Case Seppälä

A reliable payment service provider is an important partner

Seppälä is a Finnish clothing company chain that was founded in 1930. Seppälä has hundreds of stores in Finland and in Russia and the Baltic countries. In the spring Seppälä expanded its operations online and started a web store to which Maksuturva was chosen as the payment service provider.

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Seppälä’s web store manager Sari Vahtera says, that Maksuturva was able to offer Seppälä the best comprehensive solution for their needs and that the process of implementing the service was fast and easy. “In addition to getting answers to our questions quickly, Maksuturva also gave us advice on how to develop our operations”, says Sari Vahtera. At the moment, Seppälä’s web store has online banking and card payments in use. In the future, invoice and part payment are to be added to the available payment methods.

As a settlement model, Seppälä uses gross settlements, where Maksuturva’s commission for payments is invoiced separately.  In this settlement model payments are settled to the web store in their original amount, which has, according to Sari Vahtera, made co-operation with the external accounting company much easier. The shopping experience has been made smooth and easy for the customer through bypassing the payment method selection page, which means that the customer can choose their preferred payment method on the web store’s checkout without having to transfer to the payment service provider’s web page.

Every Seppälä store in Finland offers customers the possibility for returns, so deciding to use Maksuturva’s tools for handling returns and refunds in the web store was a natural choice. Maksuturva’s tools offer an easy-to-use and fast platform for money refunds. Seppälä is very satisfied with Maksuturva’s services and support in problem situations. “Maksuturva is a reliable partner that offers excellent guidance and support. I can warmly recommend”, concludes Sari Vahtera.


Case Moda Aukia

Managing product returns is the key for a web store’s success

In addition to a wide selection of payment methods, Aukias’s service includes Maksuturva’s tools for managing returns and refunds, which makes the handling of product returns and refunds fast and efficient.


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The web store Aukia.fi is part of the Aukia Group, founded in 1956, that also includes th stores Moda Aukia and Jim&Jill whose selection consists of clothing, shoes and accessories. ”We chose Maksuturva for our service provider because we wanted to offer our customers a trustworthy and secure way of paying with the payment method they prefer”, says the web store administrator Timo Aukia.

Deliveries and returns

When it comes to operations of the web store, Aukia has focused especially on reliable and fast deliveries.

”Managing product returns efficiently is the key factor in the fashion web stores’ success. We believe that for our customers the easiness of the returns tools and for us the reduction in the amount of manual work will speed up the cycle of selling returned products and reduce the costs of returns. Our clientele consists of many new online shoppers, and for them the Satisfaction Guarantee of the return tools decreases the threshold for purchasing online”, states Aukia.

Activation of the service

Aukia says the implementation of Maksuturva’s services was conducted excellently: the project combined a ready-made and tested service package and customer-oriented tailoring in order to build a service that was compatible with Aukia’s systems. ”We can heartily recommend”, says Aukia for all who are considering Maksuturva’s services.

Case Nanso Group

Tailored Web Buyer’s Services

The service consists of online payment systems of all Finnish banks, card payments and Invoice and Part Payment services. Moreover, Nanso’s “Web Buyer’s Services” (a feature of Satisfaction Guarantee tools) were customized and skinned according to the company’s brand image.

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Nanso Group is a clothing company founded in 1921, and its offering consists of popular brands such as Nanso, Finnwear, Black Horse and Vogue. The company launched its web store in the end of 2012.

A self-service with Nanso’s look

Nanso’s Web Buyer’s were tailored according to Nanso’s brand and practices. The customers can access Web Buyer’s services via the confirmation of order email, and at their service page they can track the delivery, give feedback or fill in a product returns form 24/7.

Easier management of returns

Nanso wished to build a web store system where money transactions are secure, fast and uncomplicated. Also a solution for managing product returns efficiently was needed, because at worst over 20 % of products ordered from Nansoshop.com are returned – a typical return rate for clothing industry. Without automation the handling of returns would have caused significant waste of resources. This is why Nanso chose Maksuturva’s customized payment service with Satisfaction Guarantee tools for returns management.

Liisa Vilén from Nanso Group states that with Maksuturva’s solution it is safe to sell and shop online: a web store does not receive the payments before the customer’s time for returning the order has expired, and both parties are satisfied with the result of the purchase. Customers who decide to return products can check instantly how much money is going to be refunded, and Maksuturva handles the money transactions automatically on behalf of Nanso.

The reconciliation of Maksuturva’s settlements is fast as the sums and reference numbers can be automatically allocated. ”After starting to use the Satisfaction Guarantee tools the amount of work related to our customer returns has decreased remarkably. Special thanks to your quick and professional customer service”, thanks Vilén.

Case Kone Glans

Kone-Glans utilizes Maksuturva’s services in order to make their background processes more efficient

Kone-Glans has invested in careful business planning and utilizes Maksuturva’s services to make the background processes more efficient and leave resources for the development of the core business.

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Kone-Glans, a company that is concentrated on selling for instance forest and woodworking machinery, was founded in Salo in 1955. Since then the company has expanded its market area to cover the whole country. The web store of Kone-Glans was launched already in the late 90’s.

More payment methods

Maksuturvas services were integrated in the web store as a part of a renewal process.

“We had been looking to expand the payment options of the web store for a while already, and Maksuturva seemed to be the right choice for our needs. The payment options are extensive and risk-free from our point of view. For us this integration has brought extremely positive experiences so far. Buyers are clearly utilizing the possibility to choose from the large selection of payment methods and we believe this will further increase our sales”, states the Product Manager of the web store, Kalle Glans.

In addition to payment methods, the tools for managing product returns are seen as a value-adding service at Kone-Glans. Kalle Glans thinks these tools are a good way to distinguish the web store from the competitors, because they bring the feeling of safety for the customers, and hence makes it easier to make purchase decisions. Moreover, it serves both the customers and the web store personnel by for example making order tracking possible.

Case CWT Kaleva Travel

A payment service that is directly integrated to the company’s own system

Kaleva Travel uses Maksuturva’s tailored payment solution that was integrated directly into the CWT Kaleva Travel’s existing Amadeus booking system.

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CWT Finland is the biggest travel agency in Finland, and its offering includes everything from customized group and events services to tourism and leisure travels. CWT Kaleva Travel is part of Carlson Wagonlit Travel (CWT) Group, which operates in 157 countries.

A tailored payment solution

Maksuturva’s service is built on an intelligent platform that can be customized in order to fill the needs of web stores with high demands and/or sales volumes. Customized payment solutions are integrated as a project delivery where the web store’s needs are taken into account and the service is modified to support the customer’s systems.

Kaleva Travel chose Maksuturva’s tailored payment solution that was integrated directly into the CWT Kaleva Travel’s existing booking system. After implementing the payment service, the customers of CWT Kaleva Travel have been able to pay their hotel and flight packages reliably using the payment method of their own choice. ”Our goal was to carry out the change of payment service so that the use of our booking system could be continued seamlessly both in the customer interface and in our own back-end systems. This goal was achieved in an excellent manner”, states Päivi Harajärvi, the product manager of CWT Kaleva Travel.

Activation of the service

”Working with Maksuturva has been smooth, and all possible questions were answered professionally and fast. The project progressed in a controlled manner and the implementation was successful”, states Harajärvi.

Case Maritim

Gaining customer satisfaction through reliable service

The web store’s payment methods are managed through Maksuturva. As a result, customers are offered safe online payments, which shows in customer satisfaction.

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Maritim has reached a strong market position on international level as a seller of boating equipment. The web store of the company has become an important sales channel in addition to the wide retailer network and a brick-and-mortar store.

Safe payments for customers

The web store administrator Tiina Koivu is excited about the service especially because it makes paying online risk-free: all the payment methods are managed via a trustworthy service provider, and the customers are always allowed to check their purchase before the payments are forwarded to the web store’s bank account.

The company expects customer satisfaction to increase now that all the questions related to the orders and payments as well as possible order returns are handled efficiently and easily.

Maksuturva’s customer service works

Koivu sends happy greetings to all who consider ordering Maksuturva’s services: ”Excellent choice – Maksuturva’s way of handling everything is exemplary. Also the customer service is friendly and quick, outstanding actually. I wish all companies would be like Maksuturva.”

Case Metsä Group

A customized solution enables division of payments to multiple accounts

 Payments made in Metsä Group’s web store can be divided and settled to multiple parties.

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Metsä Group provides its members with an online marketplace where all its partners can sell their products and services. The more wood you sell, the more you will be credited online store bonuses, which are also accepted as a payment method at the marketplace.

A solution that complies with the web store’s needs

Maksuturva provides a customized payment solution to Metsä Group’s and its partners’ web store. The specialty in this solution, that also includes the Satisfaction Guarantee, is that the payment of one shopping cart can be divided and transferred to multiple merchants.

”With Maksuturva’s Multivendor solution we are able to connect multiple vendors to our marketplace as the money transactions are handled completely automatically. All the steps of the project were handled excellently and we are extremely satisfied with the high quality of the service”, says Hannes Vickholm from Metsä Group.