Online bank payments made through Paytrail follow a clear, secure flow that ensures your payment reaches the correct business. Your bank first transfers the money to Paytrail’s customer reserve account, the business receives an instant confirmation, and Paytrail forwards the funds to their account. Understanding this path helps you verify bank statement details and avoid errors when making repeat payments.
How the online bank payment flow works
The payment flow moves through three stages. Follow the steps below to understand how your bank, Paytrail and the business interact during an online bank payment:
- After you approve the payment in your bank’s system, the money is transferred to Paytrail’s customer reserve account.
- This is why Paytrail appears as the payment recipient on your bank statement. (Account numbers include FI2650000120480743, FI3150000120480750 and FI3050000120480768.)
- The business receives a notification that the payment has been completed successfully.
- The money is transferred from Paytrail’s account to the business’s account.
Note! Do not make direct transfers to Paytrail account numbers shown in your online bank, because the payment will not be routed to the correct recipient.
If you need to make another payment to the same business (for example for an order addition, delivery fee, rent, phone service, membership fee or donation), do not copy the details from a previous Paytrail payment in your online bank. The money would be sent to Paytrail’s account and would not reach the business.
How to make a new payment correctly
- Make a new payment on the business’s website, app or customer portal.
- Or contact the business to request their own bank account number and pay them directly via your online bank.
Paytrail account numbers include are FI2650000120480743, FI3150000120480750 and FI3050000120480768. Do not use these account numbers.
Compare the two payments in your online bank. The reference number determines how the payment was processed. Choose the situation that matches what you see:
Both payments have the same reference number
The second payment may not have been routed correctly. Follow these steps so Paytrail can review the situation:
- Open each payment in your online bank and collect the required details: name, date, amount, reference number and archive ID. Take a screenshot or download a receipt so all information is clearly visible.
- Send the screenshots or receipts to Paytrail via website chat or by email.
We will look into the situation and get back to you.
The payments have different reference numbers
Each payment was made correctly through Paytrail’s service and forwarded to the business normally. Everything should be fine and no further action is needed unless you meant to pay only once.
If you only intended to make one payment, contact the business so they can review the situation.
One payment has a reference number and the other has a message
The second payment may not have been routed correctly. Follow these steps so Paytrail can review the situation:
- Open each payment in your online bank and collect the required details: name, date, amount, reference number and archive ID. Take a screenshot or download a receipt so all information is clearly visible.
- Send the screenshots or receipts to Paytrail via website chat or by email.
We will look into the situation and get back to you.