Terms of payment

Paytrail is a secure payment method for you. We have a payment institution license issued by the Financial Supervisory Authority. The service is maintained by Paytrail Oyj (business ID 2122839-7) and is part of the Nets family.

The Paytrail payment transfer service forwards your payment to the merchant. If Paytrail Oyj appears on your statement or credit card bill, we have forwarded your payment.

The online store acts as a marketer of products and services and as a supplier of products to the customer. The online store takes care of the statutory and other obligations related to the transaction. If you want to claim or return a product, you should contact the online store where the product was ordered directly.

Bank charges

You have payment buttons for all Finnish banks at your disposal. You can pay with the payment buttons of Aktia, Danske Bank, Handelsbanken, Nordea, Oma Säästöpankki, Osuuspankki, POP Bank, Säästöpankki, S-pank and the Bank of Åland. Paytrail Oyj will appear on your statement as the payee, we will forward your payment to the online merchant. From the online store, you will be directed directly to your own bank to make a payment securely.

Credit card payments

You can pay online with Visa, Visa Debit, Visa Electron, MasterCard, Debit MasterCard and American Express. The online store uses international Verified by Visa, MasterCard SecureCode and American Express SafeKey authentication services.

Paytrail Oyj appears as the payee on the card invoice and forwards the payment card payment paid by the customer directly to the merchant. Card payments are made securely using a secure payment form, and payment card information is not stored in e-commerce systems.

Mobile payment methods

Mobile payment methods Pivo, MobilePay and Transfer are services that work in the application, with which you can pay for online purchases by bank transfer from your account or by card payment from your card by accepting the payment in that application.

Pivo also accepts Transfer payments, so the payment can be accepted in any application that supports Transfer. Apple Pay is a service that works on an Apple device that allows you to pay for purchases from a payment card attached to the device.

Terms of use are available on Pivo's website.
Pivo Terms of Use

The terms and conditions are available on the MobilePay website.
MobilePay Terms


Conditions applicable to transfer fees:
OP's general terms and conditions for euro payments (.pdf)
Terms of use for the transfer service at Nordea (.pdf)

Apple Pay
The Terms of Use are available on the Apple website.
Apple Pay Terms of Use


Invoice and installment services

Invoice and installment services through Paytrail are provided by OP, Walley, Jousto and AfterPay. Walley also offers billing and installment options for corporate customers.

Please read the more specific terms for each finance company that you will see when you accept the payment. By accepting the payment, you are also accepting the terms and conditions of the finance company.

Walley's general invoice and installment payment terms for companies (.pdf)
Walley General Invoice, Account Credit and Installment Payment Terms (.pdf)
Standard European Consumer Credit Information (.pdf)
Read more:walley.fi


Flexible Product Data Sheet (.pdf)
Read more: jousto.com

OP Invoice
OP Invoice Terms and Conditions (.pdf)
OP Invoice Product Description for Merchants (.pdf)
Read more: op.fi

Read more: afterpay.fi