Payment options

In the Papernoida online store, you can pay for your order with these options:

Paytrail (also invoice options available)

Paypal

Mobile pay

Klarna (invoice & partial payment)

Shopify Payments

So you can choose card payments, online banks, invoice option, Gpay, Mobilepay, Paypal and payment in Paperinoida.

If you have any questions about these, send a message to info@paperinoita.fi

Information about payment

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 it 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 make a complaint or return a product, you should contact the online store from which the product was ordered directly.

When an online store uses Paytrail's payment service, you can find a description of the service on their website, for example delivery terms.

Payment service provider

Paytrail Oyj (2122839-7) operates as the payment intermediary service provider and in cooperation with Finnish banks and credit institutions. Paytrail Oyj appears as the recipient of the payment on the bank statement or card invoice and forwards the payment to the merchant. Paytrail Oyj has a payment institution license. In cases of complaints, we ask that you first contact the supplier of the product.

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

Bank charges

You can use the payment buttons of all Finnish banks either based on the eBanking interfaces or open banking interfaces offered by the 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 recipient of the payment on the card invoice and forwards the payment card payment paid by the customer directly to the merchant. Card payment 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 the respective application.

Pivo also accepts Siirto payments, which means that the payment can be accepted in any application that supports Siirto. 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.

Pivot
Terms of use are available on Pivo's website.
Pivo's terms of use
MobilePay
The terms and conditions are available on MobilePay's website. MobilePay terms and conditions
Move
Conditions 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

Invoice and installment services

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

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

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

Elasticity
Jousto product description (.pdf)
Read more: elastic.com
OP Invoice
Terms of OP Invoice credit agreement (.pdf)
OP Invoice product description for consumers (.pdf)
OP Invoice product description for the merchant (.pdf)
Read more: op.fi

Payment service provider

Paytrail Oyj, business ID: 2122839-7
Innova 2
Lutakonaukio 7
40100 Jyväskylä
https://www.paytrail.com/kuluttaja/maksupalveluethods