Payment Policy

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ORDERING CUSTOM MADE PRODUCT BY EMAIL? You will get the instructions and details about delivery time, payment etc. by email.

All the payments of Kinos Design online store are managed by Checkout Finland.


Checkout is a secure payment method for you. We have a payment management license issued by the Finnish Financial Supervisory Authority. The service is maintained by Checkout Finland Ltd (Business ID 2196606-6) and Checkout Finland Oy is part of OP Group.

The Checkout Payments Service passes your payment to the merchant. If you see Checkout Finland Oy on your bank statement or credit card statement, we have provided your payment. The e-shop acts as a marketer for products and services and as a product supplier for the customer. The e-shop is responsible for the statutory and other obligations of the retailer. If you want to advertise or return your product, you should be in direct contact with the online store where the product was ordered.  

Bank Payments

You have the payment buttons for all Finnish banks. You can pay with the payment buttons of Aktia, Danske Bank, Handelsbank, Nordea, Oma Säästöpankki, Osuuspankki, POP-pankki, Säästöpankki, S-pankki ja Ålandsbanken.

As a payee for your account, Checkout Finland Oy will display your payment to your online merchant. From the online store you are directed directly to your bank to make payment safely.

Checkout Finland also offers the option to pay via the bank transfer form.

Credit card payments

You can pay online with Visa, Visa Debit, Visa Electron, MasterCard and Debit MasterCard. Verified by Visa and MasterCard SecureCode authentication services are used online. Checkout appears as a payee with a card payment and passes the payment card payment paid by the customer directly to the merchant. Card payments are secured by a secure payment form, and payment card information is not stored in e-commerce systems.  

Mobile Payment

Mobile Payments Pivo, MobilePay, and Masterpass are service-based services that can pay for online purchases as a bank account or as a card payment by accepting a payment in that application. In addition, you will be able to complete the Transfer Fees so that the payment can be accepted in any application that supports the Migration.

Pivo Terms of use are available at Pivo's website:äyttöehdot

MobilePay Terms of payment are available on MobilePay's website:

Master Pass Payment terms are available on the Masterpass website:  

GSM-payment Ainapay

The service is based on the 060605 payment service numbers. Payment is made by calling the payment service number and acting in accordance with the audio editions. The cost of the service is per service number and includes the price of the product and the billing compensation associated with the service. In addition to the service price, the customer pays the normal mobile payment fee according to the pricing of his / her own mobile operator. GSM payments are charged to the user's bill.

  • Restrictions on use of the service / mobile subscription:
  • Single purchase transaction up to € 52.32 (including VAT)
  • Shopping per month up to € 100 (including VAT)
  • Up to two purchases per day It does not work with prepaid subscriptions

More information:  

Invoice and hire payment services

Invoice and payout services through Checkout are provided by OP, Collector, Flex, Mash (former Euroloan) and Svea. Collector and Svea offer invoice and payment options to corporate customers as well.

Here are some more specific terms that you see when accepting your payment. When you accept the payment, you agree to the terms of the financial company.

Collector's billing terms are also available on their website:

Here are the consumer terms for the invoice and payment method for OP.

Learn more about invoice and payout methods:




Webpay Svea