Ensure information is correct
Make sure that you’ve 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 charged to your credit card. If you enter wrong payment card details several times, the card will be locked. Read how to 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.
he credit card’s security code (CVC or 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 new card details to any online service you may use before payment. Otherwise, the online service may identify you as an existing customer and automatically use your old card details.
Check security limits
The limits for online and in-app payments may prevent you from using the card. Check and change the card’s limits easily on OP-mobile or the op.fi service. Log into the op.fi service and check the spending/withdrawal limits
The usage restrictions of the bank account linked to the card may also prevent you from using the card if you’ve 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 usage restrictions
Check browser settings
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.
Do you have an OP user ID?
If you use your card online or in apps, you’ll need an OP user ID to confirm purchases, meaning the op.fi service or the Online Banking Agreement as well as Mobile key or the key code list. For making purchases in apps (mobile apps or, say, video game consoles), Mobile key is normally required for identification. 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 on 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 on 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.
Check purchase transactions
If a purchase transaction was interrupted, you can check under card transactions whether the payment is showing in the preauthorisations of the account or credit facility. By enabling notifications on OP-mobile, you’ll get notifications of both successfully completed and failed payments. Read more about how to activate notifications on OP-mobile.