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Paying by bank wire
You will find all the necessary information for your payment from your account or from your email invoice. When paying by bank wire, processing time takes 3-5 days. Attach the scanned receipts and/or supporting documentation and send to email@example.com, so that we can process your order as soon as possible.
Paying with Maksuturva
The payment service between vendors and consumers is offered by Maksuturva Group Ltd (Company registration number 2121703-0) in co-operation with banks and credit institutions. You as a consumer are not required to register or pay extra costs for using the payment service. Maksuturva Group Ltd is an authorized payment institution supervised by the Financial Supervisory Authority (FIN-FSA). All data transfer and money transactions are SSL secured meaning that no external party can see your personal information. Maksuturva Group Oy will show as the recipient of the payment.
The vendor will be informed instantly after a successful payment, and you will receive a confirmation email from Maksuturva. This email includes a link to Buyer’s Service webpage, where you can use the functions of the Satisfaction Guarantee: if necessary, you can return products, make a reclamation or give feedback 24/7.
Online Bank payments
You can use the online payment services of all Finnish banks.
Maksuturva Group Ltd
Business ID: 2121703-0
Tel. (09) 42 41 7040, workdays between 9 a.m. and 5 p.m.
Purchasing by Invoice or Part Payment
Maksuturva invoice and part payment service offers a secure and flexible option to finance your purchases in one or several payments. The credit provider of the invoice and part payment service is Lindorff Invest Oy.
You can choose from the following methods of payment
-invoice if the value of your purchase exceeds 20 euros or
-part payment if the value of your purchase exceeds 30 euros
and is no more than 2,000.00 euros. The method of payment requires that you have a Finnish personal identity code, permanent and official home address in Finland, and be at least 20 years of age. The method of payment is available only for private individuals. Your own credit stoppage or hidden information will prevent the use of the method of payment.
When purchasing by invoice or part payment, you will be asked to use the TUPAS authentication service where you identify yourself with your online bank codes. This allows you to freely select a delivery address, whether it’s an automated parcel terminal, summer cottage or your workplace. Your credit information will be checked from a credit information company a real time credit decision will be made on that basis. The credit decision and checks are done by Lindorff Oy, and the information is not stored into the seller’s customer data registry.
After an approved credit decision and purchase transaction, you will receive an invoice in the way you want, either by email or as a paper invoice. Note: the earliest date when the invoice is sent is two weeks after you send the order. The reason for this is that you always receive an up-to-date invoice that also includes possible returns. Please contact Lindorff’s customer service for more information about a possible declined credit decision.
When you choose the invoicing option, you always receive 14 days of interest-free time for payment of your purchases. If you decide to pay for your purchase with part payments, you can select the payment schedule that best suits you from the options given either when making the purchase or after you have received your invoice. The credit agreement with Lindorff Invest Oy will come into effect when you make the first payment by the due date of the invoice. Depending on the size of the purchase, the options available are from 3 to 24 months.
Monthly invoices are sent for part payments. The monthly credit fee for each part payment is 3 € and the interest on the part payment is 15 %. The actual annual interest calculated for a 1,500.00 € loan with a typical payment time of 12 months, including credit interest and monthly fees, is 23.1%. The service does not obligate you to a permanent credit relationship. Legal fees and interest will be collected for possible late payments. Changes to due date according to the general terms and conditions.
Learn more about
–general credit terms of the invoicing and part payment service
–the standard European consumer information form
or you can save them for yourself when verifying a purchase.
Handling of returns
If you return products, Lindorff refunds the open credit automatically after being notified by Maksuturva about the approved return. If, however, you wish to be refunded for a payment that has already been made, you need to give your personal information and your bank account information to Lindorff’s customer service.
By email: firstname.lastname@example.org, with the headline Lindorff Invest Oy/payment refund
By post: Lindorff Oy/ Laskutusasiakaspalvelu, P.O. Box 20, 20101 Turku or
Customer service for invoicing and part payment
Online service: bill.lindorff.fi
Telephone service: 02 2700 550 Mon-Fri 8:00 am to 10:00 pm and Sat 10:00 am to 3:00 pm (fee: normal local or long distance call charge)
Svea 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. Please note the following:
When you choose “Pay with invoice”, we will check your credit information using your personal identity number. Since you are required to utilize so-called strong authentication with your online bank codes (TUPAS), your purchase will be delivered 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 have the opportunity to change the invoice into a credit facility by paying the minimum amount stated in the invoice. The detailed terms and conditions of the credit facility can be found on the reverse side of the first invoice. As a credit facility customer, you can charge purchases to your account when making purchases with Svea’s contract customers. You can make additional purchase whenever you have credit available, and you can pay for your purchases in installments according to the terms and conditions of the credit agreement.
You can pay the credit facility in full at any time without additional cost to you. If you want to utilize 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 installment. Likewise, if you want to extend your payment time, you can reduce your monthly installment. You may always contact customer service if you have questions concerning your credit, tel. +358 9 4242 3330 or email email@example.com.
Hire purchase / part payment
Svea 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. Since you are required to utilize so-called strong authentication with your online bank codes (TUPAS), your purchase will be delivered to the delivery address you provide.
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 firstname.lastname@example.org.
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. Svea also follows the Personal Data Act. Additional information also on this legislation is available on the website of the Consumer Authority.
Svea Ekonomi Ab, filial i Finland
Atomitie 2 C
Tel.: +358 9 4242 3092
Maksuturva offers you the possibility to make purchases against invoice with 14 days to pay. The credit provider of the B2B Invoice service is Svea Ekonomi Ab filial I Finland. Please note the following: