Svea Payments Oy

Online payment

You can pay for your order using the online payment button of your Finnish bank. You will be taken to your bank’s page where the payment will be made from your bank account. The payment recipient will be Svea Payments Oy, which acts as another payment intermediary in our online shop.

Card payment

Through the Svea service you can also pay conveniently by debit and credit card, using Visa, Visa Electron or Mastercard.


MobilePay is a free app that lets you pay for online purchases quickly, safely and easily. MobilePay can be used with Visa Electron, Visa (Debit and Credit), Mastercard (Debit and Credit) and Maestro. More information:

Pivoja Siirto

Through Svea’s payment service, you can also pay easily using the Pivo or Siirto app. You simply fill in a field with the phone number connected to Pivo or the Siirto app asking for the phone number, after which the payment is accepted in the mobile app. Pivo can be used by customers of all banks and Siirto by customers of Nordea, OP, S-Pank and Ålandsbanken.


With the PayPal app, you can pay and receive payments conveniently by simply adding your bank card to your PayPal account.


Svea offers you a secure way to pay for your purchases by invoice. When you choose Svea Bank as your payment method, you get at least 14 days payment time for your invoices. The late payment interest rate is the legal late payment interest rate according to the Interest Act, i.e. 7% + the reference rate according to the Interest Act. We charge EUR 5 for a payment reminder. Please also note that the buyer must be at least 21 years old.

Use of the Svea invoice is subject to an approved credit decision. When applying for credit, the applicant consents to the fact that information from other creditors is requested from the Consumer Credit Information System of Suomen Asiakastieto Oy. We will also check the applicant’s credit history. A customer who has received a negative credit decision has the right to apply for a new credit decision against additional information provided by the customer by contacting Svea Bank’s Customer Service.

Paying an invoice in smaller instalments

A purchase credit is a one-off loan that allows you to split your bills into monthly instalments that suit you. If you want to pay your bill in smaller instalments, you should read the terms and conditions of the purchase credit you receive with your bill and sign to accept them. You can then pay at least the minimum instalment indicated on the invoice. You can pay off your credit line in full at any time without any additional charges for the unused credit period.

Business invoice

If you choose Svea’s business invoice as your payment method, you will always get at least 14 days’ payment time. The interest rate is the legal interest rate under the Interest Act. We charge at least EUR 5 for a reminder.

The use of a Svea business account requires an approved credit decision. The buyer declares that he/she is authorised to act in the name of the company on whose behalf he/she is making the purchase. Svea has the right to verify the purchaser’s title or other purchasing authority in the company in question.

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

Mechelininkatu 1a

00180 Helsinki

Klarna payment methods

Klarna is another alternative payment service provider. When ordering through Klarna, the purchase is only charged when the product is shipped to the customer.

You can find the terms and conditions of Klarna’s services here:

Pay later

With Klarna, you have the option to order today and pay later when you have received your purchase. This gives you 14 days free of charge, starting from the day you place your order. 

Split payments

By splitting your payment into several instalments, you can pay for your purchase in up to 36 instalments. You can also combine purchases from different shops on one bill. The credit decision is made on the basis of the information you enter at the checkout. If you are given the option to pay in instalments, you can choose the instalment plan that suits you best, with the conditions and charges presented immediately at the checkout. In the Klarna app, you will always see the next due date and receive reminders.

Pay now

Pay for your purchases securely with Klarna’s online banking or card payment. Your payment will be processed instantly and your purchase will appear in your Klarna app.

Klarna app

In the app, you can manage all your payments made through Klarna and also contact Klarna’s customer service via chat 24/7.