Pay safely online

With OP cards, you can pay for your online purchases securely and easily either from your card or directly from your account. When paying online, you need an OP User ID and Mobile key or a traditional key code list for strong identification.

Card payment brings an extra layer of security  

The credit feature of your payment card makes paying online safer. If you have paid for the purchase using the credit feature and do not receive the service or product due to the seller’s bankruptcy, for example, you can claim a refund from the credit card company. 

OP Gold and OP Platinum cards also include various forms of insurance, such as travel insurance when you pay for your trip using the credit feature. 
 
As our owner-customer, you also get Product Protection Insurance for purchases paid with OP’s payment card in case your card purchase is damaged, lost or stolen. The insurance helps if you drop and damage your new phone or lose a pair of sunglasses, for example. Depending on your card, Product Protection Insurance is valid for either 6 or 12 months.  

How to pay for online purchases by card 

When buying online with an OP Visa or Mastercard, select Visa or Mastercard as the payment method and your preferred identification method, either Mobile key or key code list. 

To pay, you will need:  

  • Your credit card number shown on the front side of your card. The debit card number is found on the reverse of the card.
  • Your mobile device on which you either use Mobile key or receive an SMS containing a serial number for the key code list. 
  • The card’s three-digit security code. The security code for the credit number is found on the reverse of the card to the right of the signature field. The security code for the debit number is found at the end of the card number.
  • The card’s expiry date that is visible on the front of your card, in the format mm/yy.

After you have entered your card details, you will be automatically transferred to OP’s service if the payment requires strong identification. Identify in the service using the identification method added for your card, which is either Mobile key or OP User ID, SMS for further confirmation or key code list. 

Never approve Mobile key transactions if you are unsure or do not recognise the transaction. 

How can I start using Mobile key?

You can start using Mobile key by downloading the OP-mobile app. If you have an OP user ID, you can confirm online card purchases using Mobile key. If you have K-Plussa Maksuaika or OP Business Debit, you can confirm the payment using Mobile key without an OP User ID. 

See how you can begin using Mobile key if you have and start using Mobile key if you have and OP user ID

See how you can begin using Mobile key without an OP user ID

Prefer to pay from your account? What to do  

When making purchases online and you want to pay directly from your account, choose OP as the payment method and follow the store’s instructions. You identify yourself either with Mobile key or a key code list.  

Always make sure that the online store you are using is trustworthy. 

  1. Once you have made the purchase, proceed to the checkout. Select Pay and identify in OP's service. 
  2. Select Mobile key as your identification method.
  3. Open OP-mobile on your phone. Note that at this stage, your phone won’t remind you to open your app. 
  4. Tap Confirm with Mobile key 
  5. On the app, check the amount and recipient of the card payment you are confirming. Confirm the transaction with the Mobile key PIN that you have set and tap Confirm. 
  6. You’ll get a notification of successful confirmation. Select Ready. 
  7. After the card transaction has been verified, you’ll receive confirmation of the payment. 
  8. Return to the seller’s website for the order confirmation. 
  1. Once you have made the purchase, proceed to the checkout. Choose Visa or Mastercard as payment method. 
  2. Enter your card number and expiry date. 
  3. Select Pay to be taken to OP’s service for identification. 
  4. Enter your OP User ID and password. 
  5. You receive a further confirmation SMS that contains a serial number for a key code. 
  6. Enter the key code that corresponds to the serial number. 
  7. You will receive confirmation that the identification was completed successfully. 
  8. Return to the seller’s website to receive an order confirmation after the card transaction has been verified. 

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 are both OP's personal and corporate customer, you can confirm payments made using an OP Business Debit card on OP Business mobile or OP-mobile. Please note that in OP Business mobile, you also need to be logged in as a personal customer in order to confirm the payment. 

If you are OP's corporate customer but not a personal customer, you must confirm the payment in OP-mobile. The Mobile key required to confirm payments can be activated using your bank’s user ID in OP-mobile. 

Do as follows: 

  1. Once you have made the purchase, proceed to the checkout. Select Pay and identify in OP's service. 
  2. Select Mobile key as your identification method. 
  3. Open OP-mobile or OP Business mobile, depending on your customer type. Note that at this stage, your phone won’t remind you to open your app. 
  4. Tap Confirm with Mobile key 
  5. On the app, check the amount and recipient of the card payment you are confirming. Confirm the transaction with the Mobile key PIN and tap Confirm. 
  6. You’ll get a notification of successful confirmation. Select Ready. 
  7. After the card transaction has been verified, you’ll receive confirmation of the payment. 
  8. Return to the seller’s website for the order confirmation. 

The strong identification requirement applies to online purchases with cards and card payments through mobile apps. At store checkouts, you can continue to pay with your card, using your PIN or contactless payment. 

The requirement is based on the EU Payment Services Directive PSD2. 

What does strong identification mean?

You can be identified electronically in different ways. The purpose of strong identification is to verify a person’s identity and make the use of services safe. Strong identification is derived from the Payment Services Act. According to the law, as a rule a person’s identity must be verified using strong identification whenever account details and payment services are used. OP customers identify themselves either with Mobile key or a key code list. 

Why is it necessary to confirm online purchases through strong identification? 

The purpose of strong customer identification is to increase the security of payments, improve consumer protection and decrease misuse related to payments. When strong customer identification is required with purchases, it can be ensured that the verified identity definitely belongs to the person making the purchase. So, your money will be safer as each online purchase will require strong customer identification.

Is strong identification always required with online purchases? Are there situations in which strong identification is not required?

As a rule of thumb, you should always be prepared for strong identification when buying something online. However, the Payment Services Act does allow for some exceptions to strong identification. They include, for example, recurring subscriptions for which the same agreed amount is charged to the card each month and payments involving small sums. 

How does strong identification affect a child's online payments?

The requirement applies to everyone who pays online with a card, so strong identification is also required from minors. Minors who wish to make online purchases must apply for their own OP User ID. 

Read more about banking for children and young people

What should I do if I can’t use Mobile key?

The Mobile key requires a smart device that is used to activate the key. If you do not have a smart device, you can identify yourself using a key code list. Using the key code list requires a phone that can receive SMSes from the bank. If you don’t have a mobile phone, contact your OP cooperative bank to agree on the best way to make your transactions. 

In some slot machines and mobile apps, confirming the purchase is not necessarily possible with a key code list due to the technological solution used by the seller. However, this is rare.