Methods of payment

Svea Payments service

The payment service is offered by Svea Bank AB 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 Bank 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 Bank Ab 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 Bank. 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.

Payment options:

Online Bank Payments

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 (or our auxiliary business name Maksuturva Group 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 MobilePay payments in our webstore are provided by Svea Bank AB in cooperation with Payment Highway and Bambora AB. During the transaction, all card information will be handled through a secure connection. Card numbers are not recorded in Svea Payments Ltd’s or the webstore’s systems; the card data is processed by the technical service provider Payment Highway.

Payment by invoice or part payment

Svea Invoice

Svea offers you an easy and safe way to make purchases by invoice. You can choose Invoice as payment method when the value of your purchase exceeds 30 euros. You will receive an invoice by email. When you choose to pay with invoice, you will always get at least 14 days payment time. The buyer must be at least 21 years old. Interest for delayed payments is a legitimate interest for late payment i.e. 7 % + reference rate applied by the European Central Bank. Svea charges 5 EUR for payment reminders.

You can check your open invoices from My Pages.

The use of Svea’s payment methods requires an approved credit decision. When applying for a credit, the applicant gives permission to request information from other lenders on the customer credit information system of Suomen Asiakastieto Oy. We will also check the applicant's credit information. A customer, whose credit application has been rejected, has the right to apply for a new credit decision by providing additional information through contacting Svea Bank's customer service.

You can also pay your invoice in smaller monthly instalments

Purchase credit is a one-time credit that allows you to split the invoice into smaller monthly payments in a way that is suitable for you. If you want to pay the invoice in instalments, you need to familiarize yourself with the credit account terms and conditions that have been sent to you with the invoice and approve them with your signature. After approving the terms with your signature, you can pay the minimum amount on the invoice. You can pay the remaining credit amount at any time without any additional charges for unused credit time.

You can read the terms and conditions of account credit here:
General Terms and Conditions
Standard European Consumer Credit Information.

Part payment

Part payment is a one-time credit, which allows you to pay for your purchase with the payment period of your choice and fixed monthly instalment. You can choose part as payment method when the value of your purchase exceeds 50 euros. You can choose the most suitable payment plan from the options offered at the webshop.

You can check your open invoices from My Pages.

The use of SveaBank’s payment methods requires an approved credit decision. When applying for credit, the applicant gives permission to request information from other lenders on the customer survey information system of Suomen Asiakastieto Oy. We will also check the applicant's credit information. A customer, whose credit application has been rejected, has the right to apply for a new credit decision by providing additional information through contacting Svea Bank's customer service.

You can read the terms and conditions of Part Payment here:
General Terms and Conditions
Standard European Consumer Credit Information.

Contact information and Svea customer service:
If you have any questions regarding invoices or part payment, please contact Svea at +358 9 4242 3330 (Mon-Thu 8-18, Fri 8-17) or by contact form.

You can also check your open credits from My Pages.

Svea Ekonomi adheres to the Personal Data Act. Read our privacy policy here. For more information on distance selling and trading on the internet, please visit the Finnish Competition and Consumer Agency website at or check out our home page.

Svea Ekonomi AB / Maksuratkaisut
Mechelininkatu 1 a
00180 Helsinki
www.sveapayments.fi

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 service provider:

Svea Bank AB (publ), filial i Finland
Business ID: 3237195-7
Mechelininkatu 1A
00180 Helsinki
Tel. +358 9 4242 3330
Contack form
www.svea. com

Svea adheres to the Personal Data Act, for more information see the Privacy Policy

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