Payment Options

Payment methods

We currently accept online payments in a secure environments through service providers Shopify Payments, Pay Pal and Paytrail. payment method selection includes the following:

  • Visa, Mastercard and American Express credit card payments
  • Pay Pal, Shop Pay, Google Pay
  • Online bank transfers from Finnish banks (Nordea, Osuuspankki, Danske Bank, Säästöpankki, Oma Säästöpankki, POP Pankki, Aktia, Handelsbanken, Ålandsbanken & S-Pankki)
  • Mobile payment methods (MobilePay, Pivo, Siirto and Apple Pay)
  • Walley – Pay now, pay later or pay a little at a time (Available only in Finland)
  • Jousto (Available only in Finland)
  • OP-lasku (Available only in Finland)

Klaus Haapaniemi & Co. is responsible for providing goods and services bought and the payment providers only supply for the payment services. By using a payment service you agree to the terms of service of provider in question. More information about each payment service can be found below.

Shopify Payments

Shopify Payments terms of service can be found here:


Paypal user agreement can be found here:

Payment Service Provider

Paytrail Plc acts as a collecting payment service provider and is an authorized Payment Institution. Paytrail Plc will be shown as the recipient on your bank or credit card statement. Paytrail Plc will forward the payment to the merchant. For reclamations, please contact the website the payment was made to.

Paytrail Plc
Innova 2
Lutakonaukio 7
40100 Jyväskylä

Business ID 2122839-7

Walley Invoice/Installment

Flexible Payment: One-Time or Installments

Invoice and account credit give you more time to pay for online shopping. Using them lets you wait for your order to arrive in peace before paying for it. You can pay either in one go with an invoice or in smaller parts with account credit, allowing you to pay the most suitable amount each month and spread the payment over a maximum of 36 months.

Interest-Free Invoice: Secure & Simple

With an invoice, you always get 45 days of interest-free payment time for online shopping purchases. The extended payment period allows you to check your purchases and, if necessary, return them before the invoice is due.

To take advantage of the payment period, you need a favourable credit decision, which is easy to apply for during the purchase process. You can apply for it if you are at least 18, have a Finnish personal identification number, and have a permanent, official home address in Finland. Your credit information will also be checked from Bisnode Finland Oy's register.

Payment for Purchases up to €5,000

Once you have received a favourable credit decision and confirmed the transaction, you will receive an invoice for your purchase by email. If you want to pay the invoice in smaller parts and with a more reasonable payment period (1-36 months), you must make a continuous credit agreement with Collector Bank AB by logging into My Pages at You will be granted a credit limit when you sign the credit agreement, which can be used for later purchases according to the credit terms.

When you have a valid credit agreement, you only need to pay the minimum amount stated on the invoice you received by the due date, but you can also choose to pay a larger amount if you wish. After that, you will receive an account statement by email each month until the credit is fully paid. You can always pay off your credit in larger parts than the minimum amount on the account statement.

Credit costs and credit example: In the Klaus Haapaniemi & Co. online store, campaign conditions are applied, according to which the interest rate on the account credit is 19.2% expressed as nominal annual interest, and the monthly fee is €2.95 per month (€3.80 on the first invoice). Suppose the granted credit limit is €1,000 and is entirely used for purchases made in the Klaus Haapaniemi & Co. online store, and the credit is paid back over 36 months. In that case, the actual annual interest rate with the applicable campaign conditions is 28.6%, the total credit costs amount to €403, the total amount payable is €1,403, and the number of instalment payments is 36. For delayed payments, statutory reminder fees, collection costs, and interest for the delayed period will be charged.

Credit Terms

The invoice and credit provider is Collector Bank AB, organization number 556597-0513, which is the registered holder of the Walley trademark. Lilla Bommens Torg 11, Box 11914, SE-404 39. More information at

You can find complete terms and information about Walley Invoice and Account Credit from the following links:

Detailed service description:

General invoice and account credit terms:

Standard European Consumer Credit Terms:

Jousto Invoice

Jousto invoice and instalment is a domestic service that allows you to make purchases quickly and securely. Jousto is intended for private individuals who have managed their finances impeccably.

With Jousto, you get 30 days of interest-free payment time. A billing fee of €2.90 is added to the purchase. Once you receive the invoice, you can decide whether to pay it in whole or instalments. With an instalment, you can pay your purchase in up to 36 instalments, starting at €9.90/month. Jousto instalment costs are €3.90/month and 19.90% credit interest. You can make purchases of €30–3,000 with Jousto.

Shopping with Jousto is safe. During your first purchase, you perform a robust electronic authentication. As a returning customer, you can authenticate easily using a one-time code sent to your phone. An automated real-time credit decision is made for each purchase. The payment transaction and data transmission always take place in a secure connection. The invoice is sent by email. Aurajoki Nordic Oy is the credit provider.

Learn more about Jousto at Jousto - the most convenient payment method for online shopping!