Payment methods

Purchasing using Maksuturva Invoice or Part Payment

The Maksuturva Invoice and Part Payment service provides a secure and flexible option for funding your purchases in one or several instalments. The creditor for the invoice and part payment service is Lindorff Invest Oy. You can select invoice as your method of payment if your purchase exceeds 20 euros or part payment if your purchase exceeds 30 euros and is no more than 2,000 euros. The payment method requires a Finnish personal ID number, a permanent, official address in Finland and a minimum age of 20 years. The method of payment is only available to private individuals. An own credit stoppage or withheld information may prevent the use of the payment method. When purchasing using the Invoice or Part Payment, you are required to provide identification using your online banking details in the bank’s TUPAS service. In this case, you may freely choose the delivery address, whether it is a parcel point, summer cabin, or your place of work. Your credit details will be checked against a credit information company and a credit decision will be made in real-time. The credit decision and checks are carried out by Lindorff Oy, and the details are not saved on the seller’s customer data register. After an approved credit decision and purchase you will receive a paper invoice or e-mail invoice as you prefer. Please note that the invoice will be provided no earlier than approx. two weeks after your order has been delivered. This is so that you will always receive an up-to-date invoice which also accounts for possible returns. If you require further information about a negative credit decision, please direct your inquiries to Lindorff’s customer services. If you choose the invoice option, you will benefit from an interest-free payment period of 14 days. If you choose to pay for your purchase in instalments, you can select the payment schedule that best suits you from the options given either directly while completing your online purchase or later on once you have received your invoice. A credit agreement with Lindorff Invest Oy will come into effect once you have paid the first instalment by the due date on the invoice. Depending on the sum of your purchase, you can choose from between 3–24 instalments. Instalments are invoiced monthly. The monthly credit payment for each instalment is €3 and the interest on the instalment is 15%. The annual percentage rate for credit of €1,500 over a typical payment period of 12 months and accounting for monthly instalments is 23.1%. The service does not bind you to a permanent credit relationship. Costs and interest determined by law will be charged in the event of any delays in payment. Due date transfers will be carried out in accordance with general credit terms and conditions. You can read more about the general credit terms for the invoice and part payment service and the standard European Consumer Credit Information form and save a copy for yourself when verifying your purchase.

Returns

If you return products, Lindorff will reimburse outstanding credit automatically once it has received information from Maksuturva concerning an approved return. If you wish to return an order which has already been paid for, you should submit your personal and account details in writing to Lindorff's customer services.

By e-mail:
eramaksu@lindorff.fi, use the subject "Lindorff Invest Oy/suorituksen palautus"

By post:
Lindorff Oy/ Laskutusasiakaspalvelu
PL 20, 20101 Turku 

Online service: bill.lindorff.fi
Telephone services: +358 2 2700 550 weekdays 8-20 and on Saturdays 10-15 (price: standard local or long-distance network rate)
E-mail: eramaksu@lindorff.fi

Payment intermediary contact details:
Maksuturva Group Oy
Business ID: 2121703-0
Keilaranta 5
02150 ESPOO
Telephone: +358 9 4241 7040, weekdays 9.00 – 17.00
E-mail: asiakaspalvelu(a)maksuturva.fi
www.maksuturva.fi

Purchasing using a Svea WebPay Invoice or Instalment (part payment)

Svea WebPay (hereinafter Svea) offers you the opportunity to pay for your purchase against an invoice with a payment period of 14 days. Please note the following: If you select the option “pay with invoice”, we will check your credit details against your personal ID number. Thanks to strong digital authentication (TUPAS), your purchases will be delivered to the delivery address you have provided. The term of payment is 14 days. The penalty interest is 7% + the reference rate in accordance with the Finnish Interest Act (Korkolaki, 633/1982). We charge 5 euros per payment reminder. The person making the purchase must be at least 18 years old.

Converting an invoice into credit

You have the opportunity to convert your invoice into credit by paying the minimum instalment specified on the invoice. You can find more detailed credit terms overleaf on the first invoice. As a credit account customer you can use your account to pay for your purchases from Svea’s contract customers. You can always make further purchases as long as you have credit remaining and pay for your purchases in instalments in accordance with the terms of the credit agreement.

Svea WebPay (hereinafter Svea) offers you the opportunity to pay for your purchase in instalments. This is possible once you have accepted the credit provision criteria and entered your personal ID number at check-out. Thanks to strong digital authentication (TUPAS), your purchases will be delivered to the delivery address you have provided. Select the credit period that is most suitable for you. You should pay off the credit within the agreed timeframe. This requires that you pay at least the agreed monthly sum. Of course, you can also pay off the entire credit in a single payment without any costs for the unused credit period. You will receive 2 copies of a part payment agreement delivered to your home address. Please sign one and return it to Svea. At the same time, you will also receive more detailed part payment terms, which you agree to when you sign the agreement.

You can always contact customer services with any inquiries relating to your credit by telephoning +358 9 4242 3330 or by e-mailing asiakasinfo@svea.fi.

If you do not complete your payments and we have not received any contact concerning repayment, we will transfer the receivables for debt collection in accordance with the terms of the Finnish Consumer Protection Act (Kuluttajansuojalaki, 38/1978). Further information on the terms and service can be obtained from our customer services. Read the detailed terms here. Learn more in advance about credit terms and the standard European consumer credit information at www.sveawebpay.fi/tiliehdot (in Finnish). Save and/or print a copy of these terms for yourself. Further information on distance sales and e-commerce can be obtained from the Finnish Competition and Consumer Authority webpages at www.kkv.fi or from our credit account agreement that can be found at www.sveawebpay.fi. Svea also complies with the Finnish Personal Data Act (Henkilötietolaki, 523/1999). You can find further information about this too on the Competition and Consumer Authority’s website.

Contact information: Svea Ekonomi Ab, filial i Finland
Atomitie 2 C FI-00370
Helsinki
Telephone: +358 9 4242 3092
E-mail: webpay@svea.fi www.sveawebpay.fi

Purchasing with a B2B Invoice

Maksuturva offers your company the opportunity to purchase items against an invoice with a payment period of 14 days.

The creditor is Svea Ekonomi Ab Filial i Finland.

Please note the following:

• • The online store merchant is responsible for any possible invoicing charges.
• • A B2B Invoice can be chosen as the payment method if your purchase exceeds 5 euros and is a maximum of 2,000 euros.  
• If you select B2B Invoice as your method of payment, your company’s details will be checked against its business ID. You will need to identify yourself in the TUPAS service using your personal online banking details to verify that you are authorised to place the order on the company’s behalf. The order will be delivered to the company’s official address. 
• The term of payment is 14 days.
• The penalty interest is 7% + the reference rate in accordance with the Finnish Interest Act (Korkolaki, 633/1982). We charge 5 euros per payment reminder.
• The person placing the order must be at least 18 years old.