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OP Online Payment

Safe and familiar way to pay online

Convenient payment method

For the online merchant, OP Online Payment offers a convenient way to collect payments directly to the merchant’s own account. For the buyer, the payment method is a safe and familiar service provided by OP.

Excellent experience

The excellent user experience in payment makes the buyer choose OP Online Payment as payment method time after time. When the online store’s selection includes the familiar payment method, it encourages to make the purchase. 

The service is always open

You can pay online with OP Online Payment regardless of time or geographical location.

Payment method for all OP customers

OP Online Payment is a convenient way of collecting online payments for products and services. Every person and company that uses OP’s online banking services can pay with it.
In addition to account-based payments, sellers can offer other payment methods such as purchase financing. Through an OP Lasku (buy with a bill) customer financing arrangement, merchants can also provide customers with a convenient financing option.

Safe for both the seller and the buyer

In their online store, the seller creates the payment details which the buyer sees when confirming the payment. Before the buyer confirms the payment, they identify themselves with the user ID provided by OP. The seller immediately receives verification of the completed payment and the money to their account, which means that they can quickly deliver the product or service to the buyer.

For the buyer, OP Online Payment is an easy and safe way to pay for online purchases.

Quick and easy refunds

Returning products to online stores is common, so payment refunds should by quick and easy as well. OP Online Payment includes a refund function the seller can use to refund the buyer’s payment in full or partly, with the option of several instalments. When giving the refund, the seller doesn’t have to know the buyer’s account details.

With the help of the payment ID, the refund will be transferred to the account from which the original payment arrived.


Payments from any Finnish bank with one service

OP Online Payment multi-bank service is an additional service that enables you to collect online payments from other Finnish banks with OP Online Payment. Our multi-bank service designed for online payments uses the same APIs as the basic functionality of OP Online Payment. This means that you only need one technical integration to your online store. Payments can also be refunded using OP Online Payment.

How OP Online Payment multi-bank service works:

  1. The online store customer goes to the checkout page to pay and selects their own bank as the payment method.
  2. The OP service directs the customer to their own bank’s identification service.
  3. The customer authorises OP to initiate the payment from the customer’s account-holding bank and confirms the online payment to be paid.
  4. After the payment is confirmed, the customer’s account-holding bank processes the payment and the customer is automatically redirected to the online store.
  5. The merchant will receive the payment on their OP account in accordance with SEPA credit transfer standards.


Contact us

Would you like to know more about OP Online Payment or enable the service for your business? Please contact your own OP cooperative bank so we can get to know your company's online payment needs together!