Methods of payment

Svea Payments service

The payment service between vendors and consumers is offered by Svea Payments Oy (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. Svea Payments Oy 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. Svea Payments 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 Svea Payments. This email includes a link to the Buyer’s Assistant webpage, where you can manage your order; return products, make a reclamation or give feedback 24/7.
Your payment will not be transferred to the vendor before you have received and had a chance to inspect the order. You will be informed of the order-specific inspection time by email.

Read more about using Svea Payments

Methods of payment:

Online bank payment 

You can pay for your order using any of the online payment buttons of Finnish banks. When you are using the online bank codes provided by your own bank and you want to pay for your purchase, you will be redirected for a while to your own online bank where you can pay for your order directly from your bank account. The recipient for the payment is Svea Payments Oy, that is the payment service provider in our web store.

Card Payments and MobilePay by Visa, Visa Electron, MasterCard or Business Eurocard

Paying with a credit or debit card is always easy and safe in our web store. Card payments and Danske Bank’s MobilePay payments in our webstore are provided by Svea Payments Oy in cooperation with Payment Highway Oy and Bambora AB. During the transaction, all card information will be handled through a secure connection. Card numbers are not recorded in Svea Payments Oy’s or the webstore’s systems; the card data is processed by the technical service provider Payment Highway Oy.

Flexible payment time with Maksuturva Intelligent Invoice or Intelligent Part Payment

Svea Intelligent Invoice and Intelligent Part Payment give your more time to pay for your online purchases. Using these payment methods, you can wait for your order to arrive before you pay for it. You can pay for the purchase all at once with an invoice, or choose one-time credit, where you can choose the payment time and monthly instalments that suit you best.

Svea Intelligent Invoice gives you time to pay
With Svea Intelligent Invoice you get 14 days of interest-free payment time for your online purchases. You can inspect the order, and you have the option of returning it before paying. The payment method is intended for purchases between €20 and €2,000. 

To pay with Svea Intelligent Invoice, you need an approved credit decision. The decision is requested seamlessly during the purchase. To apply, you must be 20 years of age and have a Finnish personal identity code and a permanent official home address in Finland. Your credit rating will also be checked.

Once you have received an approved credit decision and confirmed your purchase, you will receive an invoice for your purchase by email or post. If you would like more time to pay the invoice, you can make a part payment agreement at After making the part payment agreement, you only need to pay the agreement's first instalment on the invoice. More information about part payment will be included with your invoice.

Svea Intelligent Part Payment helps balance your budget
Svea Intelligent Part Payment is a convenient way of distributing the cost of a purchase over several months. In part payment, you choose the monthly instalment that suits you best and make a part payment agreement when you make the purchase. Part payment is intended for purchases between €30 and €2000. 

Part payment is a form of one-time credit, meaning you get time to pay for a single purchase and are not bound by a permanent credit relationship. The credit will be paid off within the agreed period by paying at least the agreed monthly sum. Please read the terms of credit carefully before signing the agreement.

Part payment requires you to have an approved credit decision. The decision is requested during the purchase. To apply, you must be 20 years of age and have a Finnish personal identity code and a permanent official home address in Finland. Your credit rating will also be checked.

Once you have confirmed the purchase, you will receive a monthly invoice by email or post until the credit is paid off. At, you can view your payment plan and postpone due dates, if necessary. The monthly fee for each instalment is €3 and the interest rate is 15 %. The effective annual interest rate for a credit of €1000 with a typical payment time of 12 months is 24,35 % including the interest rate and monthly fees. The total sum of the example purchase with a payment time of 12 months is €1111,72 including credit.

Customer service regarding invoices and part payment
Invoices and one-time credit are provided by Collector Payments Finland Oy. Collector Bank's customer service will help you with all matters related to invoices, one-time credit and payment for purchases.

Online service:
Telephone service: +358 2 2700 550, on weekdays from 8 a.m. to 8 p.m. and on Saturdays from 10 a.m. to 3 p.m. (standard local or long distance charge).

Processing returns and cancellations

When you return your purchase according to the instructions given by Svea, Collector Bank will be automatically notified and no further action is required on your part. If you only return part of your purchase, you can deduct that amount from the sum of the invoice you receive. In part payment, the amount of the return will be automatically deducted from the last instalments of the part payment plan. This will allow you to pay off the credit sooner.

If you have paid your invoice but decide to return the product regardless, please send your personal and bank details by email:, use subject "Collector Payments Finland Oy/suorituksen palautus".

Personal information and the credit decision

Your personal details will be requested to make the credit decision required by Svea Intelligent invoice and Intelligent Part Payment. The information is relayed using a secure, SSL/TLS encrypted connection. The credit provider, Collector Payments Finland Oy, will verify your personal and address information with the Population Information System and check the credit information register to see if you have any payment defaults. The credit decision is also influenced by your previous behaviour as a customer of Collector Bank. If your credit decision is negative, you can contact Collector Bank's customer service to find out more about the reason. The personal identity code you enter and the credit decision information are not saved in the customer register of Svea Payments.

When you use this payment method, your identity may be verified using the TUPAS identification service and your bank identifiers. The verification service allows you to identify yourself using the online services of the following banks: Osuuspankki, Nordea, DanskeBank, Handelsbanken, Aktia, Säästöpankki, POP Bank, Oma Säästöpankki, S-Bank and Ålandsbanken. It is also possible to verify your identity using a mobile certificate.

Credit terms

The invoice and one-time credit are provided by and the personal information register is kept by Collector Payments Finland Oy, PO box 79, FI-00101 HELSINKI. After an approved credit decision, the invoice or the one-time credit is transferred to Collector Payments AB. Additional information, including answers to frequently asked questions, can be found at

You can view the general terms of credit for invoices and part payment and save them from this link: General terms of credit

Also see: Standard European Consumer Credit Information

Payment by B2B Invoice

Svea Payments 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:

  • The webstore is responsible for any invoicing charge.
  • You can choose B2B-Invoice as payment method when the value of your purchase exceeds 5 euros and is no more than 2000 euros.
  • When you choose B2B Invoice as payment method, the company information entered will be checked against the given business ID. By confirming your identity using the TUPAS-service you also confirm that you have the right to make purchases for the company. The order will be delivered to the company’s official address.
  • Terms of payment are 14 days. Interest on arrears is 7 % + reference interest as per the Interest Act. We charge 5 euros for a reminder.
  • The person making the order must be at least 18 years of age.

Contact information for the payment by B2B Invoide:
Svea Ekonomi Ab, filial i Finland
Atomitie 2 C
00370 Helsinki
Tel.: +358 9 4242 3092

Contact information for the payment service provider:

Maksuturva Group Ltd
Business ID: 2121703-0
Keilaranta 5
02150 Espoo
Tel. (09) 42 41 7040, workdays between 9 a.m. and 5 p.m.

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