Payment Methods in the Online Store

Invoice

Svea offers you an easy and secure way to pay for your purchases by invoice.

When choosing Svea invoice as your payment method, you always get at least 14 days to pay. The default interest rate is the statutory default interest rate according to the Interest Act, i.e., 7% + the reference rate according to the Interest Act. For a payment reminder, we charge 5 euros. Please note that the buyer must be at least 21 years old.

You can view your open invoices in the My pages service.

The use of Svea invoice requires an approved credit decision. When applying for credit, the applicant gives consent for information from other creditors to be requested from Suomen Asiakastieto Oy's consumer credit information inquiry system. We also check the applicant's creditworthiness. A customer who has received a negative credit decision has the right to apply for a new credit decision against additional information provided by contacting Svea's customer service.

Paying the invoice in smaller installments

Purchase credit is a single-use credit with which you can divide your invoice into monthly installments suitable for you. If you wish to pay your invoice in smaller installments, you must familiarize yourself with the terms and conditions of the purchase credit received with the invoice and accept them with your signature. After this, you can pay at least the minimum installment indicated on the invoice. You can pay off the purchase credit in full at any time without additional costs for unused credit time.

You can familiarize yourself with the credit terms here: General terms of purchase credit and Standard European consumer credit information.

Installment Payment

Svea Installment Payment is a single-use credit with which you can choose your desired payment period from the options offered in the store. Please note that the buyer must be at least 21 years old.

You can view your open credits in the My pages service.

You can familiarize yourself with the credit terms here: General terms of installment credit and Standard European consumer credit information

The use of Svea Installment Payment requires an approved credit decision. When applying for credit, the applicant gives consent for information from other creditors to be requested from Suomen Asiakastieto Oy's consumer credit information inquiry system. We also check the applicant's creditworthiness. A customer who has received a negative credit decision has the right to apply for a new credit decision against additional information provided by contacting Svea's customer service.

Card Payment

With a card, you pay according to the rules for online payments valid in the EU, through Svea's PCI-DSS certified card payment solution.

Payment is made using an SSL-encrypted payment form. Available payment methods: payment cards and online banks.

• Payment cards (VISA, Mastercard, American Express): payment card details are transmitted via a secure connection to the payment card provider. Card details are not stored.
• Online banks (Nordea, Osuuspankki, Danske Bank, Handelsbanken, Säästöpankki, Ålandsbanken, S-Pankki, Aktia, POP Pankki, Oma Säästöpankki): the customer is automatically directed to the bank's payment service, and the order is paid directly from the customer's own account.

Funds are debited from your account immediately after you have completed the payment.

All transactions are sent securely via encrypted SSL (Secure Sockets Layer). Card numbers are not stored. Svea uses 3D Secure - the latest credit card payment security technology online. It is a standard developed by Visa and Mastercard, intended to increase the security of online payments for the consumer.

Online Bank Payment

Online bank payments are carried out in cooperation with Trustly. Trustly reliably supports Finnish banks and incurs no additional costs. During payment, you are automatically connected to your own online bank, where after logging in, you can approve the transaction. The order amount is debited directly from your account once you have approved the transaction.

Contact Details and Customer Service

If you have questions regarding payment or invoicing, you can contact our customer service at +358 9 4242 3330 or via the contact form.

Svea complies with the Data Protection Act in its operations, read more in our privacy statement.

Svea Bank AB (publ), filial i Finland (3237195-7)

Mechelininkatu 1a

00180 Helsinki

www.svea.com