Verkkomaksaminen

Smooth online payments with your card

With OP cards, you can pay your online purchases securely and easily. Confirming online purchases will gradually change due to strong authentication required by the Payment Services Act.

How to confirm online purchases depending on your type of card

After you have entered your card details, you will be automatically transferred to OP’s service. You will authenticate yourself to the service with the identification method linked to your card, which is one of the following:

  • Mobile key
  • OP's credentials, further confirmation SMS and key code list
  • one-time password.

You don’t have to know the identification method beforehand. The service will automatically offer the methods available for your card.

You can use the Mobile key to confirm most of your card payments for online purchases. 

What you need in webshops at the time of payment

When paying online purchases with OP-Visa or OP Mastercard, you need:

  • your mobile device on which, depending on your card, you will either use the Mobile key, receive an SMS containing a serial number for the key code list or a single-use confirmation code
  • the card number that is visible on the front of your card*
  • the three-digit security code that you can find at the back of the card, on the right hand side of the signature panel*
  • the card’s expiry date that is visible on the front of your card, in the format mm/yy

*On a combination card, the debit card number is on the back of the card, and the security code is right next to the debit card number.

 

  1. First make your purchases, then proceed to paying with the OP-Visa card.
  2. Select Maksa (Pay). This will take you to OP’s service for authentication.
  3. If you use the Mobile key, select that as the authentication method.
  4. Open OP-mobile on your phone. At this stage, you won’t receive a separate notification on your phone on opening the app.
  5. Confirm with Mobile key. If you’re already logged into OP-mobile, tap Money in the submenu, then select Confirm with Mobile key.
  6. On the app’s screen, check the card payment recipient and the amount you’re confirming. Confirm the transaction with the Mobile key PIN you’ve selected yourself and by tapping Confirm.
  7. You’ll get a notification of successful confirmation. Select Valmis (Ready).
  8. After the card transaction has been verified, you’ll receive confirmation of the payment.
  9. You’ll return to the merchant’s website and receive an order confirmation from the merchant.
  1. First make your purchases and then proceed to payment.
  2. Choose Visa or Mastercard as payment method.
  3. Enter your card’s number and expiry date.
  4. Click or tap Pay. This will take you to OP’s service for authentication.
  5. Enter your personal OP username and password.
  6. You receive a further confirmation SMS that contains a serial number for a key code.
  7. Enter the key code that corresponds to the serial number given in the further confirmation SMS.
  8. You receive confirmation of the authentication completed successfully.
  9. You return to the merchant’s website.
  10. After the card transaction has been verified, you’ll receive an order confirmation from the merchant.

 

For further confirmation messages, please check that your customer details contain the correct phone number.

See how to link a phone number for further confirmation to your user ID

See how to change a phone number for further confirmation linked to your user ID 

If you don’t have OP eServices user identifiers, confirm your online purchases with a single-use confirmation code that you will receive by SMS.

  1. First make your purchases and then proceed to payment.
  2. Choose Visa as the payment method.
  3. Enter the requested card details and continue to payment.
  4. A window will open that requests authentication with a one-time password.
  5. You’ll receive in your phone a one-time password.
  6. Authenticate yourself and confirm the payment by entering the one-time password in the corresponding field.
  7. You’ll receive confirmation of the payment completed successfully and will return to the webshop.

When paying online purchases with a card through Pivo, confirm the payment as follows:

  1. Log in to the application.
  2. Confirm the payment by swiping.

In some cases, a separate authentication is required to confirm your card payment with Pivo. In such a case, Pivo will direct you to the service where you will authenticate yourself and confirm the payment with your online bank user identifiers.