Fixed Part Payment

The Fixed Part Payment product contains special instalment payment campaigns. The invoice will be sent the month following the purchase with a due date at the end of that month. Following the instalment plan specified on the invoice let's the end customer continue the part payment.

Standard notification method:
- Postal invoice by Collector

Shop terms and conditions (information page)

Collectors delbetalningskampanjer

I samarbete med Collector Bank AB erbjuder vi faktura vid speciella delbetalningskampanjer. När du väljer detta betalsätt så kommer Collector att skicka fakturan till dig med förfallotid i slutet av månaden. De extra avgifter som tillkommer framgår i kassan när du väljer delbetalningskampanj. För att följa din delbetalningskampanj så behöver du betala det belopp som framgår på fakturan som skickas i mitten på varje månad.
En mindre kreditprövning görs som i vissa fall innebär kreditupplysning. Vid försenad eller utebliven betalning debiteras en förseningsavgift samt dröjsmålsränta.

På minasidor.collector.se kan du se alla dina obetalda fakturor från Collector Bank.

För att se fullständiga villkor för Collectors delbetalningskampanjer via faktura se länkarna nedan:

Allmänna villkor för kontokredit
Standardiserad Europeisk konsumentkreditinformation 

Payment information in checkout

[Logo]
När du väljer Collectors delbetalningskampanj så får du hem en faktura den månaden som följer efter ditt köp. Följ din delbetalning genom att betala in det fasta belopp som framgår på din faktura. För att kunna handla med Collectors delbetalningskampanj ska du vara minst 18 år. https://www.collector.se.

Accept of agreement in checkout

[Checkbox] Jag har tagit del av och accepterar Collectors Allmänna Villkor För Kontokredit samt Standardiserad Europeisk Konsumentkreditinformation.


Calculation of monthly cost for interest free part payment

The formula used to calculate the cost is the following:

(Order sum + (Invoice fee * months)) / months

Here's an example: if the total basket is on 3218 SEK, it gives the following:

(3218 + (29 * 12)) / 12 = 298kr/month

Please note that an origination fee is added to the first invoice. The standard set of instalment plans and their origination fees and interest rates can be found in the table below, however, please refer to your merchant agreement with Collector to get the correct origination fee amounts.

Using the example amount above and an origination fee of 195 kr, a first invoices lowest amount to pay would be 298 + 195 = 493 kr.

Calculation of monthly cost for annuity payment

The formula used to calculate the cost is the following:

CapitalDebt * (MonthlyInterestRate / ((1 + MonthlyInterestRate) ^ Months - 1)) + CapitalDebt * MonthlyInterestRate + InvoiceFee

Here's an example: if the total basket is on 3218 SEK, it gives the following:

3218 * (1,60% / ((1 + 1,60%) ^ 18 - 1)) + 3218 * 1,60% +29 = 237 kr/month

Please note that an origination fee is added to the first invoice. The standard set of instalment plans and their origination fees and interest rates can be found in the table below, however, please refer to your merchant agreement with Collector to get the correct origination fee amounts.

Using the example amount above and an origination fee of 295 kr, a first invoices lowest amount to pay would be 237 + 295 = 532 kr.

Please note that the amount to pay per month should be rounded up to the nearest integer, and the lowest amount is always 50 SEK.


Standard instalment plans:

Instalment plan Standard origination fee Standard yearly interest rate
3 months Interest free 95 SEK 0%
6 months Interest free 195 SEK 0%
12 months Interest free 295 SEK 0%
24 months Annuity 295 SEK 9,95%
36 months Annuity 395 SEK 11,95%

Hyperlinks

Allmänna villkor för faktura och kontokredit
https://www.collector.se/upload/Partners/Agreements/<AgreementCode>/Credit_terms_All_SE.pdf

Standardiserad Europeisk konsumentkreditinformation
https://www.collector.se/upload/Partners/Agreements/<AgreementCode>/SECCI_SE.pdf

You’ll receive your specific AgreementCode from your Partner Integration Manager during the setup. 

Shop terms and conditions (information page)

Collector Fast Delbetaling

I samarbeid med Collector Bank AB tilbyr vi fast delbetaling. Når du velger Collectors fasta delbetaling sendes en faktura måneden som følger etter ditt kjøp. Følg din avbetalingsplan ved å betale inn det faste beløpet som fremkommer på din faktura. For å kunne benytte deg av Collectors delbetaling kreves at du må være fylt 18år samt inngår en kredittavtale med Collector Bank før fakturaen forfaller til betaling. Dette gjør du enkelt ved å signere og sende inn kredittavtalen, se Mine Sider (minside.collector.no) for en beskrivelse av hvordan dette gjøres. Alle ekstra omkostninger fremgår i kassen når du velger fast delbetaling. Ved et kredittkjøp tas det på deg som kunde en kredittopplysning. Ved for sen betaling eller uteblivende betaling debiteres et purregebyr og forsinkelsesrente. 

For fullstendige vilkår for Collectors fasta delbetalingar følg linkene nedenfor:

Alminnelige vilkår kontokreditt
Standardiserte europeiske opplysninger om forbrukerkreditt

Payment information in checkout

[Logo]
Når du velger Collectors fasta delbetaling sendes en faktura måneden som følger etter ditt kjøp. Følg din avbetalingsplan ved å betale inn det faste beløpet som fremkommer på din faktura. For å kunne benytte deg av Collectors avbetalingskampanje kreves at du inngår en kredittavtale med Collector Bank og du må være fylt 18 år. Du finner ytterligere informasjon på www.collector.no.

Accept of agreement in checkout

[Checkbox] Jeg godkjenner Collectors Alminnelige vilkår kontokredittStandardiserte europeiske opplysninger om forbrukerkreditt og elektronisk gjenpartsbrev.


Calculation of monthly cost for fixed interest free part payment

The formula used to calculate the cost is the following:

(Order sum + (Invoice fee * Months)) / Months

Here's an example: if the total basket is on 3218 NOK, it gives the following:

(3218 + (29 * 12)) / 12 = 298 NOK/month

Please note that an origination fee is added to the first invoice. The standard set of instalment plans and their origination fees and interest rates can be found in the table below, however, please refer to your merchant agreement with Collector to get the correct origination fee amounts.

Using the example amount above and an origination fee of 195 NOK, a first invoices lowest amount to pay would be 298 + 195 = 493 NOK.

Calculation of monthly cost for fixed annuity payment

The formula used to calculate the cost is the following:

CapitalDebt * (MonthlyInterestRate / ((1 + MonthlyInterestRate) ^ Months - 1)) + CapitalDebt * MonthlyInterestRate + InvoiceFee

Here's an example: if the total basket is on 3218 NOK, it gives the following:

3218 * (1,60% / ((1 + 1,60%) ^ 18 - 1)) + 3218 * 1,60% + 29 = 237 NOK/month

Please note that an origination fee is added to the first invoice. The standard set of instalment plans and their origination fees and interest rates can be found in the table below, however, please refer to your merchant agreement with Collector to get the correct origination fee amounts.

Using the example amount above and an origination fee of 295 NOK, a first invoices lowest amount to pay would be 237 + 295 = 532 NOK.

Please note that the amount to pay per month should be rounded up to the nearest integer, and the lowest amount is always 50 NOK. 

Standard instalment plans:

Instalment plan Standard Origination fee Standard Yearly Interest rate
3 months Interest free 95 NOK 0%
6 months Interest free 195 NOK 0%
12 months Interest free 295 NOK 0%
24 months Annuity 295 NOK 9,95%
36 months Annuity 395 NOK 14,95%

Hyperlinks
"Alminnelige vilkår kontokreditt"
http://www.collector.se/upload/Partners/Agreements/<AgreementCode>/Credit_terms_All_NO.pdf
(The link to the General terms and conditions ("Alminnelige vilkår kontokreditt") leads to one single file located on Collector's server.)

"Standardiserte europeiske opplysninger om forbrukerkreditt:"
The SECCI ("Standardiserte europeiske opplysningen om fordrukerkreditt") have to be presented differently in the checkout and the purchase terms page. Due to regulations rearding Norwegian consumer rights, the end customer must be presented with individual SECCI's in the checkout based on the purchase amount and specific part payment fees. This means separate dynamic links are needed to show the precise credit cost for each Fixed Part Payment option, as the different options have different fees and interest rates. The fees arecan be fixed in the links (set according to the agreement you as a merchant have with Collector), but the basket value in the link needs to be dynamic depending on the end customers basket value when displaying the checkout (where the links are found).
Below you'll find both the static SECCI for the purchase term page ("Purchase term page SECCI") and the Checkout SECCI's ("Checkout page SECCI").


Purchase term page SECCI
Standardiserte europeiske opplysninger om forbrukerkreditt
https://www.collector.se/upload/Partners/Agreements/<AgreementCode>/SECCI_NO.pdf

Checkout page SECCI
https://commonterms.collector.no/seccipartpayment?purchaseamount=<BasketValue>&yearlyinterestrate=<YearlyInterestRate>&notificationfee=<NotificationFee>&repaymenttime=<CreditTime>&fixedpartpayment=true&arrangementfee=<OriginationFee>

Placeholder

  • <BasketValue> - The customer's current basket value (sum of alla articles in the basket). Eg "2999"
  • <YearlyInterestRate> - The interest rate for the selected Fixed Part Payment product. EG for Interest free: "0". Eg for Annuity: "9,95"
  • <NotificationFee> - The notification fee for the selected Fixed Part Payment product. Eg "39"
  • <CreditTime> - Number of months on the selected Fixed Part Payment product. Eg "3"
  • <OriginationFee> - The startup fee on the selected Fixed Part Payment product. Eg "95"

Collector's Standard terms for the Fixed Part Payment products (Note! the fees and interest rates can differ depending on the agreement with Collector):

Fixed Part Payment Type YearlyInterestRate NotificationFee CreditTime OriginationFee
3 months 0 39 3 95
6 months 0 39 6 195
12 months 0 39 12 295
24 months 9,95 39 24 295
36 months 14,95 39 36 395


An example of a complete dynamic SECCI would look like this for the standard 3 months interest free Fixed Part Payment product:
https://commonterms.collector.no/seccipartpayment?purchaseamount=2999&yearlyinterestrate=0&notificationfee=29&repaymenttime=3&fixedpartpayment=true&arrangementfee=95

You’ll receive your specific AgreementCode from your Partner Integration Manager during the setup. 

Shop terms and conditions (information page)

Collectorin osamaksukampanjat
Tarjoamme yhteistyössä Collector Bank AB:n kanssa osamaksukampanjoita.
Kun valitset maksuvaihtoehdoksi osamaksukampanjan, lähettää Collector laskun, jonka eräpäivä on seuraavan kuukauden viimeisenä päivänä. Lisäkulut lisätään suoraan kassaan kun valitset osamaksukampanjan. Jotta voisit maksaa laskun osamaksulla ja solmia tililuottosopimuksen, sinun täytyy maksaa vähimmäissumma laskun eräpäivään mennessä sekä allekirjoittaa luottosopimus Collector Bankin kanssa. Katso osoitteesta (oma.collector.fi) miten allekirjoitus tehdään. Jatkaaksesi osamaksua, sinun tulee maksaa laskussa ilmoitettu kiinteä summa. Laskut lähetetään kuukauden puolessa välissä. Tarkistamme ostohetkellä tilaajan luottokelpoisuuden, mikä joissakin tapauksissa voi tarkoittaa myös luottotietojen tarkistamista. Myöhästyneistä maksuista tai maksamattomista laskuista veloitetaan muistutuskulut sekä viivästyskorko.

Täydelliset osamaksuehdot löydät alla olevista linkeistä:

Yleiset lasku- ja tililuottoehdot
Vakiomuotoiset eurooppalaiset kuluttajaluottotiedot

Payment information in checkout

[Logo]
Kun valitset maksuvaihtoehdoksi osamaksukampanjan, lähettää Collector laskun, jonka eräpäivä on seuraavan kuukauden viimeisenä päivänä. Jotta voisit maksaa laskun osamaksulla ja solmia tililuottosopimuksen, sinun täytyy maksaa vähimmäissumma laskun eräpäivään mennessä sekä allekirjoittaa luottosopimus Collector Bankin kanssa. Katso osoitteesta (oma.collector.fi) miten allekirjoitus tehdään. Jatkaaksesi osamaksua, sinun tulee maksaa laskussa ilmoitettu kiinteä summa. Sinun tulee olla 20-vuotias tilauksen yhteydessä. Lisätietoa osoitteessa www.collector.fi.

Accept of agreement in checkout

[Checkbox] Hyväksyn Collectorin yleiset lasku- ja tililuottoehdot sekä vakiomuotoiset eurooppalaiset kuluttajaluottotiedot.


Calculation of monthly cost for interest free part payment

The formula used to calculate the cost is the following:

(Order sum + (Invoice fee * months)) / months

Here's an example: if the total basket is on 321,8€, it gives the following:

(321,8 + (3,95 * 12)) / 12 = 31€ per month

Please note that an origination fee is added to the first invoice. The standard set of instalment plans and their origination fees and interest rates can be found in the table below, however, please refer to your merchant agreement with Collector to get the correct origination fee amounts.

Using the example amount above and an origination fee of 25€, a first invoices lowest amount to pay would be 31 + 25 = 56€.

Calculation of monthly cost for annuity payment

The formula used to calculate the cost is the following:

CapitalDebt * (MonthlyInterestRate / ((1 + MonthlyInterestRate) ^ Months - 1)) + CapitalDebt * MonthlyInterestRate + InvoiceFee

Here's an example: if the total basket is on 321,8€, it gives the following:

321,8 * (1,6583% / ((1 + 1,6583%) ^ 18 - 1)) + 321,8 * 1,6583% +3,95 = 23€ per month

Please note that an origination fee is added to the first invoice. The standard set of instalment plans and their origination fees and interest rates can be found in the table below, however, please refer to your merchant agreement with Collector to get the correct origination fee amounts.

Using the example amount above and an origination fee of 40€, a first invoices lowest amount to pay would be 23 + 40 = 63€.

Please note that the amount to pay per month should be rounded up to the nearest integer, and the lowest amount is always 5€.

Standard instalment plans:

Instalment plan Standard origination fee Standard yearly interest rate
3 months Interest free 25 € 0 %
6 months Interest free 30 € 0 %
12 months Interest free 40 € 0 %
24 months Annuity 40 € 9,95 %
36 months Annuity 40 € 14,95 %

 Hyperlinks
"Yleiset lasku- ja tililuottoehdot"
https://www.collector.se/upload/Partners/Agreements/<AgreementCode>/Credit_terms_All_FI.pdf

(The link to the General terms and conditions ("Yleiset lasku- la tililuottoehdot") leads to one single file located on Collector's server.)


"Vakiomuotoiset eurooppalaiset kuluttajaluottotiedot"
https://www.collector.se/upload/Partners/Agreements/<AgreementCode>/SECCI_FI.pdf

The SECCI (""Vakiomuotoiset eurooppalaiset kuluttajaluottotiedot") have to be presented differently in the checkout and the purchase terms page. Due to regulations rearding Finnish consumer rights, the end customer must be presented with individual SECCI's in the checkout based on the purchase amount and specific part payment fees. This means separate dynamic links are needed to show the precise credit cost for each Fixed Part Payment option, as the different options have different fees and interest rates. The fees can be fixed in the links (set according to the agreement you as a merchant have with Collector), but the basket value in the link needs to be dynamic depending on the end customers basket value when displaying the checkout (where the links are found).

Below you'll find both the static SECCI for the purchase term page ("Purchase term page SECCI") and the Checkout SECCI's ("Checkout page SECCI").


Purchase term page SECCI (Static)
https://www.collector.se/upload/Partners/Agreements/<AgreementCode>/SECCI_FI.pdf

Checkout page SECCI (Dynamic)
https://commonterms.collector.fi/seccipartpayment/?purchaseamount=<BasketValue>&yearlyinterestrate=<YearlyInterestRate>&notificationfee=<NotificationFee>&repaymenttime=<CreditTime>&fixedpartpayment=true&arrangementfee=<OriginationFee>

Placeholder

  • <BasketValue> - The customer's current basket value (sum of alla articles in the basket). Eg "299"
  • <YearlyInterestRate> - The interest rate for the selected Fixed Part Payment product. EG for Interest free: "0". Eg for Annuity: "9,95"
  • <NotificationFee> - The notification fee for the selected Fixed Part Payment product. Eg "3,95"
  • <CreditTime> - Number of months on the selected Fixed Part Payment product. Eg "3"
  • <OriginationFee> - The startup fee on the selected Fixed Part Payment product. Eg "25"

Collector's Standard terms for the Fixed Part Payment products (Note! the fees and interest rates can differ depending on the agreement with Collector):

Fixed Part Payment Type YearlyInterestRate NotificationFee CreditTime OriginationFee
3 months 0 3,95 3 25
6 months 0 3,95 6 30
12 months 0 3,95 12 40
24 months 9,95 3,95 24 40
36 months 14,95 3,95 36 40


An example of a complete dynamic SECCI would look like this for the standard 3 months interest free Fixed Part Payment product:
https://commonterms.collector.fi/seccipartpayment/purchaseamount=2999&yearlyinterestrate=0&notificationfee=29&repaymenttime=3&fixedpartpayment=true&arrangementfee=95

 

You’ll receive your specific AgreementCode from your Partner Integration Manager during the setup. 

 

Shop terms and conditions (information page)

Collectors afbetalingskampagner

I samarbejde med Collector Bank AB tilbyder vi faktura ved specielle afbetalingskampagner. Når du vælger denne betalingsmåde, sender Collector fakturaen til dig med forfaldstid sidst på måneden. De ekstra udgifter, som påløber, vises ved kassen, når du vælger afbetalingskampagne. For at overholde din afbetalingskampagne skal du betale det beløb, som fremgår af fakturaen, som sendes til dig midt i hver måned.
Der foretages en mindre kreditvurdering, som i visse tilfælde kræver kreditoplysninger. Ved forsinket eller udeblevet betaling debiteres et moragebyr og en morarente.

De komplette vilkår for Collectors afbetalingskampagner på faktura kan du læse ved at klikke på nedenstående links:

Generelle vilkår for kontokredit
Standardiseret europæisk forbrugerkreditinformation

Payment information in checkout

[Logo]
Når du vælger Collectors afbetalingskampagne, så modtager du en faktura, i måneden efter du har foretaget dit køb. Overhold din afbetaling ved at betale det faste beløb, som fremgår af din faktura. For at kunne handle med Collectors afbetalingskampagne skal du være mindst 18 år. Du finder flere oplysninger på www.collector.se.

Accept of agreement in checkout

[Checkbox] Jeg har læst og accepterer Collectors Generelle vilkår for kontokredit samt Standardiseret europæisk forbrugerkreditinformation.


Calculation of monthly cost for interest free part payment

The formula used to calculate the cost is the following:

(Order sum + (Invoice fee * months)) / months

Here's an example: if the total basket is on 3218 DKK, it gives the following:

(3218 + (29 * 12)) / 12 = 298 DKK/month

Please note that an origination fee is added to the first invoice. The standard set of instalment plans and their origination fees and interest rates can be found in the table below, however, please refer to your merchant agreement with Collector to get the correct origination fee amounts.

Using the example amount above and an origination fee of 345 DKK, a first invoices lowest amount to pay would be 298 + 345 = 643 DKK.

Calculation of monthly cost for annuity payment

The formula used to calculate the cost is the following:

CapitalDebt * (MonthlyInterestRate / ((1 + MonthlyInterestRate) ^ Months - 1)) + CapitalDebt * MonthlyInterestRate + InvoiceFee

Here's an example: if the total basket is on 3218 DKK, it gives the following:

3218 * (1,60% / ((1 + 1,60%) ^ 18 - 1)) + 3218 * 1,60% +29 = 237 DKK/month

Please note that an origination fee is added to the first invoice. The standard set of instalment plans and their origination fees and interest rates can be found in the table below, however, please refer to your merchant agreement with Collector to get the correct origination fee amounts.

Using the example amount above and an origination fee of 495 DKK, a first invoices lowest amount to pay would be 237 + 495 = 732 NOK.

Please note that the amount to pay per month should be rounded up to the nearest integer, and the lowest amount is always 50 DKK.

Standard instalment plans:

Instalment plan Standard Origination fee Standard Yearly Interest rate
3 months Interest free 345 DKK 0%
6 months Interest free 395 DKK 0%
12 months Interest free 495 DKK 0%
24 months Annuity 495 DKK 9,95%
36 months Annuity 495 DKK 14,95%

Hyperlinks

Generelle vilkår for kontokredit
https://www.collector.se/upload/Partners/Agreements/<AgreementCode>/Credit_terms_All_DK.pdf

Standardiseret europæisk forbrugerkreditinformation
https://www.collector.se/upload/Partners/Agreements/<AgreementCode>/SECCI_DK.pdf

You’ll receive your specific AgreementCode from your Partner Integration Manager during the setup. 

Shop terms and conditions (information page)

Collector's instalment payment campaigns

In collaboration with Collector Bank AB, we offer invoices for special instalment payment campaigns. When you select this payment option, Collector will send the invoice to you the month following the purchase with a due date at the end of the month. The additional fees that are incurred are stated at the checkout when you select payment by instalments. To follow the instalment plan you need to pay the amount on the invoice that is sent each month.
A small credit test is carried out, which in some cases requires credit information. In the event of delayed or missed payments, an overdue fee and penalty interest is charged.
To see the full terms and conditions for Collector's instalment payment plans via invoice see the links below:

General conditions for credit accounts
Standardised European consumer credit information

Payment information in checkout

[Logo]
When you select this payment option, Collector will send an invoice to you the month following the purchase. To follow this instalment plan you need to pay the amount on the invoice that is sent each month. You must be at least 18 years of age when using this payment method. Visit www.collector.se for more information.

Accept of agreement in checkout

[Checkbox] I have read and accept Collector Bank's General Conditions for Credit Accounts and Standardised European Consumer Credit Information.


Calculcation of monthly cost for interest free part payment

The formula used to calculate the cost is the following:

(Order sum + (Invoice fee * months)) / months

Here's an example: if the total basket is on 3218 SEK, it gives the following:

(3218 + (29 * 12)) / 12 = 298kr/mån

Please note that an origination fee is added to the first invoice. The standard set of instalment plans and their origination fees and interest rates can be found in the table below, however, please refer to your merchant agreement with Collector to get the correct origination fee amounts.

Using the example amount above and an origination fee of 195 kr, a first invoices lowest amount to pay would be 298 + 195 = 493 kr.

Calculation of monthly cost for annuity payment

The formula used to calculate the cost is the following:

CapitalDebt * (MonthlyInterestRate / ((1 + MonthlyInterestRate) ^ Months - 1)) + CapitalDebt * MonthlyInterestRate + InvoiceFee

Here's an example: if the total basket is on 3218 SEK, it gives the following:

3218 * (1,60% / ((1 + 1,60%) ^ 18 - 1)) + 3218 * 1,60% +29 = 237 kr/mån

Please note that an origination fee is added to the first invoice. The standard set of instalment plans and their origination fees and interest rates can be found in the table below, however, please refer to your merchant agreement with Collector to get the correct origination fee amounts.

Using the example amount above and an origination fee of 295 kr, a first invoices lowest amount to pay would be 237 + 295 = 532 kr.

Please note that the amount to pay per month should be rounded up to the nearest integer, and the lowest amount is always 50 SEK.


Standard instalment plans:

Instalment plan Standard origination fee Standard yearly interest rate
3 months Interest free 95 SEK 0%
6 months Interest free 195 SEK 0%
12 months Interest free 295 SEK 0%
24 months Annuity 295 SEK 9,95%
36 months Annuity 395 SEK 11,95%

Hyperlinks

General conditions for credit accounts
https://www.collector.se/upload/Partners/Agreements/<AgreementCode>/Credit_terms_All_[CountryCode].pdf

Standardised European consumer credit information
https://www.collector.se/upload/Partners/Agreements/<AgreementCode>/SECCI_[CountryCode].pdf

You’ll receive your specific AgreementCode from your Partner Integration Manager during the setup.