Methods of payment

Paying for your order

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.

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 Maksuturva

Payment options

Online Bank Payments

You can use the online payment services of all Finnish banks.

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

Card payments in our webstore are provided by Maksuturva Group Ltd in cooperation with Solinor Oy and Bambora AB. Maksuturva Group Ltd submits card payment transactions to Bambora AB, which has acquiring-agreements with the international card companies (Mastercard and Visa). Card numbers are not recorded in Maksuturva Group Ltd’s systems; the card data is processed by the technical service provider Solinor Oy. Solinor Oy has the highest “PCI DSS Level 1” security certification as per the PCI DSS –security standard developed by the international card companies. For its own activities, Maksuturva Group Ltd is certified to the PCI DSS –standard.

Contact information:

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.

email: asiakaspalvelu@maksuturva.fi
www.maksuturva.fi/en

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 typ

ical 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 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: eramaksu@lindorff.fi, 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 a.n. to 8:00 p.m. and Sat 10 a.m. to 3:00 p.m. (fee: normal local or long distance call charge)
Email: eramaksu@lindorff.fi

Payment By B2B invoice

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:

  • 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. 5 euros is charged for a reminder.
  • The person making the order must be at least 18 years of age.
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