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Payment methods

Paytrail

Paytrail Oyj, 2122839-7 Innova 2 Lutakonaukio 7 40100 JYVÄSKYLÄ Finland asiakaspalvelu@paytrail.com Tel. +358 207 181830 (weekdays 8-19 UTC +2/3)

Service description

Paytrail Plc (Paytrail) is a payment institution under the supervision of the Financial Supervisory Authority and acts as a payment service provider for sellers. Paytrail transmits customer's (consumer, company or community) payments to the seller. Payment can be made through payment methods supported or produced by Paytrail's payment service that the trader has agreed to access through the Paytrail service. Message about your payment is forwarded to the seller without any delay.

Right to return

According to the Consumer Protection Policy you have the right to return the goods and in doing so, you can contact the seller directly.

Information about payment methods

Paytrail Plc will be shown as a recipient in the online service of bank. Payment is accounted for the merchant. In payments made with debit or credit card Paytrail Oyj will be shown as the recipient in the invoice and Paytrail Oyj will forward the payment to the merchant. In the case of complaints, we ask you to contact the vendor first.

Voit valita alla olevista maksuvaihtoehdoista.

Paytrail-maksutavat Paytrail-maksutavat

Collector Lasku/Osamaksu

Collector Lasku/Osamaksu -palvelulla voit maksaa ostoksiasi jopa 5000 €:n saakka. Collector Laskulle saat korotonta* maksuaikaa aina vähintään 30 päivää ja jopa 60 päivää.Lasku erääntyy siis maksettavaksi vasta ostopäivää seuraavaan kalenterikuukauden viimeisenä päivänä. (* Maksuaikakorko on 0 %, ensimmäiseen laskuun lisätään 2,95 € laskutuspalkkio). Voit maksaa laskun koko loppusumman eräpäivänä pois tai halutessasi voit valita 1-36 kk:n osamaksuerät. Osamaksu käynnistyy automaattisesti maksettuasi laskuun merkityn minimi osamaksuerän. Halutessasi voit maksaa myös suurempia osamaksueriä tai maksaa koko loppusumman kerralla pois. Osamaksun korko on 1,6 % kuukaudessa, mikä vastaa 19,20 % nimellistä vuosikorkoa. Laskuun lisätään tilinhoitomaksu 2,95 € kuukaudessa, jolloin todellinen vuosikorko laskettuna 1000 €:n ostoksella on 21,3 %.

Valitessasi Collector Lasku/Osamaksun, saat tilaamasi tuotteet aina kotiin ennen niiden maksamista. Tämä tuo joustavuutta sekä turvallisuutta vaihtojen ja palautusten käsittelyyn. Collector Lasku/Osamaksua voi käyttää henkilö, joka on täyttänyt 20 vuotta ja jolla on moitteettomat luottotiedot. Teemme luottotietojen tarkastuksen tilauksen yhteydessä. Myöhästyneistä maksuista ja maksamattomista laskuista veloitetaan 5 euron muistutusmaksu sekä 1,6 % kuukausikorko viivästyneeltä ajalta.

Saatte täydelliset Collector Lasku/Osamaksun ehdot seuraavista linkeistä:

Klarna invoice

With Klarna invoice paying is safe and easy. You don’t have to give your credit card information and you receive products before you have to pay anything.

  • You receive products before you have to pay them
  • Payment time 14 days
  • You never have to give us your credit card information
  • 14 days change-and return policy
  • You can download the original invoice from klarna.com
  • Possibility to pay in parts

Payment terms

Klarna gives you 14 days to pay the invoice. This period starts from the day when your purchased items will be sent to you. Kaupan veloittama laskutusmaksu on 0 €. Laskun eräpäivä ilmenee laskusta.  

Maksun myöhästyessä Klarna perii muistutusmaksun 5,00 € ja viivästyskorkoa korkolain mukaan. Jos erääntynyttä laskua ei maksumuistutuksesta huolimatta makseta, saatava voidaan siirtää perintätoimistolle perittäväksi, jolloin perintäkuluja voi syntyä.

Credit check

At the time of purchase, Klarna checks the purchaser's creditworthiness. This in some cases requires verification of credits.

Laskun maksaminen joustavasti erissä

Kun olet saanut laskusi kotiin, voit koko laskun maksamisen sijaan hakea oikeutta maksaa lasku erissä Klarnan joustavan erämaksun ehtojen mukaan maksamalla vähemmän kuin laskussa ilmoitettu loppusumma (kuitenkin vähintään 1/24 laskun loppusummasta ja aina vähintään 5,00 euroa). Klarna vahvistaa hakemuksesi lähettämällä sinulle luottosopimuksen, jonka mukaan voit jatkaa laskun maksamista erissä, joiden koon päätät itse (kuitenkin vähintään 1/24 ja aina vähintään 5,00 euroa). Klarna lähettää sinulle maksuohjeistuksen kuukausittain. Mikäli hakemustasi ei hyväksytä, Klarna ilmoittaa tästä sinulle. Jos lasku on jo erääntynyt tässä vaiheessa, Klarna asettaa uuden eräpäivän eikä alkuperäisen maksun viivästymisestä aiheudu sinulle maksuja. 

Klarnan joustavan erämaksun ehtojen mukaisen luoton lainakorko on 19.90 %. Todellinen vuosikorko riippuu luoton määrästä ja ilmenee laskusta. Luottoon sovelletaan Klarnan yleisiä luottosopimusehtoja. Seuraamalla linkkiä löydät vakiomuotoiset eurooppalaiset kuluttajaluottotiedot Klarnan myöntämistä luotoista.

Henkilötietojen käsittely

Klarna käsittelee henkilötietojasi soveltuvan lain mukaisesti pääasiassa henkilön tunnistamiseen, asiakasanalyyseihin ja uottokelpoisuusarviointeihin, markkinointitarkoituksiin sekä liiketoiminnan kehittämiseen. Henkilötunnustasi käytetään asiakasnumerona Klarnan asiakastietojärjestelmässä. Tutustu Klarnantietoturvaselosteeseen, jos kaipaat lisätietoja siitä, miten Klarna käsittelee henkilötietoja.

Checkout

Checkout

Checkout is a secure payment method for you. The service is entered in the payment institution register maintained by the Financial Supervision Authority under the transitional provision of the Finnish Credit Institutions Act. The service is operated by Checkout Finland Ltd (Business ID 2196606-6) and Checkout Finland Ltd is owned by OP.

Checkout Finland Oy (2196606-6) transmits the payment to the merchant. You have access to all the Finnish banks' payment buttons, which means you can pay with Nordea, OP Bank, Säästöpankki,POP bank, Danske Bank, Handelsbanken, S-Bank, the Bank of Åland and LähiTapiola Bank. The payers account statement will show Checkout Finland Oy as the receiver of the payment. The payment will be transferred to the merchant by Checkout Finland Oy.

Payments by Visa, Visa Debit, Visa Electron, MasterCard, and Debit MasterCard cards are available. Card payments are made safe by Nets SSL-secured payment method. The web shop or Checkout Finland Oy has no access to your card information. No card information is stored in our systems. Verified by Visa and MasterCard SecureCode verification are enabled if active on your card.

This shop uses services provided by Checkout Finland Oy(2196606-6) for card payments. The web shop works as a marketer of products and services, as well as a supplier of products to the customer. The web shop is responsible for the statutory trade-related and self-determined obligations. With credit card payments, the trade is between the client and Checkout Finland Oy. Checkout Finland Oy is responsible for the obligations and claims related to card payments. Checkout is shown on the payers card invoice and transmits funds paid by the customer directly to the merchant.

Svea

Svea invoice

Svea Ekonomi Webpay (hereinafter referred to as “Svea”) offers You the possibility to make purchases against an invoice with a payment term of at least fourteen (14) days. When you pay with invoice you get PINS. Registerate your PINS at www.svea.fi/pins. Please note the following: 

When you choose “Pay with invoice”, we will check your credit information using your personal identity number.

The purchases are delivered to the address which is registered in the population register, or if you utilise so-called strong authentication with your online bank codes (TUPAS), to the delivery address you provide. The overdue interest is 7% + the reference rate based on the Interest Act. We charge EUR 5 for payment reminders. The buyer must be at least 18 years old.

Changing the invoice into a credit facility

You also have the opportunity to pay your invoice in instalments with our Ostoluotto Solution. With your invoice you will receive an Ostoluotto agreement and detailed terms for Ostoluotto. After you have carefully read and accepted the terms, just return them to us at Svea Ekonomi - after this you can pay your invoice in intalments by paying the minumum payment mentioned on the invoice.

You can pay the credit facility in full at any time without additional cost to you. If you want to utilise your account for other purchases during the agreement period, and the payment time of your credit is already the maximum possible, you have to increase your monthly instalment. Likewise, if you want to extend your payment time, you can reduce your monthly instalment. You may always contact customer service if you have questions concerning your credit, tel. +358 9 4242 3330 or email asiakasinfo@svea.fi.

Hire purchase

Svea Ekonomi Webpay  (hereinafter referred to as “Svea”) offers you the possibility to pay your purchases in instalments. This is possible once you have agreed the criteria for granting the credit and filled in your personal identity number at the cash register. If you utilise so-called strong authentication with your online bank codes (TUPAS), your purchases will be delivered to the delivery address you provide. Otherwise, the purchases are delivered to the address which is registered in the population register.

Choose the credit period most suitable to your needs. The credit has to be paid within the agreed period of time. This requires that you pay at least the agreed sum every month. You can naturally also pay the entire debt without any cost for the remaining credit period.

You will be sent a hire purchase agreement (2 pieces) to your home. Sign one of the agreements and return it to Svea. At the same time, you will also be sent the detailed terms and conditions for hire purchase, which you agree to by signing the agreement.
You may always contact customer service if you have questions concerning your credit, tel. +358 9 4242 3330 or email asiakasinfo@svea.fi.

If you fail to make payments and we have not been contacted about the payments, we will transfer the receivables to collection according to the regulations of the Consumer Protection Act. Please contact our customer service for more information on the terms and conditions as well as the service. Click here for the detailed terms and conditions.

For additional information on remote sales and trading over the Internet, please see the website of the Consumer Authority at www.kuluttajavirasto.fi, or our credit facility agreement which can be found at www.sveawebpay.fi/tiliehdot. Svea also follows the Personal Data Act. Additional information also on this legislation is available on the website of the Consumer Authority.

Contact Details

Svea Ekonomi Ab, filial i Finland

Webpay

Mechelininkatu 1a

00180 Helsinki

Finland

+358 9 4242 3092

webpay@svea.fi

www.sveawebpay.fi

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