Payment options

Online shopping

1. Online payment using debit cards

You can pay for your online order using Visa, MasterCard, or Maestro debit cards. Before you can pay for the online order using debit cards, you have to wait for an online sales operator to call you and confirm it. 

Once your order is confirmed, you’ll be able to pay for it on the Tri O website. Log into your Tri O account and enter all the information required for transaction authorization. Click on the payment link next to the current order that you wish to pay. This link will lead you to a secure online payment page of Komercijalna Banka JSC. Enter your debit card details on the page and click to confirm the payment. In case of reimbursement, the money will be refunded to the card used for payment.

2. Collect on delivery

When the Tri O company or a courier service delivers your online order, you may choose to pay for it on delivery using cash or checks.

3. Direct payment to the Tri O bank account

You can pay for your online order by transferring funds directly to the Tri O bank account. Fill out a payment slip at any bank, post, or through your web banking account. Make sure to use the reference number that’s assigned when ordering.

4.  Kom4pay

Clients of Komercijalna Banka have another payment method available. They can pay for their online orders using the an eBanking option called KOM4Pay. Any Komercijalna Banka client that uses eBanking can choose to pay for a Tri O order this way.

KOM4Pay enables you to complete online payments without using your debit card, entering the account number, PIN, or any other sensitive information. By initiating KOM4Pay payment, the user is redirected to the page for accessing Komercijalna Banka eBanking page.

Every payment order is approved by the client when they enter their username and password for Komercijalna Banka eBanking and a one-time code (sent by SMS or mToken). Only the client has access to this information.

The payment is completed by crediting the client’s checking account for the amount of purchase without any additional costs for the client. For more information about this service, please visit http://www.kombank.com/k4p

You can activate Komercijalna Banka eBanking service and a checking account without going to the bank. Visit the Komercijalna Banka website and click on the ‘Open a set of accounts’ button.

For accessing this option, please visit: https://ebanking.kombank.com/WEB3/Account/Login?ReturnUrl=%2fWEB3%2f

Shopping at the Tri O retail locations

1. Cash payments

You can pay for the goods purchased in our brick-and-mortar stores using cash.

2. Debit cards

We accept the following debit cards in our retail locations: Dina, Maestro, Visa, Visa Electron, Master Card, American Express, Post Card (debit cards of Poštanska Štedionica).

Clients of certain banks have the option of payment in installments. Purchases at the Tri O stores can be charged in 12 interest-free monthly installments for Banca Intesa clients; in 24 interest-free monthly installments for Masterata Societe Generale clients; in 6 interest-free monthly installments for Komercijalna Banka clients; or in 6 interest-free monthly installments for Poštanska Štedionica clients.

3. Direct payment to the Tri O bank account

You can pay for your order by transferring funds directly to the Tri O bank account. Fill out a payment slip at any bank, post, or through your web banking account. Make sure to use the reference number that’s assigned when ordering. Legal entities can pick up their order after paying the advance on goods.

4. Checks

Personal checks, up to 12 monthly installments without interest (the first installment is paid right away, and the rest in the upcoming months).

Personal checks, up to 24 monthly installments with interest (the first installment is paid right away, and the rest in the upcoming months).

5. Commercial bank loans

You can pay for your order using a loan by one of the commercial banks we cooperate with:

Raiffeisen bank loans

Necessary documentation:
• For employed customers (authorized request from the employer and a copy of ID)
• For retired customers (last two pension checks and a copy of ID)

Maximum loan amount: 60.000,00 RSD

Repayment period: 3-48 months

Loan approval time: 2-3 days

Interest:

• For employed customers: 2,5% of the remaining amount per month

• For retired customers: 2,5% of the remaining amount per month

Loans are approved to clients with long-term employment contracts and retirees whose loan repayment period ends no later than their 68th birthday.

Societe Generale bank loans

Necessary documentation: • For employed customers (authorized request from the employer and a copy of ID)
• For retired customers (last two pension checks and a copy of ID)

Minimum loan amount: 10.000 RSD

Repayment period: 6-36 months

Loan approval time: 2-3 days

Interest:

• For employed customers: 2,4% of the remaining amount per month

• For retired customers younger than 70: 2,4% of the remaining amount per month

• For retired customers 70-75 years old: 2,5% of the remaining amount per month

Loans are approved to clients with long-term employment contracts and retirees whose loan repayment period ends no later than their 75th birthday.

Terms of installment purchase:

6. Union loans (through attachment to salary)

For this type of loan to be accepted as a payment method in our retail locations, the Tri O company must have a signed agreement with the union of the company where the customer works.

Necessary documentation: loan request certified by the employer, bank note, statement about installment payment.

Loan amount: 50.000 RSD

Repayment periods: 3, 6, 9, and 12 months

Loan approval time: 1 day

Loans are approved to all customers who have a long-term employment contract and whose installment is no higher than 30% of their monthly salary.