You can shop with us safely. On this page, you'll find information about the payment methods available in the havuwatches.com online store.
Payment service provider
The payment transmission service and payment service provider is Paytrail Oyj (2122839-7), operating in cooperation with Finnish banks and credit institutions. Paytrail Oyj appears as the payment recipient on your bank statement or card bill and forwards the payment to the merchant. Paytrail Oyj holds a payment institution license. In case of complaints, please contact us primarily by email at info@havuwatches.com.
Paytrail Oyj, business ID: 2122839-7
Innova 2
Lutakonaukio 7
40100 Jyväskylä
Phone: 020 718 1830
www.paytrail.com
Paytrail offers you the following payment methods:
Walley Invoice/Installment
Flexibility and freedom of choice – pay all at once or in installments, at your own pace
Invoice and account credit give you more time to pay for your online purchases. By using them, you can wait for your order to arrive before paying for it. You can pay either all at once by invoice or in smaller installments with account credit, allowing you to pay a monthly amount that suits you best and spread the payment over up to 36 months.
Free payment time with invoice – safe and easy shopping
With invoice, you always get 45 days of interest-free payment time for your online purchases. The long payment period allows you to check your purchase and, if needed, return it before the invoice is due.
To take advantage of the payment period, you need a positive credit decision, which you can easily apply for during checkout. You can apply if you are at least 18 years old and have a Finnish personal identity code as well as a permanent, official home address in Finland. Your credit information will also be checked in the register of Bisnode Finland Oy.
This payment method can be used for purchases of up to €5,000.
Once you've received a positive credit decision and confirmed your purchase, you'll receive an invoice for your order by email. If you want to pay the invoice in smaller installments with a payment period that suits you better (1-36 months), you'll need to enter into a revolving credit agreement with Collector Bank AB by logging in to My Pages at my.walley.fi. When you sign the credit agreement, you'll be granted a credit limit that can be used for future purchases in accordance with the credit terms.
Once you have an active credit agreement, you only need to pay the minimum amount stated on your invoice by the due date, but you can also pay more if you wish. After that, you'll receive a monthly account statement by email until the credit is fully paid off. You can always choose to pay off your credit in larger installments than the minimum amount stated on the account statement.
Credit costs and credit example: The Havu Watches online store applies campaign terms, according to which the account credit interest rate is 19.2% expressed as a nominal annual interest rate, and the monthly fee is €2.95 per month (€3.80 for the first invoice). If the granted credit limit is €1,000 and it is fully used for purchases made in the Havu Watches online store, and the credit is repaid over 36 months, the effective annual interest rate under the applicable campaign terms is 28.6%, the total credit costs amount to €403, the total amount payable is €1,403, and the number of installments is 36. Late payments will incur statutory reminder fees and collection costs, as well as interest for the period of delay.
Credit terms
The invoice and credit provider is Collector Bank AB, organization number 556597-0513, which is the registered holder of the Walley trademark.
Lilla Bommens Torg 11, Box 11914, SE-404 39. More information at www.collector.fi
You can find the complete terms and information about Walley Invoice and Account Credit at the following links:
More detailed service description: https://www.walley.fi/asiakaspalvelu/
General invoice and account credit terms: https://cdn.walleypay.com/terms/Terms_FI.pdf
Standard European consumer credit terms: https://cdn.walleypay.com/terms/SECCI_FI.pdf
Jousto invoice and installment
Jousto invoice and installment is a domestic service that lets you shop quickly and safely. Jousto is intended for private individuals who have managed their finances responsibly.
With Jousto, you get 30 days of interest-free payment time. A €2.90 invoicing fee is added to your purchase. Once you've received the invoice, you can decide whether to pay it in full or in installments. With installments, you can pay for your purchase in up to 36 installments, starting from €9.90/month. The cost of Jousto's installment plan is €3.90/month plus a 19.90% credit interest rate. You can use Jousto for purchases between €30 and €3,000.
Shopping with Jousto is safe. For your first purchase, you'll complete a strong electronic identification. As a returning customer, you can easily verify your identity using a one-time code sent to your phone. For every purchase, we make a real-time, automated credit decision. Payment transactions and data transfers always take place over a secure connection. The invoice is delivered by email. The credit provider is Aurajoki Nordic Oy.
Read more about Jousto at www.jousto.com. Jousto – the most convenient way to pay in online stores!
PayPal
PayPal is an international and secure payment service. PayPal is a free payment option that lets you pay even without registering. With PayPal, you can pay using the most common credit cards, such as Visa, MasterCard, American Express, or Discover.
You can also register as a PayPal customer and make transfers through your PayPal account. Paying with PayPal is easy, fast, and free of charge.
Information about paying and shopping online with PayPal:
https://www.paypal.com/fi/webapps/mpp/pay-online
Information about PayPal's user agreement
https://www.paypal.com/fi/webapps/mpp/ua/useragreement-full
Klarna
Split your payments
Your payment is split into several installments. Klarna checks the buyer's creditworthiness at the time of purchase. The decision to grant credit is always made by Klarna.
Pay later
Klarna sends you an invoice for your order. Klarna checks the buyer's creditworthiness at the time of purchase. The decision to grant credit is always made by Klarna. For this, Klarna needs your personal identity code, but you don't need to provide any credit card details. The interest-free payment period is 30 days.
Klarna terms
https://www.klarna.com/fi/ehdot/
For questions about invoices and payment periods, you can contact Klarna's customer service at https://www.klarna.com/fi/tuki
Shopify Payments
Shopify Payments works together with Stripe to offer our customers a seamless and secure payment experience. This means that all payments are processed reliably and quickly.
Through Shopify Payments, our online store supports all major credit cards, such as Visa, Mastercard, and American Express, as well as Apple Pay and Google Pay.
Security: Shopify Payments ensures the security of our customers' payment information with advanced encryption and fraud prevention measures.
Convenience: Paying is easy and fast, as customers can complete their payments directly in our online store without being redirected to a third-party website.