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Paying the invoice in installments
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Paying the invoice in installments

Do you need more flexibility for paying invoices? Now you can also pay your invoices in installments, thanks to the payment option offered by Collector Bank AB.

How does it work?

When you receive an invoice in OmaPosti, you can choose the “Pay in installments” payment option.

The creditor, Collector Bank AB (“CB”), will pay your invoice to the issuer of the invoice on the due date. CB will send you the first credit account invoice through OmaPosti in the middle of the following month.

Depending on the amount of credit, you can extend the payment period up to 36 months. In order to pay the invoice in installments, you must sign a credit agreement with CB.

When you use the “Pay in installments” option, you must read CB’s general invoicing, credit account and installment payment terms and conditions and accept them as binding. You must also give your personal identity number, which CB will use in checking your credit-worthiness.

Do I need to pay an additional charge for paying my invoice in installments?

Yes.

A monthly fee of EUR 2.95 and an interest charge based on an annual interest rate of 14.9% will be added to the monthly CB credit account invoice. If you pay the first credit account invoice in full by the due date, you will not be charged interest.

How large installments must I pay?

Depending on the amount of credit, you can extend the payment period up to 36 months. The invoice indicates the minimum sum that has to be paid. You can increase the sum if you wish.

In order to pay the invoice in installments, you must sign a credit agreement with CB.

What should I do when I receive an invoice from Collector Bank?

When you receive a credit account invoice from CB, you can choose whether you want to pay it in installments or in one lump sum. If you pay the invoice in full, you will not be charged interest. The monthly fee of EUR 2.95 is added to the invoice. If you want to pay the invoice in installments, you must sign a credit agreement with Collector Bank on their website. In OmaPosti’s payment view, there is a function to direct you to CB’s service. If you do not sign a credit agreement, you will be charged a reminder charge of EUR 5. In CB’s service, you can see if you already have a valid credit agreement. When you open an invoice you have received from Collector Bank in the OmaPosti Android application, you can see the minimum sum that has to be paid. You can also see the total sum of the invoice. You can change the sum freely before paying the invoice.

Minne Collector Bankin lasku toimitetaan?

Kun käytät Maksa lasku osissa -maksutapaa, lisätään Collector Bank niiden lähettäjien joukkoon, jotka saavat lähettää sinulle postia sähköisessä muodossa. Saat Collector Bankin laskun siis OmaPostiin.

Voit kuitenkin koska tahansa muuttaa OmaPostin lähettäjäasetuksia. Jos sinulla on kaikki lähettäjät valittuna, saat laskun OmaPostiin sähköisessä muodossa. Jos sinulla on valitut lähettäjät, voit hallinnoida saako Collector Bank lähettää laskun OmaPostiin. Jos poistat Collector Bankin Valitut lähettäjät -listalta, lasku toimitetaan sinulle postitse paperimuodossa.

Can I pay a Collector Bank invoice somewhere other than in OmaPosti

You can pay the invoice you receive from Collector Bank also by other means than OmaPosti. Also in this case, please note that if you do not pay the invoice in full, you must sign a credit agreement with Collector Bank on their website.

Where can I see the invoices that I have paid with CB’s “Pay in installments” option?

Go to OmaPosti’s “All” or “Invoices” view. Click the search button (magnifying glass) on the top bar. Enter “Collector” in the search field. You can see all invoices paid with Collector Bank’s “Pay in installments” option. You can see the indication “Payment has been processed / Collector Bank” in the invoice information. You can see the payment details of an individual invoice when you open the invoice. If you use CB’s “Pay in installments” option for many invoices, you will receive only one summary invoice per month.

How many invoices will I receive from Collector Bank?

You will receive a credit account invoice from CB monthly until you have paid the credit back in full.

The function is in the pilot phase

The function is currently in the pilot phase and only works in the Android application. This means that you see installment functions only with the Android operating system if you belong to the pilot user group. The pilot function is assigned to some users at random and cannot be specifically assigned to a certain user. The aim of the pilot is to collect experiences of the use of the function and to ensure that it works smoothly before introducing it to all users. Using the function is not obligatory.

If you use OmaPosti with another device or through the OmaPosti website, you will not see invoice-related installment functions. However, you can pay your Collector Bank invoice in full through other channels.