Companies can levy a separate surcharge for using a method or means of payment, if at least one commonly used method of payment is offered without a surcharge.
If a vendor levies a surcharge for using a credit card, for example, the payer, i.e. the consumer, must be informed of this at the beginning of the transaction in order to allow the consumer to decide, before making the payment, whether they want to use the means of payment in question.
Surcharges levied for the use of a specific means of payment cannot be arbitrary but must correspond to the actual costs incurred from the use of the means of payment in question.
The Consumer Ombudsman supervises the levying of surcharges for the use of methods of payment. In connection with individual disputes, consumers can turn to the Consumer Advisory Service provided by Local Register Offices for advice. Advice relating to goods or services purchased outside Finland from other EU countries, Norway or Island is available from the European Consumer Centre Finland.
Supplementary fees and discounts