More than just payment methods

 Simple payments for your customers, easy business for you.

Varusteleka
Zalando
Neste
Messukeskus
Olympiakomitea
Trainer 4 You
Puuilo
Instrumentarium
Paulig
Omena Hotellit
Detur
Atria
Nissen
HSL
EQ
Autonomi
Bauhaus
Berner
Reima
Nanso
IKH
Autoasi

Svea Payments (formerly known as Maksuturva Group) offers a comprehensive range of payment methods for both online and offline sales as well as innovative and unique features to help your business grow and be more effective. 

Contact us

More growth

Our payment methods can increase the value of your shopping cart on average three-fold.

More efficiency

Our service features will help you save time and money by being more efficient.

More support

Not just payments - our wide service range supports the growth of your business.

What is Svea Payments

If you want to offer your customers all the payment methods that they want to use from for example online bank and card payments to paying in installments or with a mobile app and recurring payments, we have it all. Payment methods are the core of any online or offline shop. But, to support the growth of your business and efficiency to reduce costs and increase profits, we have some extraordinary features that we have created based on our customers' needs.

Features that help both you and your customers

Our Buyer's Assistant -service enables your customers to control their order online. They can for example track the delivery of their order, make changes such as returns or contact you if there's something wrong with their order. You will be notified of any changes immediately and can accept money refunds with just one click. This saves time and allows your customer service to concentrate on other work.

We offer several different settlement models to fit even the most demanding needs. For many, basic bundled settlements are all that's needed, but especially larger web stores often need a settlement model that will enable automation in background processes. For needs like this, we have transaction-specific settlements either in gross or net, where every transaction is settled to the web store's bank account with its original reference number. For larger online market places we offer multivendor settlements, where every settlement can be divided to two or more parties without you having to make complex calculations and settlements to ensure every party gets their share.

Ask us more!

 

A comprehensive partnership

By being part of the Svea Group, we can even be your partner in other areas of business; Svea offers for example flexible financing for companies, debt collection or finances your invoices so that you get paid right away and we wait for your end-customer's payment. Svea Group operates in several countries in the Nordics and Europe, so we have the benefits of an international corporation while still maintaining important local market knowledge. Svea Ekonomi is Commitment, Competence and Drive. Read more about Svea.

The Finnish Olympic Committee

Special needs require flexibility and ability to customize services

The Finnish Olympic Committee is the national main organization for exercise and sports. Its responsibilities and tasks include the development on Finnish competitive sports as well as the promotion of everyday activity and exercise. The organization’s ... Read more

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The Finnish Olympic Committee

The Finnish Olympic Committee

Special needs require flexibility and ability to customize services

The Finnish Olympic Committee is the national main organization for exercise and sports. Its responsibilities and tasks include the development on Finnish competitive sports as well as the promotion of everyday activity and exercise. The organization’s operations reach people all the way from primary education and schools to working life, professional sports and sport politics.

The Finnish Olympic Committee provides the members of sports organizations an online service called the Suomisport service, where members can purchase licenses for competitions. Usability on any device has been one of the main objectives when developing the service. In the future, also memberships and events will become available for purchase through the service.

Svea Payments (then Maksuturva Group) was chosen as the payment service provider for Suomisport after a public tendering process. One of our advantages was the required flexibility for a big project like the Suomisport service. “One of the key factors in choosing your service was the ability to flexibly customize the payment service to fit our specific needs”, says the Project Manager of the Finnish Olympic Committee, Juha Saapunki. The Finnish Olympic Committee says, that the project was carried out in good co-operation between us, the software provider Vincit and sports organizations in the pilot phase.

As payment methods in the Suomisport service there are online bank and card payments as well as invoice and part payment. In addition to these, Suomisport also uses mobile payment methods. Juha Saapunki says, that he believes mobile payments will continue to become increasingly popular and already based on a few months piloting of the service in the beginning, it was evident that the use of mobile payment methods is steadily increasing. Mobile payments, as the other payment methods, have worked impeccably.

One of the special features of the service is, that the chosen settlement model is the multivendor settlement model. In this settlement model, it is possible to distribute settlements to several different parties. This automatic distribution of settlements to different parties using the service is a key feature for the Suomisport service. “This is an extremely important feature and you created a suitable solution for us excellently”, says Juha Saapunki from the Finnish Olympic Committee. Settlements can be divided among several parties regardless of the payment method, which is a unique feature among the available payment services on the market.

Juha Saapunki tells us, that the Finnish Olympic Committee has been extremely satisfied with their choice of us Maksuturva as their payment service provider and that they have always received professional guidance when necessary from our customer service. Our aim is to constantly develop our services, and the Finnish Olympic Committee would like to challenge us to continue to develop and improve our services, as Suomisport is being developed to be the best sports service in Finland. In the future, one of the main challenges will be the further development, where the Suomisport service will be extended to the use of sports clubs as well as to the customer-oriented management of membership and event fees.

As a conclusion, Juha Saapunki would like to send these greetings to companies considering taking our services in use: “I can warmly recommend choosing you as the payment service provider for a modern online service. At the same time, I hope you will continue to invest in the development of your services and will continue to be able to implement innovative and cost-effective solutions”. We here at Svea Payments will do our very best to rise to the challenge.

 

Messukeskus

Transaction-based gross settlements are the choice of a big web store

The Finnish Fair Corporation, the company that owns Messukeskus, was founded in the year 1919. In 1975 Messukeskus moved to the Pasila district in Helsinki and nowadays is an international expo and convention centre that hosts 2200 meetings and ... Read more

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Messukeskus

Messukeskus

Transaction-based gross settlements are the choice of a big web store

The Finnish Fair Corporation, the company that owns Messukeskus, was founded in the year 1919. In 1975 Messukeskus moved to the Pasila district in Helsinki and nowadays is an international expo and convention centre that hosts 2200 meetings and congresses as well as 75 fairs every year. There are for example 40 meeting rooms, 7 exhibition halls, tens of cafés and restaurants and 244 hotel rooms at Messukeskus. Tickets to events are sold at Messukeskus’ web store where our payment methods have been in use since 2014.

The Messukeskus ticket store shop.messukeskus.com was taken in use in 2013 and already during the first year it became clear, that the operational concept of the web store’s payment service provider at the time was very time consuming. Bundled net settlements that the payment service provider was offering at the time caused a huge amount of manual work with reconciliations and accounting, so Messukeskus needed a service feature that can make the process automatic. Investigations into finding such a service began in the beginning of 2014. “At this point, Svea Payments (then operating under the name Maksuturva) came into the picture by paying attention to the customer’s needs and offered us transaction-based gross settlements. We chose you as the payment service provider for Messukeskus’ ticket store because you listened to the customer’s needs and were able to offer a solution that fit these needs for a reasonable price”, says Eila Immonen, IT project manager at Messukeskus.

In 2014, we were developing the gross settlement model and in the fall Messukeskus was one of the first customers to take the new settlement model in use. There was a training session held for Messukeskus’ employees about our services and technical details were reviewed and refined in a collaborative project with the web store platform provider over the course of a few months. “The project was handled efficiently and you offered us support in the integration of the payment service”, says Eila Immonen.

Messukeskus uses a transaction-based gross settlement model where payments are settled to the web store separately, in full and with a reference number generated by the web store. Transaction fees are billed afterwards. Messukeskus’ web store, that uses the Magento Enterprise platform, sends the sales orders directly to the accounts receivables of the accounting system with the order reference that the web store has generated. The settlements that we make then go to the accounts receivables through OpusCapita and are added to accounting, where revenues can be automatically recorded in the right dimension. “Your service has worked excellently”, thanks Eila Immonen.

As payment methods, Messukeskus uses invoice and part payment in addition to online bank, credit and debit card and mobile payments. “The opportunity to pay tickets by invoice has been received as a very good option among our customers”, says Riitta Ulmanen, customer service manager at Messukeskus. Especially the organizers of fair trips in smaller associations and other groups have been satisfied with this payment method. Invoice is especially useful for groups: all tickets can be bought at the same time and added to the same order and the invoice can be paid when the tickets have been paid for by the participants.

Messukeskus has renewed its entrance systems during 2017-2018. Customers that have bought their tickets in the web store and print ticket users can use a QR-code for entrance. Visitors can also register for professional events at Messukeskus for a fee. Our payment services are also used for the payments made in the visitor registration system. “Here at Messukeskus, we have been satisfied with the service and the operational security of the payment system. During all these years there have not been many problems with the service. No news is always good news…”, says Eila Immonen.

Moda Aukia

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

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

The web store Aukia.fi is part of the Aukia Group, ... Read more

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Moda Aukia

Moda Aukia

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

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

The web store Aukia.fi is part of the Aukia Group, founded in 1956, that also includes the stores Moda Aukia and Jim&Jill whose selection consists of clothing, shoes and accessories. ”We chose you as 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.

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 speeds up the cycle of selling returned products and reduces the costs of returns. Our clientele consists of many new online shoppers, and for them the return tools decreases the threshold for purchasing online”, states Aukia.

Aukia says the implementation of our 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 our services.

 

Our story

Svea Payments was formerly know as Maksuturva Group, that was originally founded in 2007. Back then, nobody had yet combined online payments and logistics data, which Maksuturva did - making online buying safer for consumers, as payments were forwarded to the web store only after delivery. A wide range of payment methods and agility to add and develop new ones was always in the core of our business.

Maksuturva was one of the pioneers of online payments in Finland and grew to be one of the top payment service providers, always developing services according to its customers' needs and innovative features to solve many of the challenges of e-commerce.

Today, Maksuturva is part of the Svea Group and carries the name Svea Payments. We are an internationally active payment institution authorized and monitored by Finland's Financial Supervisory Authority, which has the license compliant with the European Union’s Payment Services Directive (PSD, 2007/64/EC) to offer electronic payment services.

The technical realization of our payment services is offered by Svea Development Oy together with certified service providers. The service management of these operating services is certified in accordance with the ISO/IEC 20000 and ISO/IEC 27001 standards. Svea Payments Oy and all of its card payment-related technical partners are PCI DSS Level 1 certified. 

Our employees are experienced specialists in the commerce field, e-business, the banking sector and information technology. Our operations combine banking field security with the customer orientation of the service industry. The quality of our services is backed by technology selected with professional skill and a carefully assembled network of partners.

Service features and price list

 

Monthly fees

Initial fee

 100

Monthly fee (36-month contract)

 59 €/month

Monthly fee (24-month contract)

 65 €/month

Monthly fee (12-month contract)

 70 €/month

Monthly fee (term of notice: one month)

 79 €/month

   

Transaction fees

 

Part Payment

 0

Invoice and B2B Invoice

 2,45 € + 2,95 %

Online banking: OP, Aktia, Danske Bank, Ålandsbanken, Handelsbanken, POP-pankki, S-Pankki, Oma Säästöpankki, Säästöpankit 

 0,35 €/transaction

Online banking: Nordea

 0,50 €/transaction

Debit and credit cards

 

Visa, MasterCard & Eurocard

 0,35 €/transaction + 1,55 %

MobilePay

 0,46 €/transaction + 1,55 %

Pivo

 0,35 €/transaction + 1,55 %

Siirto

 0,35 €/transaction + 1,55 %

Masterpass

 0,35 €/transaction + 1,55 %

 

 

Other payment methods (merchant's own contract)

 

PayPal

 0,25 € + PayPal's own pricing

American Express

 0,25 € + fee charged by American Express 

Diners Club

 0,25 € + fee charged by Diners Club

 

 

Settlements

 

Gross settlements

 49 €/kk

Shopping basket -specific settelement with original reference number dailt

+ 0,08 €/paid shopping basket

 

 

Order management

 

Buyer's Assistant -service for effective handling of returns and refunds

 50 €/kk

Additional credentials to Extranet

 19 €/user/month

 

 

Branded payment service

 

Branding of payment page and possible return/refund form

Contact us for detailed informaiton.

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