: https://cdn.walleypay.com/terms/SECCI_FI.pdf.
Invoice and credit cards give you more time to pay for your online purchases. They allow you to wait for your order to arrive before you pay for it. You can pay all at once with an invoice or in smaller instalments with an overdraft, allowing you to pay the amount that suits you best each month, spread over a period of up to 36 months.
Free payment time with an invoice - secure and easy shopping
You always get 45 days interest-free payment time for your online purchases. The long payment period allows you to check your purchase and, if necessary, return it before the invoice is due.
To take advantage of the payment period, you need a positive credit decision, which is easy to apply for at the time of purchase. You can apply for it if you are at least 18 years old and have a Finnish personal identity code and a permanent, official home address in Finland. Your credit history will also be checked in Bisnode Finland Oy's register.
The payment method can be used for purchases up to €5 000.
Once you have received a positive credit decision and confirmed the purchase, you will receive an invoice for your purchase by email. If you wish to pay your invoice in smaller instalments and with a payment period that suits you better (1-36 months), you will need to sign a revolving credit agreement with Collector Bank AB by logging in to MySite at my.walley.fi. Upon signing the credit agreement, you will be granted a credit limit which will be available for future purchases in accordance with the credit terms and conditions.
If you have a valid credit agreement, you will only have to pay the minimum amount indicated on the invoice you receive by the due date, but you may choose to pay a higher amount if you wish. You will then receive a monthly statement by e-mail until the credit is paid in full. If you wish, you can always repay your credit in instalments above the minimum amount indicated on your statement.
Credit costs and example of credit: The online shop is subject to promotional conditions, with an interest rate of 19.2% expressed as a nominal annual interest rate and a monthly fee of €2.95 per month (€3.80 on the first invoice). If the credit limit granted is €1 000 and it is used in full for purchases made in the online shop under the name of the TRADE COMPANY, and the credit is repaid within 36 months, the annual percentage rate of charge is 28.6%, the total cost of the credit is €403, the total amount to be paid is €1 403 and the number of instalments is 36. Late payments will be subject to the statutory reminder and recovery charges, plus interest for the period of delay.
Terms of credit
The invoice and credit are issued by Collector Bank AB, organisation number 556597-0513, registered holder of the Walley trademark.
Lilla Bommens Torg 11, Box 11914, SE-404 39. For more information www.collector.fi
For full terms and conditions and details of Walley Invoice and Overdraft, please visit the following links:
For a more detailed service description, please visit https://www.walley.en/customer-service/
General terms and conditions for invoice and overdraft: https://cdn.walleypay.com/terms/Terms_FI.pdf
Standard European Consumer Credit Terms and Conditions: https://cdn.walleypay.com/terms/SECCI_FI.pdf.
Flexibility Invoice & Instalment
Invoicing surcharge
Flexibility gives you 30 days interest-free payment time. Flexibility adds a 2,90 € surcharge to your invoice.
Flexible invoice and instalment payment is a domestic service that allows you to make your purchases quickly and securely. Flexusto is for individuals who have managed their finances properly.
Justo gives you 30 days interest-free payment. A €2.90 billing surcharge will be added to your purchase. Once you receive the invoice, you can decide whether to pay it in full or in instalments. With instalments, you can pay for your purchases in up to 36
parts, starting at €9.90/month. Flexible instalments cost €3.90/month and carry a credit interest rate of 19.90%. You can pay with Jousto for purchases between €30 and €3000.
Shopping with Jousto is safe and secure. When you make your first purchase, you will be authenticated electronically. As a returning customer, you can easily authenticate with a one-time code sent to your phone. With every purchase, we make a real-time and automated credit decision. The payment transaction and data transmission always takes place in a secure connection. The invoice is sent by email.
The credit is issued by Aurajoki Nordic Ltd.
Learn more about Jousto at www.jousto.com. The most convenient way to pay online at Jousto!
Justo gives you 30 days interest-free payment. A €2.90 billing surcharge will be added to your purchase. Once you receive the invoice, you can decide whether to pay it in full or in instalments. With instalments, you can pay for your purchases in up to 36
parts, starting at €9.90/month. Flexible instalments cost €3.90/month and carry a credit interest rate of 19.90%. You can pay with Jousto for purchases between €30 and €3000.
Shopping with Jousto is safe and secure. When you make your first purchase, you will be authenticated electronically. As a returning customer, you can easily authenticate with a one-time code sent to your phone. With every purchase, we make a real-time and automated credit decision. The payment transaction and data transmission always takes place in a secure connection. The invoice is sent by email.
The credit is issued by Aurajoki Nordic Ltd.
Learn more about Jousto at www.jousto.com. The most convenient way to pay online at Jousto!
OP Invoice
Invoicing surcharge
45 days interest-free payment period and the possibility to pay in instalments. OP adds a 2,95 € account management fee to the invoice.
Account management fee 2,95 EUR
If you pay by invoice or in instalments, an account management fee of 2,95 EUR will be added to the invoice. This will only be added to the first invoice of the month, even if you make several purchases in the same month.
The account management fee is not a monthly fee for being an OP Invoice customer. It is not charged when you do not receive bills. So you only pay for the use of the OP Bill.
Credit limit EUR 1 000-5 000
The credit limit for the OP Bill is determined at the time of the first purchase. The credit limit is increased in increments of EUR 1,000. The amount of the credit limit does not affect the cost of using the OP Bill, as the interest rate and the account management fee are always the same.
The OP Invoice always includes the possibility of a batch payment. For this reason, a credit agreement is concluded at the time of the first purchase. The credit limit will help you keep track of the purchases you make on your bill.
Minimum installment 1/36 of the purchase price
If you pay in installments, you must pay at least the minimum installment. The longest payment period for batch payments is 36 months. The minimum is therefore 1/36 of the invoice amount, i.e. less than 3%.
Examples of minimum payments:
- €5.56 for a €200 purchase*
- €13.89 for a €500 purchase*.
Annual interest rate of 19.95%
When you pay in advance, interest and any account management fee will be added to your bill each month. The annual interest rate for OP Invoices is 19.95%*.
Late interest rate 19.95%
If your payment arrives late, the interest rate under the Interest Act is 19.95%.
If you pay by invoice or in instalments, an account management fee of 2,95 EUR will be added to the invoice. This will only be added to the first invoice of the month, even if you make several purchases in the same month.
The account management fee is not a monthly fee for being an OP Invoice customer. It is not charged when you do not receive bills. So you only pay for the use of the OP Bill.
Credit limit EUR 1 000-5 000
The credit limit for the OP Bill is determined at the time of the first purchase. The credit limit is increased in increments of EUR 1,000. The amount of the credit limit does not affect the cost of using the OP Bill, as the interest rate and the account management fee are always the same.
The OP Invoice always includes the possibility of a batch payment. For this reason, a credit agreement is concluded at the time of the first purchase. The credit limit will help you keep track of the purchases you make on your bill.
Minimum installment 1/36 of the purchase price
If you pay in installments, you must pay at least the minimum installment. The longest payment period for batch payments is 36 months. The minimum is therefore 1/36 of the invoice amount, i.e. less than 3%.
Examples of minimum payments:
- €5.56 for a €200 purchase*
- €13.89 for a €500 purchase*.
Annual interest rate of 19.95%
When you pay in advance, interest and any account management fee will be added to your bill each month. The annual interest rate for OP Invoices is 19.95%*.
Late interest rate 19.95%
If your payment arrives late, the interest rate under the Interest Act is 19.95%.