Here you can find help in for example activating the service, as well as answers to frequently asked questions.
You obtain access to our payment service by following these instructions:
1. Order the service
Ordering the payment service can be handled either via our customer service or from our retailers. Before actual activation, we recommend testing the service. Please note that if you have ordered the service via an online form, our Customer Service will process your order before you are able to use the service.
2. Activate the service in your web store
Select the alternative describing your web store solution below:
3. Add terms & conditions and image materials to your web store
Enjoy the possibility to offer your customers a safe and smooth shopping experience in your web store.
Ordering the service
Before you order the service, get acquainted with the instructions concerning Maksuturva with regard to the web store software, or contact the software company’s Customer Service. You can order the service from our Customer Service.
Activation of payment service
Two separate sets of codes are connected with Maksuturva’s operations: Extranet as well as the technical interface codes. After completing the order, you obtain the Extranet codes. Keep the codes you have received in a safe place and use them to sign in to the Extranet service. You can obtain the technical interface codes (merchant code and secret key) from the Extranet service, which you should add in accordance with the web store software guidelines to your web store.
Payment services are, for example, online banking and card payments. A payment service can be offered only by a service provider that fulfills the requirements enacted in the payment institution legislation. Offering payment services is concerned when a service provider, acting between the payer and the payee, transfers funds between the parties on the basis of an assignment received from them. Maksuturva Group Ltd is this sort of payment service provider. We have invested in the security and client-friendliness of our payment services. Through the Extranet service included in the Maksuturva contract, refunds are handled effectively. Due to the Satisfaction Guarantee service offered to buyers, arranging product returns is also easy, and the store can ensure high-quality and reliable service to its customers under possible return circumstances as well.
Maksuturva’s return tools standardize and intensify the efficiency the control of special after-order situations (e.g., returns). Due to these effective tools, you can offer your customers a Satisfaction Guarantee: i.e., you ensure that orders are always delivered on-time and in the condition agreed – otherwise, the customer gets his/her money back easily. The Satisfaction Guarantee is thus the visible element for buyers in our return and refund tools, and your customers can report changes in their orders through the service whenever and wherever they want to do so.
In addition to all Finnish banks’ online banking payments and card payments as well as invoice and part payment services, the basic features of our service include for example the most flexible settlements on the market, in addition to return and refund tools that make web store operations more efficient. If you want more than basic features from the payment service, we’ll tailor a solution according to your needs.
Yes, you can. Maksuturva’s return and refund tools are included in all our services. You can also expand the return and refund tools with the Satisfaction Guarantee offered to buyers, allowing your customer to submit a return notice through an online form on the Web Buyer's Services page.
You can choose the settlement model to be either transaction-based or a consolidated type of settlement. With transaction-based settlements, we make the payments into your account using the original reference number used in the web store. Consolidated settlements are always made with the same pre-specified reference number. This concerns all payment methods: card payments can also be settled to the merchant on a transaction-by-transaction basis, using the original reference number. With regard to Svea WebPay Invoice and Part Payment, settlement always occurs, regardless of the settlement model, as a separate daily consolidated settlement when orders are paid by invoice and part payment. As a rule, money is paid for settlement depending on the method of delivery and settlement model 1-10 weekdays after the order has been made. The settlement period is longer if you decide to deploy Maksuturva’s Satisfaction Guarantee, which covers the 14-day return period compliant with the Consumer Protection Act (Kuluttajansuojalaki 38/1978, amended June 2014).
Yes. You can order test codes free-of-charge from our Technical Support.
Yes. The information regarding approved payments is delivered to the web store immediately. Payments can be followed either in the Extranet service or in the web store program management panel. By utilizing Extranet, you also gain access to the comprehensive business statistics services. This way you get clear reports on web store cash traffic, and you can also manage customers’ possible liaisons, returns and cancellations.
Payments are stored safely in separate customer backup accounts in Finnish banks. Customer assets are, in accordance with the company bylaws, separate from the assets of the company itself, and can be transferred only to the seller or buyer. Our operations are subject to regulation by Finland’s Financial Supervisory Authority, and all data transfer uses encrypted connections.
Thanks to Maksuturva’s return/refund tools as well as its Satisfaction Guarantee, we refund money automatically to the buyer when you’ve checked off the product for return. You can also arrange the return by means of Maksuturva’s return tool by selecting the time period yourself if you are not using the Satisfaction Guaranteed offered to buyers. By means of the Satisfaction Guarantee as well as the return/refund tools, refunds are automated for the time period you choose – and the account numbers of the customers concerned are also clarified if required on your behalf. As a default, the Satisfaction Guarantee covers the entire 14 days in accordance with the Consumer Protection Act. After this, you are directly responsible for customer refunds.
The amended Consumer Protection Act came into effect on 13 June 2014, bringing along with it a large number of regulations connected with the management of web store operations, particularly with regard to returns/refunds. By using Maksuturva's return/refund tools, the web store responds to these requirements automatically.
Our system alerts you if a card payment cannot be verified or the buyer is not reliably identified in connection with the remittance. In a verified transaction, the buyer is identified in connection with the online payment by means of separate codes provided by the payment card issuer. Use of verification services reduces the merchant’s risks, because a cardholder registered in the service can be reliably identified.
If the country code of the payment card issuer, buyer’s browser connection IP address country code and product/service delivery country differ from each other and/or the transaction cannot be identified, it’s a good idea to examine the order more carefully before delivery and consider possible contact with the buyer. You can reject the transaction if you have reason to suspect misuse. There is, however, reason to note that there can also be a natural explanation for a differing country code or different delivery information: for example, a foreign job assignment affecting the buyer, student exchange, or payment card issued by a multinational bank.
If you decide to cancel the transaction, we will handle the refund to the customer’s card. If you do not regard cancellation as required, we will redeem the purchase to you according to the normal procedure.
The liabilities of the merchant with regard to card payments can be found here.
More information about card payment risks and Maksuturva’s risk management tools can be found in the Extranet guidelines.