The payment processing service is implemented and provided by Klarna (2247127-6) Paytrail (2122839-7) in cooperation with Finnish banks and credit institutions or Shopify Inc. and Shopify International Limited, https://www.shopify.com/legal/terms-payments-fi. Paytrail, Klarna or Shopify (Stripe) appears as the recipient of the payment on the bank statement or card invoice and forwards the payment to the merchant. In cases of complaints, we ask you to primarily contact the product supplier.
PAYMENT METHODS
You can pay for your purchases with all common payment methods.
- By bank payment (Klarna and Paytrail): Aktia, Danske Bank, Handelsbank, Nordea, Oma Säästöpankki, Osuuspankki, POP-pankki, Säästöpankki, S-pankki and Ålandsbank.
- With bank and credit cards (Klarna, Paytrail and Shopify): Visa, Visa Debit, Visa Electron, MasterCard, Debit MasterCard, American Express.
- By mobile payment (Klarna and Paytrail): MobilePay, Siirto, Google Pay, Apple Pay.
- By invoice or installment payment (Klarna and Paytrail): Klarna, OP Buy on invoice, Walley.
- Paypal if you already have a Paypal account, you can pay for your purchase with the email address you have connected to your Paypal account. Creating a Paypal account is free.
- ePassi (Store) ( In our store, you can also make purchases with the easy-to-use ePassi. ePassi is a payment method primarily intended for employers and employees.
Bank charges
You can use the payment buttons of all Finnish banks. You can pay with the payment buttons of Aktia, Danske Bank, Handelsbanken, Nordea, Oma Säästöpankki, Osuuspankki, POP-pankki, Säästöpankki, S-pankki and Ålandsbanken.
Your bank statement will show Paytrail Oyj 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 the payment securely.
The payment and financing service related to online banking payments is implemented by Paytrail Oyj in cooperation with Finnish banks and credit institutions.
Paytrail Oyj purchases the payment and settles it with the merchant. From the user's (i.e. you) perspective, the service works just like traditional online payments.
Card and credit card payments
You can pay in the online store with Visa, Visa Debit, Visa Electron, MasterCard, Debit MasterCard and American Express cards. The online store uses the international Verified by Visa, MasterCard SecureCode and American Express SafeKey authentication services.
Paytrail or Shopify Payment (Stripe) appears as the payee on the card invoice and forwards the customer's payment card payment directly to the merchant.
Card payments are made using a secure payment form and payment card information is not stored in the online store's systems.
Mobile payment methods
The mobile payment methods Pivo, MobilePay and Siirto are services that work in the app, allowing you to pay for online purchases as a bank transfer from your account or as a card payment from your card by accepting the payment in the relevant app. Pivo also supports Siirto payments, which means that the payment can be accepted in any app that supports Siirto.
Beer
The terms of use are available on Pivo's website. Pivo's terms of use
MobilePay
Payment terms are available on MobilePay's website. MobilePay's payment terms
Move
Terms and conditions applicable to Transfer payments:
- OP's general euro payment terms and conditions
- Terms of use of the Siirto service at Nordea [PDF]
Invoice and installment services
Invoice and installment payment services are offered by Klarna, OP (Paytrail) and Walley (Paytrail).
Please read the more detailed terms and conditions of the finance company, which you will see when you accept the payment. When you accept the payment, you also accept the terms and conditions of the finance company.
Klarna Checkout
Klarna invoice
Klarna split payments
Walley
We offer the option to pay by invoice in collaboration with Walley. When you choose invoice as your payment method and are granted the option to pay by invoice, you will receive the ordered goods before paying for them.
You can pay the entire invoice amount at once or, if you are given the option to pay with an overdraft, divide the payment into smaller parts by paying at least the minimum amount shown on the invoice by the due date. Paying an invoice in parts requires that you sign a credit agreement with Walley after receiving the invoice by logging into My Pages at my.walley.fi .
When you choose to pay by invoice or credit card, you can only place an order to your permanent address in the population register. You must be at least 18 years old at the time of ordering and Walley will check your credit information when ordering. The first invoice is free of charge. The interest rate on the installment payment is 1.66% per month (interest rate 19.9%). You can pay the entire balance of the invoice on the due date or, if you wish, you can choose installment payments of 1-36 months. If you wish, you can also pay larger installments. Late payments will be charged statutory reminder fees and collection costs, as well as interest for the delayed period. You can find complete terms and information about Walley Invoice and Credit Card at the following links:Terms and SECCI
General terms and conditions for invoices, overdrafts and installments: https://cdn.walleypay.com/terms/Terms_FI.pdf
Standard European Consumer Credit Information: https://cdn.walleypay.com/terms/SECCI_FI.pdf
OP Buy with invoice
OP's consumer terms and conditions for invoice and installment payment methods [PDF]
OP Buy with invoice product description
Klarna
With the Klarna Checkout service, you can easily, flexibly and securely make purchases online.
The following payment options are available to you through Klarna: Klarna invoice, Klarna split payments, Klarna account, debit/credit card payments (Visa, Visa Electron, Mastercard) and online banking payments (OP, Nordea, Danske Bank, Savings Bank, Aktia).
By using Klarna Checkout, you agree to the terms and conditions of Klarna AB (556737-0431, Norra stationsgatan 61, 113 43 Stockholm), which can be found here. If you have any questions regarding payment, please contact Klarna customer service directly at tel. 09 425 99771.
Klarna (2247127-6) operates as a payment intermediary service and payment service provider in cooperation with Finnish banks and credit institutions. Klarna Oy appears as the recipient of the payment on the bank statement or card invoice and forwards the payment to the merchant. Klarna Oy has a payment institution license. In case of complaints regarding orders, we ask you to contact BYPIAS first.
Klarna Oy, business ID: 2247127-6, contact information: Korkeavuorenkatu 34, 00130 Helsinki Phone: +358 9 42599770
Paytrail
Paytrail Oyj, business ID: 2122839-7, Innova 2 Lutakonaukio 7, 40100 Jyväskylä, Phone: 020 718 1830, www.paytrail.com