Payment Methods

Payment Service Provider
The payment intermediation service is provided by Paytrail Plc (2122839-7) in cooperation with Finnish banks and credit institutions. Paytrail Plc will appear as the recipient of the payment on your bank statement or card bill and will forward the payment to the merchant. Paytrail Plc holds a payment institution license. In case of complaints, we ask you to primarily contact the product supplier.

Paytrail Plc, business ID: 2122839-7
Innova 2
Lutakonaukio 7
40100 Jyväskylä
www.paytrail.com

Bank Payments
You can use the payment buttons of all Finnish banks, either through the banks’ eBanking interfaces or open banking interfaces. You can pay using the payment buttons of Aktia, Danske Bank, Handelsbanken, Nordea, Oma Säästöpankki, Osuuspankki, POP Bank, Säästöpankki, S-Bank, and Ålandsbanken. Paytrail Plc will appear as the recipient of the payment on your bank statement, and we will forward your payment to the online merchant. You will be redirected from the online store 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 Plc will appear as the recipient of the payment on your card bill and will forward the card payment made by the customer directly to the merchant. Card payments are made securely on a protected payment form, and card details are not stored in the online store’s systems.

Mobile Payment Methods
Mobile payment methods MobilePay and Siirto are app-based services that allow you to pay for online purchases as a bank transfer from your account or as a card payment from your card by approving the payment in the respective app.

Apple Pay is a service that works on Apple devices, allowing you to pay for purchases from a payment card linked to the device.

• MobilePay

Terms are available on MobilePay’s website. MobilePay terms

• Siirto

Terms applicable to Siirto payments: OP’s general euro payment terms (.pdf) Siirto service terms for Nordea (.pdf)

• Apple Pay

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

Invoice and Installment Services
Invoice and installment services are offered through Paytrail by OP and Walley.

Please read the more detailed terms specific to each finance company, which you will see when you approve the payment. By approving the payment, you also accept the finance company’s terms.

• Walley

Walley’s general invoice and installment terms for companies (.pdf) Walley’s general invoice, credit account, and installment terms (.pdf) Standard European consumer credit information (.pdf) Read more: walley.fi

• OP Invoice

OP Invoice credit agreement terms (.pdf) OP Invoice product description for consumers (.pdf) OP Invoice product description for merchants (.pdf) Read more: op.fi

• OP Credit Account

OP Credit Account credit agreement terms (.pdf) [OP Credit Account product description (.pdf) ](https://www.paytrail.com/hubfs/sopimukset-ja-ehdot/OP-Tililuotto-Kuluttajalle.pdf) Read more: op.fi

Please also read Paytrail’s payment terms, which you will also see when approving the payment. By approving the payment, you also accept the terms.

Emmy Gift Card
Gift cards can be purchased from Emmy’s online store for yourself or as a gift, and as a seller, you can receive your sales proceeds as Emmy gift cards.