Online Banking

The payment intermediation service related to online banking payments is implemented by Paytrail Oyj (2122839-7) in cooperation with Finnish banks and credit institutions. From the user's point of view, the service works just like traditional online payment.

Payments by Visa, Visa Electron or MasterCard

If you want to pay with Visa, Visa Electron or MasterCard, Sobat Oy only acts as a marketer of products and services and also delivers the products to the buyer. Paytrail Oyj handles the transmission of payments and is responsible for complaints.

Paytrail Oyj acts as the seller of the product for payments made with Visa, Visa Electron or MasterCard cards, and the transaction arises between the customer and Paytrail Oyj. The seller is responsible for all obligations related to the transaction. Paytrail Oyj is also the recipient of the payment.


Collector offers an invoicing option, to which Collector Bank adds an invoicing fee of € 3.80. The billing surcharge will be on the invoice sent by Collector.

Jousto offers an invoicing option. You get a month's payment period for your purchase. When you pay with an invoice, you do not pay interest at all. Only a billing surcharge of € 2.90 is added to the invoice.

Paytrail Oyj

Innova 2

Lutakonaukio 7

40100 Jyväskylä

Phone: +358 600 41005

business ID: 2122839-7