OP Lasku (Invoice) is a buy now, pay later payment method that allows customers to pay for purchases by invoice or in installments. When a customer chooses OP Lasku at checkout, the credit decision is made immediately. Learn about the benefits of OP Lasku, who can offer it, customer fees, and how to activate it in the Merchant panel.
Merchant fees for OP Lasku payments follow Paytrail pricing. Customer fees are determined by OP Lasku.
Benefits for the customer
- Available for financing online purchases up to 5,000 euros
- Can be used regardless of the customer’s bank
- Offers a 45-day interest-free payment period
- Customers can choose whether to pay the full amount or in installments
- Credit decision is made immediately during checkout
- OP automatically manages invoicing and installment payments
See how OP Lasku works for your customers.
Who can use OP Lasku?
OP Lasku is available to Paytrail merchants who meet the requirements for offering invoice and installment payment methods. Activation requires approval from OP Bank.
Before activating OP Lasku, review the applicable terms in the Paytrail terms and conditions.
Step-by-step: Activate OP Lasku in the Merchant Panel
- Sign in to the Merchant Panel.
- From the left-hand menu, select Payment methods.
- Find OP Lasku and click Activate.
OP Lasku calculator
You can also download the OP Lasku calculator for use on your online store. The calculator helps customers estimate installment payments before completing their purchase.
- Download the OP Lasku calculator package.
- Unzip the downloaded file and open lue-minut.html.
- Follow the setup instructions included in the file. The instructions are available in Finnish.