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Payment Methods

Following payments options in the online store are available:

  • PayPal
  • Credit Cards
  • Online bank payment
  • Klarna 
  • Pro forma invoicing for companies and public organisations

 

Payment methods for companies

Companies or public sector organizations, who are registered businesses and can provide VAT-number can have a pro forma invoice. Payment before delivery is expected. Invoicing digitally. 

 

Paypal

PayPal is a popular global payment service that allows you to pay easily and securely around the world, both from your PayPal account and from a credit card linked to your PayPal account. PayPal is a leading online payment service with payments in 190 countries around the world. More than 190 million people already use a PayPal account to pay online.

Payment can be made from your PayPal account balance or using the most common credit cards. Payment by credit card does not require the customer to register as a PayPal customer and will not incur any additional charges unless the purchase includes a currency conversion.

 

• Payment from PayPal account

• Visa, Visa Electron

• MasterCard

• American Express

• UnionPay (China)

 

Card payment

In the Treenikamat.fi online store, it is safe to pay by card. We do not store the customer's card information. The card payments are offered by BlueCommerce (powered by Verifone) which is responsible for secure payments and a very high level of safety in payments. When paying with a credit card, we only store the purchase reference number. This means that your credit card information will only be stored by the banks that process the information. When paying by card, you have the option of storing the card information completely securely for future purchases. Next time, all you have to do is enter the same contact information and the online payment will show the saved payment methods. We accept Visa, Mastercard, Visa Electron and Maestro as well as Debit cards.

 

Online bank payment

You can pay the order and delivery costs in your online bank when ordering. The banks available are from Finnish/Scandinavian/Baltic. Verifone Finland Oy is a responsible payment provider for online bank payments. Be prepared to authenticate with bank IDs. Paying in online banking or using a card payment is free of charge - there is no surcharge for payment methods.

 

Klarna

There are three different payment options from Klarna. Those options are:

  • Pay Now (immediate payment)
  • Buy Now, Pay Later (max. 30 days free payment time)
  • Financing (instalment plans of 6, 12, 24 and 36 months with flexible payments).

When you choose a Klarna invoice as your payment method, your transactions are safe and easy. Depending on your choice you may complete the payment immediately or have even 36 months of flexible payment time. If you choose invoice or financing options, extra costs from the credit supplier Klarna may take place. The costs and flexibility options are partly dependent on the sum of the purchase. The costs are shown at the check-out before placing an order. When choosing the Klarna payment option, the customer has the possibility to check current terms and conditions by Klarna. Klarna is responsible for the payments, Treenikamat.fi does not invoice, do credit checks nor collect a debt. After the purchase, the customer can see the current invoice balance by logging in to the Klarna app at www.klarna.com.


Creditworthiness assessment

At the time of purchase, Klarna checks the creditworthiness of the subscriber, which can also mean checking the credit information from the credit information service. The soft creditworthiness check that Klarna may run does not affect a customer’s credit score and is only visible on your credit file by you and Klarna. Klarna or Treenikamat.fi does not do a credit search that could impact your credit rating. This includes the whole process at the point of application, if a payment is missed, or if the outstanding balance enters a debt collection stage.


Processing of personal data

Personal data is processed in accordance with the Personal Data Act. Klarna uses personal information for customer analysis, personal identification, credit rating and marketing purposes. The personal identity number is used as the consumer's customer number for customer administrative reasons. See the Klarna Privacy Statement for more information on how Klarna handles personal information.