Make sure that you have entered the card details (card number, expiry date and security code) correctly. The security code (CVC number) is a three-digit number printed on the back of your card. The expiry date is shown on the front of the card, in the format mm/yy.
Combination cards have separate details for debit and credit payments. Make sure that you enter the correct details based on whether you want your purchases to be debited directly from your bank account or from your credit facility. If you enter the wrong payment card details several times, the card will be locked. Read how you can unlock a locked card in the section My card is locked.
On OP’s combination cards, the credit card number is on the front of the card.
The credit card’s security code (CVC/CVV) is next to the signature field on the back of the card.
The debit card number is on the back of the card, in the bottom left corner. The debit card’s security code (CVC) is right next to the card number.
If you have a new payment card, update your card details during a payment in any online services that you are using. The online service may identify you as an existing customer and automatically use your old card details.
The card’s spending limit for online payments may prevent the use of the card. Check and edit the card’s spending/withdrawal limits easily on OP-mobile or in the op.fi service. Log into the op.fi service and check the spending/withdrawal limits
The transaction limit of the bank account linked to the card may also prevent you from using the card if you have, for example, made a large payment or credit transfer from the account on the same day. Log into the op.fi service and check the account’s transaction limit
Did your identification fail in connection with an online payment? Check that the Visa Secure or Mastercard Identity Check verification works. Sometimes the browser security settings, such as a pop-up blocker or third-party cookies, may prevent an online payment. Check the browser settings to make sure that they are enabled during your online purchase. Check supported browsers. Clearing the browser or application cache may also help if you experience any problems.
If you want to use your card online or in apps, you’ll need OP’s user ID. To confirm your purchases, you need OP’s user ID, in other words, the OP eService Agreement or the OP Online Banking Agreement, and Mobile key or a key code list. For making purchases in applications (mobile apps or, say, video game consoles), Mobile key is normally required. If you confirm your payment with a key code, your OP eService Agreement must include a phone number for further confirmation of your payment. You can add a further confirmation number in the op.fi service and delete or change it by calling OP Customer Service or visiting a branch. You can check your further confirmation number in the op.fi service. Under your own name, select Tunnusten hallinta (Manage user ID) – Lisävahvistuksen puhelinnumero (Phone number for further confirmation) – Tarkista lisävahvistusnumero (Check further confirmation phone number). Read more about OP's user ID and paying online.
My purchase transaction was interrupted. How can I make sure that the payment was completed successfully? Are you already using notifications on OP-mobile? If you are, you’ll be instantly informed if your transaction was successful or not. If necessary, you can also check under card transactions whether the payment is shown in the preauthorisations of the account or credit facility. Read more about how to activate notifications on OP-mobile.