The product price is the price displayed at the time of ordering. Shipping charges are added when applicable and vary according to the destination of the order. Our shipping charges can be seen under the topic Shipping costs. All prices are displayed in euros (EUR) and include value added tax (VAT). Please note that when ordering products outside Finland, VAT is determined according to the country of delivery. The final price will be shown at checkout. Items shipped outside of the EU are VAT free. Please note that additional customs, duties and brokerage charges may apply depending on the destination and will be collected at the time of delivery. Balmuir is not responsible for these charges. Your placed order represents a purchase order to Balmuir. The sale becomes binding when we receive payment and dispatch the order to you. The Balmuir Web Store reserves the right to reject orders at its own discretion. Payment must be received prior to accepting an order. We accept the following credit and debit cards: Visa, Visa Electron and MasterCard. The Balmuir Web Store saves your order data. If you wish to receive a printout of your order, you can print out an “Order Confirmation”. This order confirmation will appear on your screen once you have completed the process by clicking on “Place Order” and once your credit card information has successfully been processed. Furthermore, you will receive the order confirmation with all given data by email, which may be printed out as well.
Payment service provider
Paytrail Oyj (2122839-7) acts as an implementer of the payment handling service and as a Payment Service Provider. Paytrail Oyj will be shown as the recipient in the invoice and Paytrail Oyj will forward the payment to the merchant. Paytrail Oyj is an authorized Payment Institution.
Paytrail Oyj, business ID 2122839-7
Phone: +358 207 181830
Paytrail Oyj (FI2122839) provides netbank related payment transfer services in co-operation with Finnish banks and credit institutions. For consumer the service works exactly the same way as traditional web payments.
- Flexible and safe payment method
- Up to 30 days of payment time
- Once you receive your invoice, you can decide if you pay in several installments.
- Processing fee is 2.95 € (regardless of the monthly purchase)
All orders made during the billing month are collected on one invoice. We offer the Invoice in cooperation with Avarda Oy. At the time of purchase, a credit decision is made in which your address and credit information can be checked. The loan is granted by Avarda Oy. Avarda is the registered subsidiary of TF Bank AB, the Finnish branch. If your application is not approved, you can choose another payment method.
The late payment fee is 5 €.
- 36 months payment period
- No opening fee
- Account management fee 2.95 € / month (regardless of monthly purchase)
- You choose how much you pay per month
- The accounting statement is sent on the 17th day and the due date is on the 3rd of the following month
All orders made during the billing month are collected on one invoice. We offer the installment credit in cooperation with Avarda Oy. At the time of purchase, a credit decision is made in which your address and credit information can be checked. The loan is granted by Avarda Oy. If your application is not approved, you can choose another payment method. The late payment fee is 5 €.
The annual interest rate for the installment credit is 19.90%. With a payback period of 12 months and a credit of 1000 € the annual effective interest rate of 29.35%. You can pay off the remaining credit at any time
General loan terms and standard European Consumer Credit Information (SECCI) can be found here.
Betalningsförmedlingstjänsten utförs och som leverantör står Paytrail Oyj(2122839-7) i samarbete med banker och kreditinstitut. Betalningar med Visa Electron eller MasterCard-kort syns Paytrail Oyj som mottagare i korträkningen och även förmedlar betalningen till köpmannen. Paytrail Oyj har verksamhetstillstånd för betalningsinstitut beviljat av Finansinspektionen. Vid klagomål ber vi er i första hand vara i kontakt med nätbutiken.
Paytrail Oyj, FO-nummer: 2122839-7
Telefon: +358 207 181830
Vid betalningar via nätbanker genomför Paytrail Oyj (2122839-7) betalningsförmedlingstjänsten i samarbete med banker och kreditinstitut i Finland. För konsumenten fungerar tjänsten exakt på samma sätt som vid traditionell e- betalning.