Information about paying
Paytrail is a secure payment service provider for you.
Information about paying
Paytrail is a secure payment method for both consumers and businesses. You’ll find key details and terms for available payment methods below. Please note that businesses using Paytrail’s service may offer different payment methods. We have a payment institution license granted by the Financial Supervisory Authority. The service is maintained by Paytrail Oyj (business ID 2122839-7) and is part of the Nexi/Nets Group.
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
www.paytrail.com
Payment methods
You can use all Finnish banks via their eBanking or open banking (PSD2) interfaces, including Aktia, Danske Bank, Nordea, Oma Säästöpankki, Osuuspankki, POP Bank, Säästöpankki, S-Pankki, and Ålandsbanken. When we forward your payment to the online business, your bank statement will show Paytrail Oyj /the business’s name as the payment recipient. From the website, you’ll be directed straight to your bank to complete the payment securely.
You can pay online with Visa, Visa debit, Mastercard, Mastercard debit and American Express cards. All payments are protected using international authentication services such as Verified by Visa, Mastercard SecureCode, and American Express SafeKey.
Paytrail appears as the recipient on your card statement and securely forwards your payment to the online store. Your card details are processed through a secure form and are never saved in the online store’s system.
Mobile payment applications MobilePay and Siirto enable you to pay for online purchases by online bank transfer or card payment by accepting the payment in the application.
Apple Pay is a digital wallet that works across all Apple devices allowing you to pay for purchases using saved card information.
Google Pay is a digital wallet that works on Android phones, smartwatches, and tablets allowing you to pay for purchases using saved card information.
- MobilePay
- Read the MobilePay terms of use (in Finnish):
MobilePay terms of use
Siirto
Read the Siirto terms of use (in Finnish):
Siirto terms of use for OP
Siirto terms of use for Nordea (.pdf)
Apple Pay
Read the Apple Pay terms of use:
Apple Pay terms of use
Google Pay
Google Pay Acceptable Use Policy
Buy now, pay later services through Paytrail are provided by OP and Walley.
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
- Walley general invoice, credit account and installment payment terms (.pdf)
- Standard european consumer credit information (.pdf)
- Learn more about Walley
Walley B2B
Walley B2B terms- OP Lasku (invoice)
OP Lasku (invoice) credit terms (.pdf)
OP Lasku (invoice) consumer terms (.pdf)
OP Lasku (invoice) description for the merchant (.pdf)
Learn more: op.fi
OP Tililuotto (Overdraft Facility)
OP Tililuotto consumer terms (.pdf)
OP Tililuotto description (.pdf)
Learn more: op.fi