Payment & pricing
We try to provide you with variety of payment methods to choose from. All our payment methods are combined with the factor that we don’t process your credit card or bank account details here at Sahanpuru. This is always done by our trusted partners providing us the service. These solutions are widely used and hosted on extremely safe servers.
Credit card payment option is available in variety of countries. This payment method requires strong 3d authentication from the customer. Payment gateway operator in our store is Adyen.
Finnish e banks
Bambora (Paybyway Oy, business-id FI24865594) is the one of the payment facilitators of the online shop. The Paybyway Oy is a payment facilitator authorized by the Financial Supervisory Authority of Finland. The payment process is conducted in the online service of the Bambora. Bambora, Paybyway Oy or Bambora is shown as the payment received in the bank account listing and in the invoice. Paying with Bambora is safe. All information is exchanged through secured connections.
The trade happens between the online customer and the online shop. The online shop is responsible for all obligations related to the trade.
Read more about Bambora: http://www.bambora.com
With Bambora you can pay your order by an internet banking account, a payment card (credit/debit), an invoice or a partial payment. The following methods of payment are supported: Osuuspankki, Nordea, Danske Bank, Oma Säästöpankki, Säästöpankki, Aktia, Paikallisosuuspankit, S-Pankki, Handelsbanken, Ålandsbanken, Visa-, Visa Debit-, Visa Electron-, MasterCard- and Debit MasterCard payment cards, Jousto, Everyday and Euroloan.
Finnish Consumer finance
Jousto: With Jousto invoice and part-payment you can pay in over 4000 online shop in Finland. With Jousto invoice, you get 14 days payment time (invoice fee 4,90 eur). With Jousto part-payment, you get max 12 months payment time (invoice fee 4,90 eur and monthly interest rate 2,42%). More information: www.jousto.com
Everyday: Everyday credit limit is at least 300 eur. Pay with one transaction by the end of next month (no extra fees) or with monthly payments. Minimum sum per monthly payment is 1/5 of the total sum of the bill. After the due date, 5% monthly interest rate is added. Annualized percentage rate for typical 500 eur credit is 48,52 %. More information: www.everyday.fi
Euroloan: Euroloan Consumer Finance Oyj (2159120-9) is a Finnish financing institution operating since 2007. Euroloan invoice and part-payment is available to over 20 years old consumers having a permanent address in Finland. The payment method is enabled for payments from 10 to 2000 eur. The part-payment is invoiced every 30 days. For example, annualized percentage rate for a 1500 eur credit is 26,1 % when the payment term is 12 months. The total price is 1697,15 eur (incl. interest rate 6 %, invoicing fee 3,95 eur/month, opening fee from 3 eur).
Euroloan Consumer Finance Oyj reserves a right to review the credibility and the address information of consumers using Euroloan invoice or part-payment. The consumer is also requested the provide the personal id number. The credit is approved or declined based on this review. The order is delivered only to the address registered to the Population Register of Finland. More information: www.euroloan.fi/luotot/laskujaosamaksu
Bambora, Paybyway Oy (business-id FI24865594)
Telephone: +358 29 300 5050 (workdays 9-16)
Address: Laserkatu 6, 53850 Lappeenranta, Finland
It is also possible to pay orders through a Paypal account.
Advance payment by bank transfer
An order can be paid as a bank transfer. The customer will receive banking details that need to be used for the payment along with the order confirmation. The goods will be reserved for the customer for three (3) business days, after which the order will automatically be cancelled if the order has not been paid.
Other payment methods
If you still want to place an order with some payment method that is not available, please contact us and we will try to make it happen. And we might even take the new payment method in our selection just for you.
Value Added Tax
Value Added Tax is processed right away in our checkout process. Meaning that if you are ordering outside EU you do not have to pay VAT and it will be excluded from your prices after adding your address. In case you are buying for business within EU you can add your business VAT id in our shopping cart and will get the final price without VAT. In this case you do need to report the purchase according to your countries processes.
Business to business financing
B2B financing is something that we are committed to do. For Finnish companies and individuals we can offer really cost effective ways to finance any bigger investment for longer period of time. This way the assets won't stress your balance sheet for example. Send us a message, if you would like to get more information about these. For Finnish speaking persons we have more information on our Finnish language page.