Payment Methods

All transactions are secured with SSL encryption | shopbysmart.com

Paying for your pet essentials at ShopBySmart is safe, easy, and flexible. We offer a range of payment options to suit Finnish shoppers. All transactions are protected with SSL encryption, and your payment information is never stored on our servers.

Accepted Payment Methods

We currently accept the following payment options at checkout:

  •       Visa  credit and debit cards
  •       Mastercard  credit and debit cards
  •       Online bank payments  Finnish bank transfers via trusted payment gateways
  •       PayPal  for customers who prefer to pay via their PayPal account
  •       Other payment options  additional methods may be displayed at checkout depending on availability
Payment Security

Your security is our top priority. Here is how we keep your payment details safe:

  •       All transactions are processed over an encrypted HTTPS connection
  •       We use trusted third-party payment processors that are PCI DSS compliant
  •       ShopBySmart does not store your full credit or debit card details
  •       Suspicious transactions may be flagged and reviewed to protect against fraud
When Is My Card Charged?

Your payment is processed at the time you complete your order at checkout. You will receive an order confirmation email immediately after your payment is successful. If your payment fails or is declined, your order will not be placed and you will be prompted to try a different payment method.

Currency

All prices on ShopBySmart are displayed and charged in Euros (€). Finnish VAT (arvonlisävero) is included in all displayed prices. There are no additional currency conversion fees for Finnish bank accounts. If you are using an international card, your card provider may apply conversion fees  please check with your bank.

Invoicing and Receipts

After every successful order, we send an email receipt with a full breakdown of your purchase including:

  •       Product name and quantity
  •       Unit price and total price including VAT
  •       Shipping details (free shipping on all orders)
  •       Order number and date

If you need a formal VAT invoice for your records, please contact us at support@shopbysmart.com with your order number.

Payment Issues

If you experience any issues with your payment, please:

  •       Check that your card details are entered correctly
  •       Make sure your card has sufficient funds or credit available
  •       Try a different payment method if available
  •       Contact your bank to check if the transaction was declined from their side
  •       Email us at support@shopbysmart.com if the problem continues
Refunds

If you are entitled to a refund under our Return & Refund Policy, the amount will be returned to your original payment method within 14 business days of the refund being approved. For more details, please see our Return & Refund Policy page.

Contact
  •       Email: support@shopbysmart.com
  •       Website: www.shopbysmart.com
  •       Support hours: Monday to Friday, 9:00 AM to 5:00 PM (EET)