Payment Methods

We have the following payment options available in our online store

Online payment

Invoice/installment

Credit card

Mobile Pay

Pivo

Apple Pay

Payment Service Provider

Paytrail Oyj (2122839-7) operates as the payment intermediary service provider and in cooperation with Finnish banks and credit institutions. Paytrail Oyj appears as the recipient of the payment on the bank statement or card invoice and forwards the payment to the merchant. Paytrail Oyj has a payment institution license. If you need to make a reclamation we ask that you first contact the supplier of the product.

Paytrail Oyj, business ID: 2122839-7

Innova 2

Lutakonaukio 7

40100 Jyväskylä

www.paytrail.com

Payment with Bank Buttons

The Paytrail payment forwarding service forwards your payment to the merchant. You can use the payment buttons of all Finnish banks, i.e. you can pay with the payment buttons of Nordea, Osuuspankki, Säästöpankki, POP Pankki, Danske Bank, Handelsbanken, S-Pankki, and Ålandsbanken. The account statement shows Paytrail Oyj as the recipient of the payment. We forward your payment to the online retailer.

Payments by Credit Cards

You can pay in the online store with Visa, Visa Debit, Visa Electron, MasterCard and Debit MasterCard cards. Card payment is done securely with Nets's SSL-protected payment form. The online store and Paytrail Oyj have no access to the card information and the payment card information is not stored in our systems. The online store uses the international Verified by Visa and MasterCard SecureCode authentication services.

The online store uses Paytrail Oyj's payment intermediary service for card payments. The online store functions as a marketer of products and services and as a supplier of products to the customer. The online store takes care of the legal obligations related to the sale as well as other obligations defined by itself. In payment card payments, the transaction is created between the customer and Paytrail Oyj (2122839-7). Paytrail Oyj is responsible for obligations and reclamations related to card payments. Paytrail Oyj appears as the recipient of the payment on the card invoice and forwards the card payment paid by the customer directly to the merchant.

Payments by Invoice, Installment and Credit

OP Invoice

Osta laskulla /Buy with Invoice is a reliable and secure payment method for online shopping offered by OP. You will receive an invoice by mail to your home and at least 30 days to make the payment. You can pay at once or flexibly in installments. The minimum amount is 50 euros.

For people over 20 living in Finland with a Finnish social security number

For orders of 50–2000€

Interest-free payment period of 30 days for the first installment

Identification with a Finnish bank's online banking credentials

The creditor checks the credit and address information

Billing surcharge for the buyer 0€/month

The nominal interest rate for Buy with Invoice financing is a fixed 14.95%

The creditor is OP Yrityspankki Oyj. Consumers' questions are answered by the finance customer service: kuluttajarahoitus@op.fi

Jousto invoice

All Jousto purchases are made with an invoice with a payment period of 30 days and an invoicing surcharge of 2.90€. After receiving the invoice, the customer can decide for themselves whether they pay the invoice in full or in installments. Jousto invoice and Installment payment is a domestic service intended for individuals who have managed their financial affairs flawlessly. The credit provider is Aurajoki Nordic Oy.

In connection with your first purchase, you make a strong electronic identification. As a returning customer, you can easily identify yourself with a one-time code sent to your phone.

With installment payments, you can pay for your purchases in up to 36 installments, starting at 9.90€/month. The costs of Jousto installments are 3.90€/month and a credit interest of 19.90%.

One-time purchase with Jousto 30–3000€