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Payment options

1.	Card payment

Card payment is safe and easy. Pay with Visa, MasterCard, Amex & Diners Club.

Safety	SSL encryption, 256 bit
Payment	The order amount is blocked at the moment of ordering. Debiting is charged on delivery.
Payment processor	RBS WorldPay website
Other	For your safety and ours, all card payments are controlled manually

2.	Bank transfer payment

Payment by online banks or directly at your local bank branch.

Payment terms and conditions	Payment in advance
Payment	1. Pay at the online bank 2. Pay directly at your bank branch

More information

To meet the variety of needs of the customers, we offer many different payment methods. You can choose to pay by card or bank transfer at the time of ordering or after the items have been delivered, by bill or even as partial payment. Together with our partners, Handelsbanken, Kreditor Europe AB and RBS WorldPay, we guarantee that your data will be safe and secure.

Partial payment with Handelsbanken

Lamastone offers, together with Handelsbanken Finans, the possibility to divide your payment without interest. Partial payment is an alternative for orders of 2,000 SEK and more. For partial payments of over 80,000 SEK, please contact us.

Campaign name	36 månader	24 månader	12 månader	Pay next month
Interest:	7.95%	7.95%	0%	0%
Payments:	35 installments	23 installments	11 installments	1 installment
Agreement fee:	295 SEK	295 SEK	295 SEK	0 SEK
Administrative fee:	25 SEK	25 SEK	25 SEK	25 SEK

Partial payment up to 12 months with 0% interest!

You can choose to divide your payment without interest up to 12 months. The first month is always payment free. The only fee is the campaign fee of 295 SEK and 25 SEK for each notification. You can choose to pay the entire amount remaining at any time and finalize the purchase.

Calculation example:
An item worth 18,275 SEK + agreement fee 295 SEK + administrative fee 11 x 25 SEK = 18,845 SEK
18,845 kr / 11 payments = 1,714 SEK/month.

Partial payment up to 36 months with only 7.95% interest!

You can choose to divide your payment up to 36 months. The first month is payment free. You can finalize the purchase any time by paying the entire amount remaining.

Calculation example:
An item worth 39,975 SEK + agreement fee 295 SEK + administration fee 35 x 25 SEK = 41,145 SEK
41,145 SEK / 35 payments = 1,176 SEK/month + amount due interest.

Here is how to shop with partial payment at Lamastone
When you choose one of the payment solutions above, you are redirected at purchase from our website to Handelsbanken Finans (NetPay) where you fill in an application and receive a reply within 3 seconds whether you meet the requirements or not. When you are accepted and the purchase is finalized, Handelsbanken Finans sends you a copy of the agreement. You should sign it and send it back to Handelsbanken.

When the signed agreement is received by Handelsbanken, we begin processing your order. Note that the delivery time can be 1-2 days longer due to mailing time.

The main requirements you the customer must meet in order to use Lamastone’s account financing:

You should be over 18 years old
You should be permanently employed
You should have an annual income over 120,000 SEK
You should not have any payment restrictions

Contact Handelsbanken Finans

For personal service, you can call Handelsbanken’s customer service.

Phone 08-701 46 67
Working days, 8:00 am - 8:00 pm
Saturdays, 10:00 am - 5:00 pm
Sundays, 11:00 am - 5:00 pm

You can contact Handelsbanken by post at the following address:
Handelsbanken Finans Sales Finances
106 35 Stockholm

Billing

In cooperation with Kreditor Europe AB, we can offer a 14 day bill payment for orders up to 25,000 SEK. For this service we charge a 33 SEK billing fee.

Payment within 14 days. For overdue payment, we charge 50 SEK notification fee according to the law as well as 24% penalty interest + current interest. The usual consumer credit risk assessment is made without contacting the customer and the delivery is sent only to the permanent address.

Your invoice will be sent by email when we ship your order. If you are not receiving the invoice, look in your spam folder or contact Klarna at +46 (0)8 - 120 120 10.

Payment card Visa/MasterCard/Amex/Diners

RBS WorldPay stands for security at purchase by payment card. We use RBS WorldPay's patent security with 3D Secure when necessary. The redeeming bank is Handelsbanken. Purchase by payment card is made, after manual control, by confirmation that the order has been accepted, which is sent to your e-mail. Your card is charged when the order has been sent.

Bank transfer

Order by bank transfer is made, after manual control, by confirmation that the order has been accepted and awaits the bank transfer to be completed, which is sent to your e-mail. Information about payment is in the order confirmation sent to your registered e-mail address. When the payment is registered, we send a new confirmation that your order is now being processed.

Jewelry