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On the basic metrics alone, the score was 58.8 and the rank 5. The score is now 29.4 and rank 5 (no change). The difference comes from the buying motives: they measure what a buyer asks before deciding.
Riverty (ent. AfterPay) on ennen kaikkea kauppiaille suunnattu osta nyt, maksa myöhemmin- ja perintätalo, jonka suomenkielinen sivusto on brändi- ja neuvontapainotteinen. Yhteystiedot, aukioloajat ja chat-tuki kerrotaan esimerkillisen avoimesti, mutta kuluttajan näkökulmasta euromääräiset laskutuslisät, erämaksun korko ja perintäkulut eivät näy julkisesti vaan määräytyvät kauppakohtaisesti ja tulevat esiin vasta laskulla.
Buying motives were checked on 12.10.2026 and basic metrics measured on 9.8.2026 from public sources. The same formula for everyone, read the full methodology.
| Actual annual interest rate of the instalment payment | 22 p × 0.0 % | 0.0 |
| Interest-free payment period | 12 p × 0.0 % | 0.0 |
| Monthly cost | 10 p × 0.0 % | 0.0 |
| Due date postponement | 6 p × 0.0 % | 0.0 |
| Basic metrics | 50 % × 58,8 | 29.4 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Actual annual interest rate of the instalment payment | Riverty's Finnish-language consumer pages (front page, Back in Flow, customer service) do not state the instalment interest rate. The pages direct users to open invoices and debt collection services. | riverty.com, home page · riverty.com, Back in Flow · riverty.com, customer service checked 12.10.2026 | 0.0 / 22 |
| Interest-free payment period | The payment period is not stated on Riverty's Finnish front page, the Back in Flow page or the customer service page. | riverty.com, home page · riverty.com, Back in Flow · riverty.com, customer service checked 12.10.2026 | 0.0 / 12 |
| Monthly cost | Monthly costs are not given on Riverty's Finnish-language front page, the Back in Flow page or the customer service page. | riverty.com, home page · riverty.com, Back in Flow · riverty.com, customer service checked 12.10.2026 | 0.0 / 10 |
| Due date postponement | Postponing the due date is not mentioned on Riverty's Finnish front page, the Back in Flow page or the customer service page. | riverty.com, home page · riverty.com, Back in Flow · riverty.com, customer service checked 12.10.2026 | 0.0 / 6 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 69,5 | 20.8 |
| Transparency | 30 % × 32,5 | 9.8 |
| Reachability | 20 % × 95,0 | 19.0 |
| AI quality score | 20 % × 46,1 | 9.2 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 44/100 | Technical measurement | 17.6 / 40 |
| Accessibility | 92/100 | Technical measurement | 27.6 / 30 |
| Findability (SEO) | 85/100 | Technical measurement | 12.8 / 15 |
| Technical practices | 77/100 | Technical measurement | 11.6 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Invoicing or payment method surcharge displayed in euros OBSERVATIONriverty.com/fi-fi -kuluttajasivut eivät esitä euromääräistä laskutuslisää; hinnoittelu on kauppakohtaista eikä näy julkisilla sivuilla. | No | Website + AI extraction | 0.0 / 25 |
| Interest-free payment period (in days) stated OBSERVATIONMaksutavat/etusivu: 'Riverty ... antaa sinulle mahdollisuuden päättää itse milloin haluat maksaa ostoksesi', maksu myöhemmin -malli kuvataan, korotonta maksuaikaa ei päivinä. | Partly | Website + AI extraction | 10.0 / 20 |
| Effective annual interest rate or credit interest of instalments displayed OBSERVATIONerämaksun luottokorkoa tai todellista vuosikorkoa ei esitetä ladatuilla kuluttajasivuilla. | No | Website + AI extraction | 0.0 / 20 |
| Payment reminder and debt collection fees stated OBSERVATIONAsiakaspalvelu: perintä ja Back in Flow -maksusuunnitelmat kuvataan, mutta muistutus- tai perintäkulujen euromääriä ei ilmoiteta. | Partly | Website + AI extraction | 7.5 / 15 |
| Lender or Business ID shown OBSERVATIONsivut esiintyvät nimellä Riverty ja tarjoavat täydet suomalaiset yhteystiedot, mutta luotonantajayhtiötä Riverty Finland Oy tai Y-tunnusta ei mainita ladatuilla sivuilla. | Partly | Website + AI extraction | 5.0 / 10 |
| Finnish-language contract terms and support OBSERVATIONKoko sivusto ja ohjeosio ovat suomeksi; asiakaspalvelu suomeksi puhelimitse (02 279 2000, ma-pe 8-17) ja sähköpostitse info.fi@riverty.com. | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown | Yes | Website + AI extraction | 15.0 / 15 |
| Chat support | Yes | Website + AI extraction | 15.0 / 15 |
| Opening hours shown | Yes | Website + AI extraction | 15.0 / 15 |
| FAQ section | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app | Partly | Website + AI extraction | 5.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 56/100 | AI analysis | 19.0 / 34 |
| Findability of pricing | 20/100 | AI analysis | 6.6 / 33 |
| Content coverage | 62/100 | AI analysis | 20.5 / 33 |
Are you a customer of the Riverty service? Share your experience. Does not affect the Suomen Paras Score, the score is based on measurable data only.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +70.1 points: 29.4 → 99.5, rank 5 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The partner badge is a free mark of cooperation with the Suomen Paras comparison. It does not claim a ranking; any partner of ours can add it: companies included in the comparison, our customers and our cooperation partners, and it works as a link to this public profile.
