Payments & Refunds | Customer Service

What payment methods can I use?

At IVALO.COM, we use the following payment methods.

Card payment methods

• VISA
• MasterCard
• American Express
• UnionPay
• Maestro

Mobile payment methods

• MobilePay
• Pivo
• OP Transfer

Express payment methods

• Apple Pay
• Google Pay
• Shop Pay

Bank payment methods

• Osuuspankki  (OP)
• Nordea
• Danske Bank
• S-Pankki
• POP Pankki
• Oma SP
• Aktia
• Handelsbanken
• Säästöpankki
• Ålandsbanken
• iDEAL
• Bancontact

Invoicing and installment payment methods

• OP Lasku
• Walley

It is rare, but not unusual, that sometimes there can be a delay in the payment transfer. If the payment has created a payment transaction to your bank account, there is a delay in its transfer from Paytrail to our system. Usually, the payment is transferred to our system and creates an order within 1-3 days. You will receive an order confirmation in your email once the order has been created and the payment gone through to our shop.

In unclear situations, please contact our customer service with a screenshot showing the payment transaction's filing ID, amount and reference number.

Reimbursement is made within 14 days of returning the product. If the brand has not yet received your product within 14 days of your return, we will make the return as soon as it has arrived at the brand’s warehouse. 

Please make a return following our instructions to receive a refund within 14 days.

When is the money back in my account?

Depending on the bank traffic, it takes about 1-5 banking days for the funds to arrive to the original payment method.

Where will the refund be sent?

You will be refunded to the payment method you used to place the order. If you have chosen invoice as a payment method, you'll find additional information below.

I can't see the refund in my account?

If you have used Paytrail as a payment method when purchasing the order and have already received a confirmation from us that your refund has been processed, but you still can't locate the payment from your account, kindly see the instructions below (these are directly from Paytrail's support site, you'll be re-directed to their site by clicking here).

Online bank refund:

• It usually takes a few business days to process the refund due to the money being transferred between banks.
• The refund is made to the account where you originally made the payment from. Please note that the refund may also appear in your online bank on the original payment date.

Card refunds (debit/credit cards and MobilePay):

• The credit to your card can appear in different ways: 

• As a credit in card transactions (Note! So not in account transactions, but specifically in card transactions). The credit can appear either 1-15 banking days after the refund is initiated, or on the original payment date.
• As a credit on your credit card statement. In this case, the credit will not necessarily appear on the card transactions, but the credit has been taken into account and can be seen on the next billing cycle.
• If needed, you can contact your card issuer if you are not sure how the refund will be handled.

Refunds made to invoices (Walley, Jousto or OP Lasku):

• Information about the refund is automatically forwarded to the Buy now, Pay later service. Most Buy now, Pay later services have their own portal where you can check the status of the refund.
• If you return part of your order, you can deduct that amount from the total amount of the invoice you have already received. In the case you are paying in installments, the amount of your refund is automatically deducted from the total amount of the loan.
• If you have already paid the invoice and you are entitled to a refund, please contact the Buy now, Pay later service regarding the refund of the overpayment.

If after following the above instructions you're still unable to find the refund, kindly reach out to our customer service.

Information about the return goes from our system to the biller automatically.

The invoice is sent 14 days before the due date. If you have managed to make a return before this, the returned products will be credited to the open invoice.

You can deduct the amount of returned products from the invoice and pay only the products you keep and any invoice processing fee. A separate invoice is therefore not sent with an updated final amount.

I already paid the invoice and have made a refund since then. How can I get my refund?

If you have already paid the invoice and decide to return a product, the refund will be made directly from the invoice company. Please contact us in this situation so that we can contact the invoicing company in question on your behalf. 

I have paid part of the order with a gift card, how will the payment be refunded?

The refund is made to the original payment method and if you have paid part of the returned product with a gift card, the partial amount will be transferred back to the gift card.

Can I have an invoice for my business?

Yes! Walley business invoice makes it easy for business customers to purchase online and pay by invoice. Walley handles invoicing and finances the purchase based on its credit decision. Business customers have a 30-day interest-free payment period.

Learn more about how Walley business invoice works.