Payment service provider

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

Paytrail Oyj, business ID: 2122839-7
Innova 2
Lutakonaukio 7
40100 Jyväskylä
Phone: 020 718 1830
www.paytrail.com


Collector Invoice/Part Payment

Flexibility and freedom of choice - pay all at once or in parts, at the pace you choose

Invoice and account credit give you more time to pay for your online shopping purchases. Using them, you can wait for your order to arrive in peace before paying for it. You can make the payment either all at once with an invoice or in smaller parts with an account credit, in which case you can pay the amount that suits you best each month and spread the payment over a maximum of 36 months. 45 days interest-free payment period for your online shopping purchases. The long payment period enables you to check 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 in connection with the purchase. You can apply for it if you are at least 18 years old and have a Finnish social security 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 of up to €5,000.

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 bill in smaller parts and with a payment period that suits you better (1-36 months), you should enter into a credit agreement regarding continuous credit with Collector Bank by logging in to Omi Pages at oma.collector.fi. Upon signing the credit agreement, you will be granted a credit limit that can be used for subsequent purchases in accordance with the credit terms.

When you have a valid credit agreement, you must pay by the due date only the minimum amount stated on the invoice you receive, but you can also pay a larger amount if you wish. After that, you will be sent a monthly invoice by e-mail until the loan is fully paid. If you always want, you can shorten your credit in parts larger than the minimum amount mentioned on the invoice.

Credit costs and credit example: In the MERCHANT'S NAME online store, the campaign conditions apply, according to which the interest on the account credit is 19.2% expressed as a nominal annual interest rate and the monthly payment is €2.95 per month. If the granted credit limit is €1,000 and it has been used in its entirety for purchases made from the MERCHANT'S NAME online store and the credit is repaid within 36 months, with the applicable campaign terms, the effective annual interest rate is 28.5%, the total amount of credit costs is €402, the total amount to be paid is €1,402 and the number of installments is 36 . Late payments will be charged with statutory reminder fees and collection costs, as well as interest for the delayed period.

Credit terms

The issuer of the invoice and credit is Collector Bank AB, Lilla Bommens Torg 11, Box 11914, SE-404 39. More information

You can get complete terms and information about Collector Invoice and Account Credit from the following links:
More detailed service description: https://www.collector.fi/henkiloasiakkat/maksa-laskulla/
General terms and conditions for invoice and account credit:
Standard European consumer credit terms: https://www.collector.se/upload/Partners/Agreements/SVM/SECCI_FI.pdf