FGL Store - Terms of Payment

CARD PAYMENT
We offer card payment with Visa, Mastercard and Maestro. No extra charge is applied when using card payment. The card information is encrypted. We use 3D-Secure (Verified by Visa / MasterCard SecureCode), which is an authentication system for secure Visa and Mastercard card payments.

 

INVOICE
Ecster offers individuals the opportunity to handle invoices. An invoice fee of SEK 30 is added. Payment terms are 14 days. The invoice will be sent in conjunction with the delivery. In case of late or non-payment, a reminder fee will be paid in advance. SEK 60 and interest on late payment by 24% per annum.

At the time of purchase, a credit check is made which may mean that credit information is taken. Creditors are Ecster AB. Ecster is a registered credit market company authorized to conduct operations under the Banking and Financing Movement Act (2004: 297). Ecster is under the supervision of Finansinspektionen and is registered in the Swedish Companies Registration Office.

The prerequisite for being invoiced is that you are over 18 years of age and have no payment remarks.

 

PART PAYMENT

Ecster offers individuals the option of signing an account credit agreement and installment of purchase. At checkout, you choose payout and how many months you want to split the payment on. You can choose to pay the purchase at any time.

At the time of purchase, a credit check is made which may mean that credit information is taken. A copy of the credit information will be sent to you. Creditors are Ecster AB. Ecster is a registered credit market company authorized to conduct operations under the Banking and Financing Movement Act (2004: 297). Ecster is under the supervision of Finansinspektionen and is registered in the Swedish Companies Registration Office.

Prerequisite for applying for a partial payment is that you are over 18 years old and have no payment remarks.

If you previously paid a product through Ecster, you can use the same account and do not need to review a new credit report. If your account's credit limit is too low for your purchase, you're simply requesting a raise.

Example: For a purchase of SEK 10.000, the setup fee is SEK 0 kr and administrative fee SEK 29. The current annual rate is 13.82%, which corresponds to an effective interest rate of 18.74%. The total amount you will pay is SEK 10.981. The number of installments is 12 and each amount is SEK 915. The example is calculated on an assumed 12-month repayment period of a fully-utilized credit.

When you pay, you have the option to get a card - at no cost. The card is linked to your granted account credit. The card is called Ecster and has a MasterCard link. With the card you can pay and withdraw cash all over the world. You get a bonus on all purchases and every month you get great deals and benefits. The card has no annual fee.