Payments

If possible, we always make payments as instant payments, which arrive in the payee’s account in seconds. If this is not possible for technical reasons, we make the payment as an ordinary European or SEPA payment. Settlements between the banks of the SEPA region take place several times a day. A payment made by a Coop Pank client will get to another bank on the same day if it is made before 15:30. The estimated times of receipts are:

 * The time when payments are received in other banks depends on the internal processes of each bank.

A SEPA payment initiated in the weekend will reach the payee on Monday after 8:45.

Coop Pank has instant payment capability, which means that we can receive the instant payments sent to us as instant payments as well. If the other bank did not send a payment to us as an instant payment, the receipt of the amount in the payee as a SEPA payment make take a little longer.
Receipt times:

* The times are different in respect of other banks, the times here are estimates. The exact information is obtained from the bank that initiated the payment.

There may be some exceptional cases where a payment may take longer to arrive. This may happen as a result of the bank’s control systems, technical situations, etc.

E-invoice is an electronic invoice sent to the Internet bank that replaces invoices sent on paper or via e-mail.

In Coop Pank Internet bank, you are able to order e-invoices at once from all companies that have joined the arved.ee environment.

In order to conveniently pay your e-invoices, enter into a standing order agreement and the bank will automatically handle your transfers based on the e-invoices you have received.

Why use?

• Convenient – e-invoice standing order is effected automatically (no need to remember payment deadlines)
• Simple – all you have to do is make sure that you have the amount required for payment in your account
• Environmentally friendly – trees required for the production of paper invoices are left growing

Review the conditions of the e-invoice standing order agreement.

Collecting payments with the e-invoice service

If your company receives payments from the same clients every month, it would make sense for you to use the e-invoice service to collect them. The service will make collecting money both quick and easy for your company and the payers.

In order to send e-invoices to the bank, your company must enter into an e-invoice forwarding agreement with the operator. E-invoice forwarding services are offered by the following operators (e-invoice mediators) Unifiedpost (Fitek AS) (tel +372 651 9519, teenindus@unifiedpost.com) või Finbite OÜ (Omniva) , tel +372 656 5400, sales.et@finbite.eu.

Standing orders are excellent for making regular payments of a fixed amount.

Standing orders can be used to automatically transfer a specific amount or your entire account balance. You are able to define the frequency of payments yourself: once a day, once a week, once a month, or once every quarter.

Why use?

• Convenient – payment is effected automatically (no need to remember payment deadlines)
• Simple – all you have to do is make sure that you have the required amount in your account

Review the conditions of the standing order agreement.

• Import

In the Internet bank payments can be conveniently read from the accounting program in the Internet bank.
File formats that are compatible: XML (ISO 20022).

• Export

Payments made through Internet bank can be saved in a statement extract file that can be imported into an accounting program.
Available file formats are XML (ISO 20022) and Telehansa.

• Terms and Conditions of the Execution of Payment Transactions
• Correspondent banks
• Countries for which settlements are limited
• Price list

Biomeetriaga (isikutuvastus sõlmejälje või näotuvastuse abil) saad kinnitada kuni kümme makset, mis on igaüks summas kuni 100 eurot. Pärast selle piiri täitumist pead ühe tehingu kinnitama Mobiil-ID, Smart-ID või ID-kaardi PIN2ga. Seejärel saad taas teha kümme biomeetrilist kinnitust.

Kümne biomeetrilise makse kinnituse piir kehtib üle kõikide kanalite: interneti- ja mobiilipangas, kolmanda osapoole juures ning pangalingiga makseid tehes.

Makse kinnitamise kordade arv biomeetriaga on sisseloginud kasutaja põhine üle kõikide volituste. Ehk näiteks ettevõtte, iseenda ning lapse profiili alt kokku saad biomeetriaga kinnitada kümme makset järjest.

Kinnitamist ootavate maksete alt mitme makse korraga kinnitamisel biomeetriat kasutada ei saa. Failist laaditud mass- ja koondmaksete ning korraga mitme üksikmakse kinnitamiseks tuleb kasutada PIN2.

Äpis biomeetriaga makse kinnitamiseks pead pärast maksevormil „Kinnitan“ nupule vajutamist näitama vastavalt seadmele nägu või skaneerima sõrmejälje ning selle õnnestumisel ongi makse kinnitatud.

Internetipangas, kolmanda osapoole juures või pangalingi makset biomeetriaga kinnitades tuleb Sulle telefoni makse kinnitamise teavitus, mis avab äpis kontrollkoodiga vormi. Kui teavitust ei saabu, ava äpp kontrollkoodiga vormi nägemiseks. Kui äpi vormil olev kontrollkood ja makse algatamise kanalis kuvatav kontollkood ühtivad ning näo- või sõrmejälje tuvastus õnnestub, ongi makse kinnitatud.

Lepingute sõlmimisel või muutmisel tuleb kasutada endiselt Mobiil-ID, Smart-ID või ID-kaardi PIN2 koodi.