Walley - Buy now, Pay later service

What is Walley?

By choosing Walley, you don't pay when placing your order instead you will receive an invoice from Walley later. When you receive the invoice, you can either pay the entire amount at once or make monthly partial payments over a maximum of 36 months. When you select Walley as the payment method, Walley immediately grants or denies the credit request. 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. 


Extended payment time with an invoice - safe and easy transaction

With an invoice, you get a 30 days interest-free payment period. 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 when making a 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.

Walley can be used for purchases of up to 5,000€. When 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 invoice in partial payments (1-36 months), after receiving the first invoice, you should enter into a credit agreement regarding continuous credit with Norion Bank by logging into My Pages at my.walley.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 should pay the minimum amount stated on the invoice you received by the due date. You can also pay more than the minimum amount, if desired. You will be emailed a monthly invoice until the amount is fully paid. If you wish, you can always reduce your credit in installments larger than the minimum amount stated on the invoice.


Credit costs and example

In the 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 fee is 3,80€. If the granted credit limit is 1,000€ and it has been used in its entirety for online purchases and the amount is repaid within 36 months, with the applicable campaign terms, the effective annual interest rate is 30.7%, the total amount of credit costs is 433€, the total amount to be paid is 1,433€ and the number of payments is 36. Late payments will be charged with statutory reminder fees and collection costs, as well as interest for the delayed period.

Walley customer service

For any questions related to invoices or payment of the purchase, contact Walley's customer service:

Walley app

Walley offers its users an app that allows you see future payments and invoices that have already been paid. By enabling notifications in the app, you'll get a reminder when it's time to pay. In the application it is possible to:

  • see all your invoices and check the status of invoices

  • change the due date of an invoice

  • pause invoicing during a return

  • provide your account number for a refund

  • read FAQ

Processing returns and cancellations

When you return/cancel your purchase within the return/cancellation period offered by the online business, the information about your return is automatically transmitted to Norion Bank. If you have agreed with the online business on returning only a part of your purchase, you can deduct the amount of the return from the total amount of the invoice you have already received. When making partial payments, the amount of your refund is automatically deducted from the total amount of the credit, which will appears on the next invoice you receive.

If it is a refund of an already paid invoice, inform Walley of your account number so they can return the payment. The easiest way to provide your account number is to log in to the Walley app or via my.walley.fi. You can download the Walley app from Google Play Store or Apple App Store for free. 

Credit decision

Using the payment method requires a credit decision, and for this you will be asked for your personal information. Data is transmitted via a secure SLL/TLS protected connection. Credit provider Norion Bank verifies your personal and address information from the population information system and checks your credit information from Bisnode Finland Oy's credit information register. The credit decision you receive is influenced, among other things, by your possible history as a customer of Norion Bank. If you receive a negative credit decision, you can ask the reason for it from Walley's customer service. Please note that a voluntary credit ban or encrypted address information can lead to a negative credit decision. The personal identification number or credit decision information you provide will not be stored in the merchant's customer data register.

Data protection 

More information on checking your own data and your other rights as well as personal data processing and automatic decision-making is available on Walley's website


Credit terms

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

You can get complete terms and information about Walley from the following links:

Detailed service description 

General payment terms

Standard European consumer credit information 

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