How to use Mobile key if you don’t have OP’s user ID

When you make online purchases, you generally need to confirm the payment through strong electronic identification. This will increase the security of your payments. If you have the K-Plussa Maksuaika card or OP-Visa Business Card but don’t have OP’s user ID, you can confirm your online purchases with Mobile key on OP-mobile.

The change in confirming online purchases is based on the EU’s Payment Services Directive (PSD2), which entered into force in September 2019 regarding strong customer identification. The transition period of the law for online payments with cards ended at the end of 2020. The change applies to online purchases with cards and card payments through mobile apps. We are now also offering Mobile key as an identification method for those customers who have the K-Plussa Maksuaika card or OP-Visa Business Card but don’t have OP’s user ID.

At store checkouts, you can continue to pay with your card, using your PIN or contactless payment.

What is Mobile key?

Mobile key is an identification method that is always with you on the OP-mobile app. Use it to confirm purchases you make at online stores or mobile apps, with a PIN you select yourself. To start using Mobile key, download the OP-mobile app to your smartphone or tablet.

What do I need to use Mobile key?

  • A smartphone or tablet
  • An internet connection
  • Another bank’s user identifiers. When enabling Mobile key, you need to identify yourself with another bank’s user identifiers.

How to download OP-mobile and start using Mobile key if you don’t have OP’s user ID

How to confirm a card payment with Mobile key
  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. 

What’s new in paying online with a card

Read how the change in online payments after the end of the year will show in daily life.