Information about paying

Paytrail is a secure payment service provider for you.

Information about paying

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

The Paytrail payment service forwards your payment to the merchant. If Paytrail Oyj appears on your bank or card statement, we have handled your payment.

The online store acts as the marketer of the products and services and as the supplier of items to the customer. The online store is responsible for the legal requirements and other obligations related to the transaction. If you have a complaint or want return a product/service, you should contact the online store directly where the product/service was ordered.

When an online store uses Paytrail's payment service, you will find a description of the service on their website usually in their terms and conditions.

Payment Service Provider

Paytrail Oyj is a collecting payment service provider and an authorized Payment Institution working in cooperation with Finnish banks and credit institutions. Paytrail Oyj will be shown as the recipient on your bank or credit card statement. Paytrail Oyj will forward the payment to the merchant. For complaints, please contact the website the payment was made to.

Paytrail Oyj
Innova 2
Lutakonaukio 7
40100 Jyväskylä
Phone: +358 207 181 830
Business ID 2122839-7


Online banking

You can use all Finnish banks with either the eBanking interfaces or open banking interfaces offered by the banks. You can pay with any of the online Finnish banks: Aktia, Danske Bank, Handelsbanken, Nordea, Oma Säästöpankki, Osuuspankki, POP Bank, Säästöpankki, S-pankki and Ålandsbanken. Paytrail Oyj will appear on your statement as the payee, we will forward your payment to the online business. From the online store, you will be redirected to your own bank to make a payment securely.


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

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

Mobile payments

Mobile payment applications Pivo, MobilePay and Siirto enable you to pay for online purchases by online bank transfer or card payment by accepting the payment in the application. 

Pivo also accepts Siirto payments, so the payment can be accepted in any application that supports Siirto. Apple Pay is a digital wallet that works on all Apple devices allowing you to pay for purchases using saved card information.

Terms of use are available on Pivo's website (in Finnish).
Pivo terms of use

The terms and conditions are available on MobilePay's website (in Finnish).
MobilePay terms of use


Terms and conditions applicable to Siirto payments (in Finnish):
OP's general terms and conditions for euro payments (.pdf)
Terms of use for Siirto at Nordea (.pdf)

Apple Pay
Terms of use are available on Apple Pay's website (in Finnish).
Apple Pay terms of use


Buy now, pay later

Buy now, pay later services through Paytrail are provided by OP, Walley, and Jousto. 

When you accept the payment, please read the specific terms for each finance company. By accepting the payment, you are also accepting the terms and conditions of the finance company. Terms and conditions are provided by the finance companies and are only in Finnish.

Walley general invoice, credit account and installment payment terms (.pdf)
Standard european consumer credit information (.pdf)
Read more:


Jousto description (.pdf)
Read more:

OP Lasku
OP Lasku (invoice) consumer terms (.pdf)
OP Lasku (invoice) description for the merchant (.pdf)
Read more:
OP Tililuotto
OP Tililuotto consumer terms (.pdf)
OP Tililuotto description (.pdf)
Read more:


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