Payment terms


1. Payment service provider

Paytrail Oyj (2122839-7) serves as the payment proxy service and payment service provider), in cooperation with Finnish banks and credit institutions. Paytrail Oyj will be shown as the payee on the bank statement or invoice and passes on the payment to the seller. Paytrail Oyj has a payment service provider license. In case of reclamation, we ask you to primarily contact the product supplier.

Paytrail Oyj, business ID: 2122839-7

Innova 2

Lutakonaukio 7

40100 Jyväskylä

Phone: 020 718 1830

A customer’s identity is confirmed in TUPAS identification service, so the method of payment is secure. In addition, the fraud warranty of Collector Bank Ab concerns all online shop purchases made with Collector invoice/Installment payments through Paytrail Oyj. Collector bears the financial responsibility and credit risk for possible consumer fraud and identity theft, provided that the fraud warranty directives have been complied with.

2. Paytrail account

What if online shopping were easier?

Paytrail saves you the trouble of repeatedly filling in the delivery and payment data when shopping online. Register and attach your debit and credit card details to your user account only once. In the future, you can confirm your purchases in thousands of online shops with one single registration identification. The service is free of charge.

This is how it functions:

1. In the online shop, proceed to checkout. Create your free Paytrail user account, identify yourself with your bank registration number and proceed to payment.

2. Add a debit or credit card. Saving the card details and paying with it is safe.

The data is saved securely in Paytrail. You can sign into your account again whenever at and view your purchase history as well as manage your user account. In the future, you can confirm your purchases in thousands of online shops with one single registration identification!

3. Collector invoice/Installment service

With the Collector invoice/Installment service you can pay for your purchases for up to 5000 €.

You can get at least 30, and even 60, days of interest free* credit on your Collector invoice. Thus, the invoice won’t be due until the last day of the month after the purchase has been made (*Credit interest is 0%; an invoice fee of 2.95€ is added to the first invoice). You can pay it off by the due date or choose an installment plan of 1 to 36 months. The installment plan will begin automatically after you have paid the minimum installment amount. If you want, you can also pay greater installments or pay it off all at once.

The installment interest is 1.6% a month, which coincides with a 19.20% nominal annual interest rate. After an account management fee of 2.95€ a month is added to the invoice, the effective annual interest rate for a purchase of 1000€ is 21.3%.

By choosing Collector invoice/Installment service, you will always receive your purchases before paying for them. This ensures the safe and flexible processing of exchanges and returns. 

Collector invoice/Installment service can be used by a person of at least 20 years of age and with impeccable credit status. We check your credit status during the purchase. A reminder fee of 5€ is charged for any late or unpaid invoices as well as 1.6% monthly interest for the time it is delayed.

You can find the complete Collector invoice/Installment service terms and conditions from the links below: 

Precise service description

General invoice and account credit conditions

Established European consumer credit conditions

Creditor: Collector Bank AB.