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https://www.kkv.fi/en/facts-and-advice/payment-bills-debt-collection/supplementary-fees-and-discounts/
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Supplementary fees and discounts

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Discount based on method of payment

An enterprise can generally grant a discount to a consumer on the basis of the method of payment. A discount can be granted for paying in a single instalment or for electronic billing.

However, granting a discount is not always appropriate. A discount must not be offered for paying on credit, compared with the price of cash payment, because granting a discount is an inappropriate way to influence a consumer's decision to take credit.

Surcharge based on method of payment

A company may not charge a fee from a consumer:

  • for the use of the most common payment cards, such as Visa and MasterCard. This is due to the fact that a fee may not be charged for the use of such payment cards the transmission prices of which are provided for in the decree on transmission price. A fee may not be charged when the payment service providers of both the payer and payee are located within the EU.
  • when a customer pays using a SEPA credit transfer or direct debiting. The SEPA credit transfer refers to euro-denominated credit transfers and direct debiting transactions in which the payment service providers of both the payer and payee are located within the EU.

A company may charge a separate payment method surcharge for using a method or means of payment other than the ones mentioned above if at least one commonly used method of payment is offered without a surcharge.

However, the fee charged for the use of other payment methods than those mentioned above must be appropriate and it may not exceed the payee’s actual costs.

The imposition of a surcharge must be stated clearly in advance in the same connection that the acceptability of the method or means of payment is stated.

A surcharge can be billed in cases such as when a consumer asks that instead of paying in cash, a bill should be sent to the consumer's home.


Keywords: Alennus, Maksutapalisä
Updated 6.11.2014 Print
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Updated 6.11.2014 Print
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