Payment options

You can currently pay at The Happier store through Paytrail and Klarna.

Payment service providers

Paytrail (https://www.paytrail.com/maksutavat) is a Finnish payment institution and part of the Nets Group. Nets is the leading provider of payment solutions, information services and digital security solutions in the Nordic countries.
Paytrail has been awarded the Safe Pay certificate.

Paytrail

Paytrail Oyj (2122839-7) cooperates with Finnish banks and credit institutions as the payment service provider and payment service provider. Paytrail Oyj appears as the payee on the bank statement or card invoice and forwards the payment to the merchant. Paytrail plc is licensed as a payment institution. In the event of a complaint, please contact the supplier of the product in the first instance.

Paytrail Oyj, business ID: 2122839-7
Innova 2
Lutakonaukio 7
40100 Jyväskylä
Phone: 020 718 1830
www.paytrail.com

There are several ways to pay through Paytrail:

1. Bank charges: Nordea, Osuuspankki, Danske Bank, Säästöpankki, Oma Säästöpankki, POP Pankki, Aktia, Handelsbanken, Ålandsbanken and S-Pankki
2. Billing and Installment Services: Collector and Flexibility
3. Card payment: Visa, Visa Electron, Mastercard, American Express, Eurocard and Diners Club
4. Mobile Payment: MobilePay

Collector Invoice / Installment

Flexibility and freedom of choice - pay at once or in installments, at the pace you choose

An invoice and account credit will give you more time to pay for your e-commerce purchases. Using them, you can wait for your order to arrive in peace before paying it. You can make a payment with an invoice or, in smaller installments, with an overdraft, so you can make the most convenient monthly payment and spread the payment over a maximum of 36 months.

Free payment time on the invoice - safe and easy transactions

With the invoice, you always get 45 days interest-free payment period for your e-commerce purchases. The long payment period allows you to review your purchase and, if necessary, return it before the invoice expires.

To take advantage of the payment period, you need a positive credit decision, which is easy to apply for at the time of purchase. You can apply for it if you are at least 18 years old and have a Finnish personal identity number and a permanent, official home address in Finland. Your credit information is also checked from Bisnode Finland Oy's register.

The payment method can be used for purchases up to € 5,000.

Once you have received a positive credit decision and confirmed the purchase, you will receive an invoice for your purchase in your email. If you want to pay the invoice in smaller installments and with a payment period that suits you better (1-36 months), you must enter into a credit agreement with Collector Bank for a continuous loan by logging in to My Pages at oma.collector.fi. Upon signing the credit agreement, you will be granted a credit limit that is available for subsequent purchases under the terms of the credit.

When you have a valid credit agreement, you will only have to pay the minimum amount stated on the invoice you received by the due date, but you can also pay a higher amount if you wish. You will then receive a monthly email invoice until your credit is fully paid. If you wish, you can also repay your credit in installments greater than the minimum amount stated on your invoice.

Credit costs and credit example: MERCHANT NAME The online terms and conditions apply in the online store, according to which the interest rate on the overdraft is 19.2% expressed as a nominal annual interest rate and the monthly fee is € 3.80 per month. If the granted credit limit is € 1,000 and it has been used in its entirety for purchases made from the MERCHANT NAME online store and the credit is repaid within 36 months, the applicable promotional terms are 30.7% annual interest, total credit costs € 433, total payable € 1,433 and 36 installments . Late payments will be subject to statutory reminder fees and collection costs, as well as interest for the period of delay.

Credit terms

The issuer of the invoice and credit is Collector Bank AB, Lilla Bommens Torg 11, Box 11914, SE-404 39. More information at www.collector.fi

You can get complete terms and information about Collector Invoice and Account Credit from the following links:
More detailed service description: https://www.collector.fi/henkiloasiakkaat/maksa-laskulla/
General invoice and account credit terms: https://www.collector.se/upload/Partners/Agreements/SVM/Credit_terms_All_EN.pdf
Standard European Consumer Credit Terms: https://www.collector.se/upload/Partners/Agreements/SVM/SECCI_EN.pdf

Klarna

(https://www.klarna.com/fi) allows you to choose from two different options:

• Pay later. Why pay for products you haven’t even received yet? Choose a 14-day free payment period, when you first receive your product and pay only when you are satisfied with your purchase.
• Split payments. Collect all your payments on one invoice and choose how many monthly installments you want to pay.