Legal notice

Paytrail is a safe payment method for you. 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 Nets family.

The Paytrail payment forwarding service forwards your payment to the merchant. If your bank statement or credit card bill shows Paytrail Oyj, 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 legal obligations related to the sale as well as other obligations defined by itself. If you want to complain or return the product, you should contact the online store from which the product was ordered.

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 Säästöpanki, Osuuspanki, POP bank, Säästöpanki, S-banken and Ålandsbanken. Your bank statement shows Paytrail Oyj as the payee, we forward your payment to the online retailer. From the online store, you will be directed directly to your own bank to make the payment securely.

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 Oyj appears as the payee on the card invoice and forwards the customer's payment card payment directly to the merchant. Payment by card is made using a securely protected payment form, and the payment card information is not stored in the online store's systems.

Mobile payment methods

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

Pivo also supports Siirto payments, in which case the payment can be accepted anywhere in Siirto in a supporting application. Apple Pay is a service that works on an Apple device, which allows you to pay for purchases with a payment card connected to the device.

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

Terms are available on the MobilePay website.
MobilePay terms


Terms applicable to transfer payments:
OP's general euro payment terms (.pdf)
Terms of use of the transfer service At Nordea (.pdf)

Apple Pay
Terms of use are available on Apple's website.
Apple Pay terms of use

Invoicing and installment services

Invoicing and partial payment services via Paytrail are offered by OP, Walley, Jousto and AfterPay. Walley also offers an invoice and installment option for business customers.

Please read the more detailed conditions specific to the financing company, which you see when you accept the payment. When you accept the payment, you also accept the financing company's terms and conditions.

Walley's general invoicing and installment payment terms for companies (.pdf)
Walley's general invoicing, account credit and installment payment terms (.pdf)
Standard format European consumer credit information (.pdf)
Read more:


Jousto product description (.pdf)
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OP Invoice
OP Invoice consumer terms and conditions (.pdf)
OP Invoice product description for merchants (.pdf)
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