Payment Methods

OP Credit Account

OP Credit Account is a flexible and secure payment method for larger everyday purchases, and financing can be obtained up to 7500 euros.

• OP Credit Account offers a 30-day interest-free payment period for each purchase, as well as the option to pay in installments. The monthly installment for the credit includes a billing fee of 5.00 euros, and when paying in installments, the nominal interest rate is OP-prime + 9.50%.*
• The minimum monthly installment is 50 euros. Extra payments can be made at any time, or the entire credit can be paid off in full at once without additional costs.

* The credit account is a continuous credit, for which the effective annual interest rate for a credit of 5,000 euros is 14.57%, when the credit interest rate is OP-prime + 9.50% (12.20% 5/23), the setup fee is 0 €, and the billing fee is 5 € /month. The estimated total cost of the credit is 8,341.38 €. The calculation is made assuming that the credit has been fully drawn, the credit interest rate and fees and charges remain the same throughout the credit period, and the credit is repaid in installments of 85 euros monthly, resulting in a credit period of 99 months. The credit is granted by OP Corporate Bank Plc, Gebhardinaukio 1, 00510 Helsinki.

OP Invoice

OP Invoice is a flexible, reliable, and secure payment method.

• Suitable for financing online store purchases up to 5000 euros.
• Suitable for a wide target audience, as it works for customers of all banks.
• Offers 45 days of interest-free payment time and the option for installment payments.
• For the consumer, the service is safe and reasonable: it does not contain hidden costs.

About Paytrail

The payment intermediation service provider and payment service provider is Paytrail Oyj (2122839-7) in cooperation with Finnish banks and credit institutions. Paytrail Oyj appears as the payee on the account statement or card bill and forwards the payment to the merchant. Paytrail Oyj has a payment institution license.

Paytrail Oyj, business ID: 2122839-7
Innova 2
Lutakonaukio 7
40100 Jyväskylä
paytrail.com/kuluttaja/tietoa-maksamisesta