PAYTRAIL
Paytrail is a Finnish payment intermediary that offers a wide range of different payment options:

- Online banking payment
- Bank/credit card payment
- Mobile payment (the amount is charged on the phone bill)
- Pivo
- MobilePay (download link)
- Masterpass (more information) three installment options (OP Lasku, Jousto and Collector)

Walley (Collector bank)
Collector Bank has undergone a brand renewal, and the new name of the payment solution it offers is Walley.

- For individuals over 20 years old in Finland
- One-time purchase max. €5,000
- Automatic interest-free payment period with invoice until the end of the following month
- Invoice surcharge for the buyer €2.95
- The buyer can change the invoice to installment payment, which will result in a repayment period of max. 36 months READ MORE.

Jousto
- Invoice automatically has an interest-free payment period of 14 days
- Invoice surcharge for the buyer €4.90
- The buyer can change the invoice to installments, in which case the repayment period is max. 12 months

READ MORE.

OP Invoice
- For individuals over 20 years old in Finland
- Invoice has a payment period of 30 days (fixed interest rate 14.95%)
- Invoice surcharge for the buyer €2
- Buy with invoice financing is available for purchases of 50-5000 euros

Paytrail service payment terms