Online store payment methods

A payment method designed for online stores, which allows merchants to collect payments from the customers of any bank and credit them to an OP account.
Online bank credit transfers are the most used payment method in online stores in Finland.*
The payment flow has been optimised for mobile use.
The payments are transferred directly to the merchant’s account.
The same integration covers all Finnish banks.
Quick and easy returns.
Includes an option to add OP Lasku (Buy now, pay later) as a payment method.
Pricing: transaction-based, no fixed charges.

* Finance Finland’s 2021 report on saving, use of credit, and payment methods

Payment service providers offer comprehensive payment solutions and a wide selection of payment methods for online stores.
Credit transfers, card and mobile payments, and financing.
The payments are transmitted in net terms at agreed intervals.
Services for order and refund management are available.
The integration covers various different payment methods, often including ready-made extensions for online store platforms.
Often includes an option to add OP Lasku (Buy now, pay later) as a payment method.
Pricing: Usually a fixed monthly charge and transaction charges for the use of the payment method.

The interface enables the execution of payments from an OP account on a third-party provider’s service. Available for providers with a license for payment institutions.
The user experience is an authorisation and approval path imposed by regulations.
The integration is bank-specific, which means that it only covers credit transfers from OP accounts.
The payments are paid to an account specified by the third-party provider’s service.
Pricing: the use of the interface is free of charge for third-party providers.