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Bambora PayForm (Paybyway Oy, business-id FI24865594) is the payment facilitator of the online shop. The Paybyway Oy is a payment facilitator authorized by the Financial Supervisory Authority of Finland. The payment process is conducted in the online service of the Bambora. Bambora or Paybyway Oy is shown as the payment received in the bank account listing and in the invoice. Paying with Bambora is safe. All information is exchanged through secured connections.
The trade happens between the online customer and the online shop. The online shop is responsible for all obligations related to the trade.
Read more about Bambora: https://www.bambora.com
With Bambora PayForm you can pay your order by an internet banking account, a payment card (credit/debit), an invoice or a partial payment. The following methods of payment are supported: Osuuspankki, Nordea, Danske Bank, Oma Säästöpankki, Säästöpankki, Aktia, Paikallisosuuspankit, S-Pankki, Handelsbanken, Ålandsbanken, Visa-, Visa Debit-, Visa Electron-, MasterCard- and Debit MasterCard payment cards, Jousto, Everyday and Euroloan.
Jousto: With Jousto invoice and part-payment you can pay in over 4000 online shop in Finland. With Jousto invoice, you get 14 days payment time (invoice fee 4,90 eur). With Jousto part-payment, you get max 12 months payment time (invoice fee 4,90 eur and monthly interest rate 2,42%). More information: www.jousto.com
Everyday: Everyday credit limit is at least 300 eur. Pay with one transaction by the end of next month (no extra fees) or with monthly payments. Minimum sum per monthly payment is 1/5 of the total sum of the bill. After the due date, 5% monthly interest rate is added. Annualized percentage rate for typical 500 eur credit is 48,52 %. More information: www.everyday.fi
Euroloan: Euroloan Consumer Finance Oyj (2159120-9) is a Finnish financing institution operating since 2007. Euroloan invoice and part-payment is available to over 20 years old consumers having a permanent address in Finland. The payment method is enabled for payments from 10 to 2000 eur. The part-payment is invoiced every 30 days. For example, annualized percentage rate for a 1500 eur credit is 26,1 % when the payment term is 12 months. The total price is 1697,15 eur (incl. interest rate 6 %, invoicing fee 3,95 eur/month, opening fee from 3 eur).
Euroloan Consumer Finance Oyj reserves a right to review the credibility and the address information of consumers using Euroloan invoice or part-payment. The consumer is also requested the provide the personal id number. The credit is approved or declined based on this review. The order is delivered only to the address registered to the Population Register of Finland. More information: www.euroloan.fi/luotot/laskujaosamaksu
Bambora PayForm, Paybyway Oy (business-id FI24865594)
Telephone: +358 29 300 5050 (workdays 9-16)
Address: Laserkatu 6, 53850 Lappeenranta, Finland
The arvato Finance offers an option to pay the order by an invoice. The payment term is 14 days. Paying by the invoice requires to be over 18 years old, to have a valid credit history, to have a registered address in Finland in the Population Register and the goods to be delivered to the registered address in Finland.
If total sum of the purchase exceeds 50 euros, you can decide to pay the invoice in parts. Activating the part payment requires accepting the PayByBill terms and conditions and to pay the minimum part stated in the invoice. The remaining part of the credit can be paid at any time without any extra expenses.
2,90 eur credit fee and interest rate are added to the monthly invoice. The current yearly interest rate is 19,50%. The interest rate is tied to the interest rate defined by the European Central Bank twice a year. In addition, one time fee of 9,50 eur is invoiced for opening the credit account. PayByBill terms are available in: http://finance.arvato.com/fileadmin/user_upload/Finland/terms_conditions/PBB_-_arvato_Finance_-_Luottoehdot_-_20032014.pdf
PayPal advertises itself as the safer, easier way to pay and get paid online. The service allows anyone to securely pay in any way they prefer, including through credit cards, bank accounts, buyer credit or account balances, without sharing financial information. When paying by PayPal the money will be debited from your account by Paypal.