Payment methods

Paying for purchases is safe and easy in the Karkkainen.com online store. Karkkainen.com does not store any sensitive material. You enter all credit card or bank payment information yourself directly on the site of bank or on payment service provider (Paytrail). We use an encrypted SSL connection for communication connections.

Karkkainen.com is a marketplace platform, where several different Marketplace merchants operate, in addition to Kärkkäinen.

The following Paytrail payment methods are available for orders containing marketplace products: Bank payment, credit card payment and mobile payment. It is not possible to choose a Svea invoice, Installment payment or Company invoice, Walley invoice, OP Tililutotto or Kärkkäinen gift card as the payment method for an order containing marketplace products.

Contact info of the payment service provider

Paytrail Oyj
Y-tunnus: 2122839-7
Innova 2
Lutakonaukio 7
40100 Jyväskylä
Puhelin: 020 718 1830
Sähköposti: maksutiedustelut@paytrail.com
www.paytrail.com

Bank payment

You can pay the order using the payment button of any Finnish bank, either based on the eBanking interfaces or open banking interfaces offered by the banks. You can pay with the payment buttons of Aktia, Danske Bank, Nordea, Oma Säästöpanki, Osuuspanki, POP bank, Säästöpanki, S-banken and Ålandsbanken. Your bank statement shows Paytrail Oyj as the payee, which takes care of forwarding payments in our online store. From the online store, you will be directed directly to your own bank to make the payment securely.

Credit card payment

You can pay in our online store with Visa and Mastercard cards. The online store uses the international Verified by Visa and Mastercard SecureCode authentication services. Paytrail Oyj appears as the payee on the card invoice and forwards your payment card payment to our online store. Card payment is made using a securely protected payment form, and the payment card information is not stored in the online store's systems.

Mobile payment

Mobile payment methods Siirto and MobilePay are services that work in the application, with which you can pay for online purchases as a bank transfer from your account or as a card payment from your card by accepting the payment in the respective application.

You can find the terms and conditions of MobilePay here. Conditions applicable to transfer payments: OP's general euro payment conditions can be found here and the terms of use of the Transfer service at Nordea can be found here.

Invoice and installment services

• Svea Bank AB invoice and installment payment are a reliable and easy way to pay for your purchase only after the purchase. With the invoice, you get 30 days interest-free payment period for your purchases, and after receiving the invoice, you can choose whether you want to pay the entire order at once or in smaller monthly installments. With installment payments, you can choose a fixed payment period between 3 months and 36 months. Installment payment is currently only available to consumers. The consumer invoice is delivered by e-mail and the business invoice by letter. Familiarize yourself with the terms and conditions of the credit here in advance and save or print the general terms and conditions of Installment Payment and the Standard European Consumer Credit Information. .
with the invoice, you get 30 days interest-free payment period for your purchase. You can pay the entire invoice amount at once or, if you are granted a credit agreement, divide the payment into smaller parts. Paying the invoice in installments requires that, after receiving the invoice, you sign a credit agreement with Walley on My Pages at my.walley.fi. Walley sends the invoice about 5 days after placing the order. You can already log in to the MyWalley pages, or download the Walley app from your app store. In the Walley app, you can see an overview of your invoices, move due dates and stop invoicing if you have returned products. Read more about Walley's payment methods and familiarize yourself with Walley's credit conditions here.
• OP Tililuotto is a flexible and secure payment method for larger purchases. OP Account credit can be applied for purchases over EUR 1,500 up to EUR 20,000 if you are at least 23 years old and have a Finnish bank domain name. The credit is applied for in advance before placing the order, and it is intended for customers of all banks. With a credit card, you get a 30-day interest-free payment period for the purchase and the option to pay in installments. Apply for OP Tililuttoa here with the credit limit you want for a larger purchase of more than 1,500 euros before placing the order. After receiving the credit decision, select OP Tililuotto as the payment method at the online store checkout. Find out about the costs and conditions of the payment method on OP's website.




Payment via Kärkkäinen gift card

Kärkkäinen's gift card can be used as a payment method both in the online store and in all department stores. You can pay the entire amount of the order with a gift card, or use it partially. If the total amount of your order is higher than the amount of your gift card, you can pay the remaining amount using any other online payment method. Please note that this payment method is not used for orders containing marketplace products.