Vektori Other Payment methods

1. ePassi - receiving payments

Payment by mobile application: The customer pays the purchase in the ePassi application and shows the receipt on the phone screen at the checkout. The payment method is used for lunch, exercise/sports, cultural and wellness benefits.

Payment by phone number: The clerk(cashier) asks for the client's phone number and charges the payment based on that in the ePass online service. The payment method is used for commuting, exercise/sports, cultural and wellness benefits.

2. Receiving SmartumPay mobile payments

With the SmartumPay mobile application, your customer pays for lunch easily and safely. From the application, you select the place of business where you want to pay. The customer enters the amount of the service/purchase and confirms the payment.

2.1. When the client has made the payment and shown the receipt generated from the payment

• Check the receipt that the amount paid and the name and address of the venue are correct.

• In the top corner of the receipt, you can see the date and time when the payment was made.

• The animation shown on the receipt moves 30 minutes after the payment is created. However, the receipt is also valid after this.

2.2. By tapping on the receipt, you get to the review view, where you can mark the payment as reviewed

The status of the receipt and review view changes to "checked/reviewed". This way you ensure that the service is only redeemed once with the receipt.

2.3. Enter the payment in the Vektori app with the amount shown on the receipt

Any excess will be charged as usual using another payment method. See more in the chapters eight(8) through ten(10).

If the charged amount is incorrect, you can cancel it by logging into Smartum's online service at smartum.fi with your credentials. Smartum transfers mobile payments to your account automatically every day.

More information on the subject: https://help.smartum.fi/en/articles/4217805-partner-how-do-i-receive-payments-made-with-smartumpay.

3. Receiving Smartum card payments

Acceptance of Smartum card payments has ended on December 31, 2020, and payment has moved to the SmartumPay application.

4. Receiving Smartum's lunch vouchers

Smartum Lunch Vouchers are in circulation in different euro amounts. The value is marked on the voucher. One new value is added annually when the Tax Administration's decision on benefits in kind changes. According to the instructions of the Tax Administration, the customer cannot use several vouchers at once. Payments made in Smartum's Lunch Voucher cannot be exchanged for money, and change cannot be given back for payments. With the Smartum Voucher, the customers are able to pay the amount defined by Tax Administration. The customer can settle any excess amount in cash or another payment method.

In brief: Enter the payment in the Vektori app with the amount shown on the receipt. Any excess will be charged as usual using another payment method.

More information on the subject: https://help.smartum.fi/en/articles/4210354-lunch-partner-accepting-payments.

5. Receiving Edenred Pay mobile payments

The customer shows the amount to be paid on her smartphone and verifies the payment at the venue by marking the receipt as used. You can check mobile payments from the Edenred Partner portal either in real time or at the end of the day. If necessary, the payment can also be canceled directly from the portal.

Check these points:

• The amount paid and your company details are correct.

• The timer is active.

• Ask the customer to mark the receipt as used.

More information on the subject: https://edenred.fi/en/merchants/support/.

6. Receiving Edenred voucher payments

On the reverse side of the lunch- and recreational vouchers there is a space for the voucher holder's signature, as some employers may monitor the use of the employees' vouchers. The user's name or signature are not mandatory, but you have the right to verify the user's identity if you suspect misuse of the voucher. Please note that change is not given back for the voucher.

More Information on the subject: https://edenred.fi/wp-content/uploads/Lunch_benefit_cashier_guide.pdf.

7. Receiving Edenred card payments

The Edenred card works like any other bank card (only the card does not have a PIN code). It can also be used for contactless payments, or the card can be added to Apple Pay or Google Pay, allowing the customer to make contactless payments with their phone. As a service provider, you have the right to check that meals or services covered by the tax benefit are paid with the card.

NOTE! The Edenred card is a bank card for Vektori app. In the Vektori Kassa application, one sale transaction can be completed with two different payment methods (for example, cash and card, or Edenred mobile payment and card) but one sale transaction cannot be divided into two identical payment methods. (for example two cards: Edenred card and Nordea card).

If the Edenred card payment does not cover the entire amount of the purchase (e.g. lunch allowance), the only possibility to receive another card payment is to make two separate sales transactions.

Example: The price of lunch is €12.

• Two products have been created. For example: A lunch with a price of €12 and a Lunch that is a zero product - the latter of which can be used in this case.

• The customer first pays the portion of the lunch allowance of €6.90 with the Edenred card, a sale is made at the price of €6.90, and the decision is made to pay by card using the payment terminal.

• The customer pays the rest of €5.10 with their own bank card, another sale is made at the price of €5.10 and the decision is made to do a card payment.

9. Defining the payment method to Vektori cloud service