Payment methods

Effective from 11 January 2021

Online store

Kuatro (Business ID 3421992-4) sells products to businesses in Finland. Product prices include VAT (VAT is added at checkout). We reserve the right to change prices and delivery charges.

Ordering

Products are ordered by adding them to the shopping cart and paying for the contents at checkout. All customer information is treated confidentially. Contact details requested when ordering are used only to deliver the order or resolve any queries relating to it. By placing an order, you are expected to have read and accepted the delivery terms in force at the time.

Payment

Payments in the online store are processed by Svea Payments Oy (Business ID 2121703-0) in cooperation with banks and credit institutions. No registration or additional fees are required to use the service. Svea Payments Oy holds a payment institution licence granted by the Finnish Financial Supervisory Authority. All data transmission and payment traffic is SSL-protected, so third parties cannot see your information. Svea Payments Oy (or its auxiliary business name Maksuturva Group Oy) appears as the payee.

Read more about using Svea Payments' payment service »

Payment methods

Online banking payment buttons
You can pay using the online payment service of any Finnish bank. Using the login details provided by your bank, you will temporarily leave our online store and go to your bank's service to pay for the products directly from your own account. Svea Payments Oy (or its auxiliary business name Maksuturva Group Oy), which processes payments for our online store, appears as the payee.

Payment by business invoice

Purchasing on business invoice

Svea Payments offers your business the option to purchase on invoice with a 30-day payment term. The lender is Svea Ekonomi Ab filial i Finland. Please note:

• The online retailer is responsible for any invoicing surcharge.
• Business invoice is available for purchases over €5 and up to €3,000. A higher maximum may apply if separately agreed between Svea and the retailer.
• When you choose business invoice, the company's details are checked using its Business ID. By identifying yourself with your personal online banking credentials through the TUPAS service, you confirm that you are authorised to place the order on behalf of the company. Delivery is made to the company's official address. For example, a restaurant manager can order on business invoice by confirming their authority to order for the company using personal online banking credentials.
• The payment term is 30 days.
• Interest on late payments is 7% plus the reference rate under the Interest Act. A payment reminder costs €5. All overdue payments are handled between Svea and the customer who paid by business invoice.
• The person placing the order must be at least 18 years old.

Contact details and customer service

For questions about invoicing, contact customer service on 09 4242 3330 (Monday–Thursday 8:00–18:00, Friday 8:00–17:00) or via the contact form.

You can also view your outstanding credit in the My Pages service.

Svea Ekonomi complies with the Personal Data Act. Read the privacy statement here. Further information about distance selling and online commerce is available on Svea Ekonomi's website and the Finnish Competition and Consumer Authority's website.

Svea Ekonomi / Payment Solutions
Mechelininkatu 1a
00180 Helsinki
www.svea.fi

Payment service provider's contact details:
Svea Payments Oy
Business ID: 2121703-0
Mechelininkatu 1 A
00180 Helsinki
Telephone: 09 4241 7040
Email: asiakaspalvelu.payments@svea.fi
www.svea.fi

Order and payment confirmation

After a successful order, an order confirmation is sent to your email address. You must provide an email address when ordering to receive confirmation messages.

Delivery method and charges

You can see delivery charges after choosing a payment and delivery method. We send orders as registered shipments (such as postal parcels) or unregistered deliveries. Registered shipments can be tracked using a tracking number.

Delivery time

Our usual delivery time within Finland is 1–2 days, depending on the order and delivery method. More precise times are given in the delivery terms. We are not responsible for delays caused by force majeure or indirect losses resulting from delays. Exceptional delivery times are announced on the online store's home page.

Exchanges and returns

Business customers have no right of exchange or return.

Problems

If a product is lost or damaged in transit, or otherwise does not match your order, you must report the problem within 14 days to the parties specified in the exchange and return terms. If a parcel is damaged in the post, a complaint must be made to the postal service immediately.