BNPL & invoice: OP Lasku (Invoice)

1. Log in to the Merchant panel
2. From left-hand menu, select Payment methods
3. Find OP Lasku (Invoice) and click Activate

Optional: You can also download the OP Lasku calculator to use on your online store:

1. Click the download link
2. Unzip the file and open the HTML file called lue-minut.html
3. The file provides setup instructions in Finnish

Before activating, please review the OP Lasku (Invoice) terms and conditions.

Refunds are made through the Merchant panel and go directly to the financial institution, credited to the original invoice.

1. Log in to the Merchant panel
2. From left-hand menu, select Payments
3. Search for the payment (by name, date, or amount). Read our article on how to search for payments
4. Open the payment and scroll down to Order details and refunds
5. Enter the refund amount and any internal notes, then click Refund

Learn how to create a refund in the Merchant panel.

When a consumer chooses OP Lasku (Invoice) at checkout, the credit decision is made immediately. The consumer can then decide whether to pay the full amount or in installments.

• To use the payment method, consumers must be at least 20 years old, reside in Finland, have the ability to pay and have Finnish online banking credentials
• Credit decisions are based on OP’s overall credit assessment, which includes checking the customer’s credit information as well as requesting details about income and debts.
• OP Lasku (Invoice) offers a 45-day interest-free payment period and the option to pay in installments. A 2,95€ account management fee is added to the invoice. If the consumer chooses to pay in installments, the annual interest rate is 18.50%. If the consumer pays only the minimum amount of the invoice, the payment automatically switches to an installment plan.
• Consumers can pay the full amount or choose monthly installments
• Invoices are sent via email and SMS. An online service is also available for managing invoices
• OP Lasku FAQs are available on OP’s website