Walley

Walley is one of the leading payment methods in the Nordics, providing shoppers with a loyal and seamless buy now, pay later experience. The customer base is growing and currently has 4 million active users. With extensive experience in credit risk and collections, Walley is able to support both B2C and B2B payments with a high authorization rate

With Walley invoices, you get interest-free payment time for your purchases. To take advantage of this payment time, you need a positive credit decision, which is easy to get during the purchase process. If you are over 18 years old and have a Finnish personal ID number and a permanent official home address in Finland, you can apply.

Interest-free, payment time with invoice - safe and simple

With Walley, you always get 30 days of interest-free payment time for online purchases. The extended payment time allows you to check your purchases before the invoice due date and return them if necessary.

Walley can be used for purchases up to €5,000.

Once you receive a positive credit decision and confirm the purchase, you will receive an invoice for the purchase via email. If you want to pay your invoices in installments and over a longer period of time, you will need to enter into a revolving credit agreement after receiving your first invoice by logging into the Walley app or website my.walley.fi. Walley will conduct a credit check before entering into a credit agreement with you. Your credit information is checked from the register of Bisnode Finland Oy.

You only have to pay the amount stated on your invoice by the due date, but you can pay more if you want. After that, you will receive monthly bills by email until the credit is paid in full. You can always repay more than the minimum amount stated on your bill.

Walley offers users an app to track upcoming payments and view paid invoices. By allowing notifications in the app, you will be reminded when it is time to pay. In the app you can:

• View all invoices and check their status
• Postpone invoice due dates
• Suspend invoicing while returns are being processed
• Provide refund account number
• Read FAQs

Handling returns and cancellations

When you return/cancel a purchase within the return/cancellation period provided by the online business, your return information will be automatically transmitted to Norion Bank. If you have agreed with the online business to return only part of your purchase, the return amount can be deducted from the total invoice amount received. When making a partial payment, the refund amount will be automatically deducted from the credit total, which will appear on the next invoice you receive.

Credit decision

Using a payment method requires a credit decision, for which you will be asked to provide your personal information. The data is transmitted over a secure SSL/TLS protected connection. The credit provider Norion Bank verifies your personal and address information from the Population Information System and checks your credit information from the credit information register of Bisnode Finland Oy. The credit decision you receive is influenced by factors such as your possible history as a Norion Bank customer. If you receive a negative credit decision, please contact Walley's Customer Service for more information. Please note that a voluntary credit ban or encrypted address information may result in 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.