Payment Methods

Our e-commerce payment methods are  

online banking of Finnish banks,

credit cards (Mastercard, Visa and Visa Electron), 

MobilePay, as well

Walley Invoice / Installment.


payment service providers

Paytrail Corporation

Paytrail Oyj (2122839-7) acts as a payment intermediary service provider and payment service provider in cooperation with Finnish banks and credit institutions. Paytrail Oyj appears as the payee on a bank statement or card invoice and forwards the payment to the merchant. Paytrail Oyj has a payment institution license. In the event of a complaint, please contact the product supplier in the first instance.

Paytrail plc, Business ID: 2122839-7
Innova 2
Lutakon aukio 7
40100 Jyväskylä
Phone: 020 718 1830

Walley Invoice / Installment

Flexibility and freedom of choice - pay in one go or in installments at the pace you choose

An invoice and account credit will give you more time to pay for your ecommerce purchases. Using them, you can wait for your order to arrive in peace before paying it. You can make a payment either with a single invoice or, in smaller installments, with an overdraft, allowing you to make the amount that works best for you each month and spread the payment over a maximum of 36 months.

Free payment on invoice - safe and easy to use

With the invoice, you always get 45 days interest-free payment period for your e-commerce purchases. The long payment period allows you time to review your purchase and, if necessary, return it before the invoice is due.

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

The payment method can be used for purchases up to € 5.

Once you have received a positive credit decision and confirmed the purchase, you will receive an invoice for your purchase in your email. If you want to pay the invoice in smaller parts and with a payment period that suits you better (1-36 months), you must enter into a credit agreement with Collector Bank AB for a continuous credit by logging in to My Page at Upon signing the credit agreement, you will be granted a credit limit that is available for subsequent purchases in accordance with the credit terms.

When you have a valid credit agreement, you will only have to pay the minimum amount indicated on the invoice you received by the due date, but you can also pay a higher amount if you wish. You will then be sent a monthly email invoice until your credit is fully paid. If you wish, you can also reduce your credit in installments greater than the minimum amount stated on your invoice.

Credit costs and credit example: In the Upcycler Helsinki online store, campaign conditions apply, according to which the interest rate on the overdraft is 19,2% expressed as a nominal annual interest rate and the monthly fee is € 2,95 per month (€ 3,80 on the first invoice). If the granted credit limit is € 1 and it has been used in full for purchases made from the Upcycler Helsinki online store and the credit is repaid within 000 months, the applicable promotional terms are 36% annual interest, total credit costs € 28,6, total payable € 403 and 1 installments . Late payments will be subject to statutory reminder fees and collection costs, as well as interest for the period of delay.

credit terms

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

You can get 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:

Terms of service

Return Policy

General Terms of Use