When making a purchase from your online store or website, the customer chooses Smartum as a payment method and logs in with their Smartum username and password or with online banking credentials. The payment is then approved, and the customer gets a receipt, as they would in your normal purchase process. The customer never leaves your purchase funnel. Payments are confirmed and settled by Smartum.

The same refund and cancellation terms apply to products purchased through Smartum online payment as would normally at your online store. All refunds and cancellations are solved between the payer and the payee.

​