Maksutavat

VismaPay

Verkkokaupan maksuvälittäjänä toimii Visma Pay (Visma Payments Oy, y-tunnus 2486559-4), joka on rekisteröity Finanssivalvonnan ylläpitämään maksulaitosrekisteriin. Maksamiseen siirrytään Visma Payn verkkopalvelun kautta ja tiliotteella ja laskulla maksun saajana näkyy Visma Pay tai Visma Payments Oy. Visma Pay välittää maksut verkkokauppiaalle. Maksaminen on turvallista, sillä kaikki maksutapahtumaa koskevat tiedot välitetään salattua yhteyttä käyttäen niin ettei kukaan ulkopuolinen taho näe maksutapahtuman tietoja.

Kauppa syntyy verkkokaupan asiakkaan ja verkkokaupan välille. Verkkokaupan vastuulla ovat kaikki kauppaan liittyvät velvoitteet.

Lue lisää Visma Paysta: https://www.visma.fi/vismapay/

Maksutavat

Visma Pay -palvelun kautta voit maksaa maksukortilla (credit/debit). Käytettävissä ovat seuraavat maksutavat: Visa-, Visa Debit-, Visa Electron-, Edenred-, MasterCard- ja Debit MasterCard -kortit.

Ostoksen voit maksaa myös yleisimpien verkkopankkien kautta.

Visma Pay -maksupalvelun yhteystiedot

Visma Payments Oy (Y-tunnus 2486559-4)
Sähköposti: helpdesk@vismapay.com
Puhelin: 09 315 42 037 (arkisin klo 8-16)
Postiosoite: Brahenkatu 4, 53100 Lappeenranta

WnPay

WnPay Payment Link Terms and Conditions

Last updated: 11.6.2026

These Payment Link Terms and Conditions apply to payments made through payment links issued by WiseNetwork Oy (“WiseNetwork”, “we”, “us”, or “our”). By completing a payment through a WiseNetwork payment link, you agree to these terms.

These terms apply only to the payment transaction and the purchase described in the relevant payment link, invoice, order confirmation, agreement, or written communication.

1. Merchant and Legal Entity Information

The merchant responsible for the payment link is:

WiseNetwork Oy
Business ID: 2480579-4
VAT ID: FI24805794
Registered address: Luotsinmäenpuistokatu 2, 28100 Pori
Email: taloushallinto@wisenetwork.fi
Phone: +358 440 591906
Website: wisenetwork.fi

The legal entity responsible for payment processing for payment links is WiseNetwork Oy, unless otherwise stated in the relevant invoice, agreement, or payment page.

2. Products and Services

WiseNetwork Oy provides technology services, software services, consulting, digital network services, integrations, subscriptions, support services and project-based services

A payment link may be issued for, among other things:

one-time service fees;
invoices for completed or ongoing services;
subscriptions or recurring service periods;
setup, onboarding, or implementation fees;
deposits or prepayments;
project milestones;
digital products, software access, or professional services.

The specific product or service being purchased is described in the payment link, invoice, order confirmation, proposal, contract, statement of work, or other written communication between WiseNetwork Oy and the customer.

3. Payment Process

Payment links are provided through Adyen Pay by Link or another authorized payment service provider.

When you open a payment link, you will be directed to a secure hosted payment page where you may choose from the payment methods made available for that transaction. Adyen describes Pay by Link as a payment flow where the customer is taken to a secure Adyen-hosted payment page to pay using an available payment method. (Adyen Docs)

Payments may be processed:

immediately as a one-time payment;
as payment of an invoice;
as a prepayment or deposit;
as payment for a subscription period;
as another payment type described in the payment link or related agreement.

A payment is considered completed only after WiseNetwork Oy or its payment service provider has confirmed successful payment authorization or settlement.

WiseNetwork Oy may refuse, cancel, delay, or refund a payment if we reasonably suspect fraud, misuse, unauthorized payment, sanctions risk, technical error, regulatory issue, or incorrect payment details.

4. Third Parties Involved

Third parties may be involved in providing, processing, securing, or supporting the payment and the related service. These may include:

payment service providers, including Adyen;
banks, card schemes, and payment method providers;
fraud prevention and identity verification providers;
cloud hosting, software, analytics, accounting, invoicing, and customer support providers;
subcontractors or implementation partners involved in delivering the purchased service.

Third-party providers may apply their own terms, privacy notices, authentication requirements, and security checks.

5. Prices, Taxes, and Currency

The amount payable, currency, and applicable taxes are shown in the payment link, invoice, or related order documentation.

Unless otherwise stated, prices are shown in EUR.

VAT and other applicable taxes will be charged according to Finnish and applicable EU tax rules. Where the customer is a business customer, reverse charge or other VAT treatment may apply if the required billing and VAT details are provided.

You are responsible for ensuring that billing information, company details, VAT number, payment reference, and payer information are accurate.

6. Delivery of Products and Services

Delivery depends on the type of product or service purchased.

Unless otherwise agreed:

digital service access is provided after payment confirmation and necessary onboarding information has been received;
consulting, implementation, or project services are delivered according to the applicable proposal, statement of work, agreement, or schedule agreed with the customer;
subscription services begin on the start date stated in the invoice, order confirmation, subscription terms, or written agreement;
support services are provided according to the applicable service level, plan, or agreement.

WiseNetwork Oy primarily provides services in EU. If a product or service is limited to certain countries or regions, this will be stated in the relevant offer, agreement, or payment documentation.

7. Customer Responsibilities

You must provide accurate and complete information needed for payment, invoicing, onboarding, service delivery, tax compliance, and communication.

Where you make payment on behalf of a company or organization, you confirm that you are authorized to make the payment and bind that organization to the transaction.

You must not use WiseNetwork Oy’s services for unlawful, fraudulent, abusive, or unauthorized purposes.

8. Cancellations

Cancellation rights depend on the type of product or service purchased and whether you are acting as a consumer or business customer.

For business customers, cancellation is governed by the applicable agreement, order confirmation, statement of work, subscription terms, or invoice terms. If no separate cancellation terms apply, paid services may be cancelled only with WiseNetwork Oy’s written approval.

For consumers, statutory cancellation rights under applicable Finnish and EU consumer law apply where relevant.

Where services, digital content, or digital services begin before the end of a statutory withdrawal period with the customer’s consent, cancellation rights may be limited as permitted by law.

Cancellation requests must be sent to: taloushallinto@wisenetwork.fi

The request should include the customer name, payment reference, invoice number if available, payment date, payment amount, and reason for cancellation.

9. Refund Policy

Refund eligibility depends on the product or service purchased, the customer type, and the applicable agreement.

Unless otherwise stated in writing:

payments for completed services are non-refundable;
setup fees, onboarding fees, implementation fees, administrative fees, and custom work fees are non-refundable once work has started;
subscription payments are non-refundable for the active billing period unless required by law or expressly agreed otherwise;
deposits and prepayments may be non-refundable if costs have been incurred or work has started;
duplicate payments or clear payment errors will be reviewed and refunded where appropriate.

Approved refunds are normally returned to the original payment method. Refund processing times may depend on Adyen, the relevant payment method, card issuer, bank, or payment provider.

WiseNetwork Oy may deduct from any refund amounts already earned, costs incurred, transaction charges, or other amounts permitted by law or contract.

10. Returns

WiseNetwork Oy primarily provides services and digital products.

If a payment link relates to a physical product, the return process, return address, return deadline, shipping responsibility, and condition requirements will be stated in the relevant order confirmation, agreement, or product-specific terms.

11. Failed Payments, Chargebacks, and Payment Disputes

If a payment fails, is reversed, is charged back, or is disputed, WiseNetwork Oy may suspend or delay delivery, access, support, or service performance until the issue is resolved.

You remain responsible for all valid amounts owed to WiseNetwork Oy. Where permitted by law, you may also be responsible for costs caused by chargebacks, failed payments, recovery actions, bank charges, or payment disputes.

12. Privacy Policy

WiseNetwork Oy processes personal data in connection with payment links, customer administration, invoicing, service delivery, fraud prevention, legal compliance, and customer support.

Personal data processed may include:

name;
company name;
billing address;
email address;
phone number;
payment status;
transaction reference;
invoice details;
VAT or tax information;
service-related information;
technical metadata connected to payment, fraud prevention, and security.

Payment data may be shared with third parties where necessary, including Adyen, banks, card schemes, payment method providers, fraud prevention providers, accounting systems, cloud service providers, customer support providers, tax authorities, regulators, or professional advisers.

WiseNetwork Oy’s Privacy Policy is available here:

https://wisenetwork.fi/tietosuojaseloste

13. Cookies

The payment page, WiseNetwork Oy website, and related third-party services may use cookies or similar technologies for essential functionality, security, analytics, fraud prevention, user experience, and payment processing.

WiseNetwork Oy’s Cookie Policy is available here:

https://wisenetwork.fi/tietosuojaseloste

Adyen or other payment service providers may also use cookies or similar technologies on their hosted payment pages according to their own policies.

14. Security

Payments are processed through secure third-party payment infrastructure. WiseNetwork Oy does not request or store full card numbers, card security codes, or equivalent sensitive payment credentials unless specifically permitted by law and handled through compliant payment infrastructure.

You must not share payment links publicly unless the link is intended for public use. If you believe a payment link has been misused or sent to the wrong recipient, contact WiseNetwork Oy immediately.

15. Service-Specific Terms

Some WiseNetwork Oy services may be subject to additional terms, such as:

master service agreements;
subscription terms;
service level agreements;
acceptable use policies;
data processing agreements;
statements of work;
product-specific terms;
invoice terms.

If these Payment Link Terms conflict with a separately agreed written contract between WiseNetwork Oy and the customer, the separately agreed written contract prevails to the extent of the conflict.

16. Limitation of Liability

To the maximum extent permitted by applicable law, WiseNetwork Oy is not liable for indirect, incidental, special, consequential, punitive, or business interruption losses, including loss of profit, revenue, data, goodwill, expected savings, or business opportunity.

WiseNetwork Oy’s total liability in connection with a payment link transaction is limited to the amount paid through the relevant payment link, unless mandatory law or a separate written agreement provides otherwise.

Nothing in these terms limits liability that cannot legally be limited.

17. Governing Law

These terms and the relationship between WiseNetwork Oy and the customer are governed by the laws of Finland, unless mandatory consumer protection laws require otherwise.

18. Dispute Resolution

Any disputes should first be addressed by contacting WiseNetwork Oy at:

taloushallinto@wisenetwork.fi

If the dispute cannot be resolved amicably, disputes will be handled by the competent courts of Finland, unless mandatory law provides another venue.

Consumers may also have the right to contact applicable consumer dispute resolution authorities.

19. Changes to These Terms

WiseNetwork Oy may update these Payment Link Terms and Conditions from time to time. The version in effect at the time of payment applies to that payment unless otherwise required by law.

20. Contact Information

For billing, payment, cancellation, refund, privacy, or service delivery questions, contact: