Payment Terms (Sweden)

1.1 Budna is a marketplace operated by Budna Marketplace AB, established in Sweden. Purchase agreements are made directly between buyer and seller. Neither Budna nor the Payment Partner is a party to the purchase agreement, and neither is involved in or liable for the goods, services, content, or delivery that the seller provides to the buyer.

1.2 Payments are processed by the Payment Partner, a Swedish payment service provider authorised by and under the supervision of Finansinspektionen (the Swedish Financial Supervisory Authority) under the Swedish Payment Services Act (lag (2010:751) om betaltjänster). Buyer funds are captured and held by the Payment Partner as client funds in segregated, safeguarded accounts under the applicable safeguarding rules until the payout conditions in section 2.5 are satisfied. The Payment Partner has sole and independent control over client funds and independently determines whether and when a payment or payout can be executed. Budna provides the Payment Partner with transaction and settlement information (such as order status, delivery confirmation, inspection outcome, and dispute status) in accordance with a settlement logic agreed in advance between Budna and the Payment Partner; Budna does not hold buyer or seller funds on its own account, has no right to dispose of client funds, does not hold a PSP licence, and is not an authorised payment institution.

1.3 "Budna’s payment solution" means the entire flow from the moment a buyer pays through one of the checkout methods until payout to the seller has been completed.

1.4 Budna’s Payment Partner is identified in Budna’s public compliance documentation. By using Budna’s payment solution you also accept the Payment Partner’s applicable terms, which govern the payment processing, fund-holding, and payout. The Payment Partner’s terms apply in parallel with these Payment Terms. The payment service is provided under the Payment Partner’s general terms as specifically adapted for Budna’s marketplace flow in the agreement between Budna and the Payment Partner; mandatory rules of card schemes, acquirers, banks, and other payment networks apply to the relevant payment methods and cannot be contracted away.

1.5 The Payment Partner provides the payment service on its own terms and may, at its own discretion and outside Budna’s control, decline, limit, suspend, or close access to the payment service, for example for risk, compliance, anti-money-laundering, or verification reasons. The Payment Partner may also stop, delay, or refuse an individual payment or payout where it considers this necessary to comply with anti-money-laundering or counter-terrorist-financing rules, sanctions, fraud prevention, an order from a court or authority, or other regulatory obligations. Budna is not responsible or liable for the Payment Partner’s decisions, acts, or omissions, and cannot override or reverse them. Where an issue arises, Budna can act only as a facilitator and will, where reasonable, help you find a solution.

3.1 Payments are processed by the Payment Partner, a Swedish payment service provider authorised by and under the supervision of Finansinspektionen. Budna does not hold a PSP licence and never holds, controls, or disposes of buyer or seller funds.

3.2 Available methods may include Swish, Vipps, MobilePay, Visa/Mastercard cards, and Klarna, depending on the buyer’s country, the transaction, and the rules of the relevant payment method. Each payment method is subject to the rules of the relevant card schemes, acquirers, banks, and payment-method providers, and its availability for a given transaction type or flow is not guaranteed. Budna may add or remove methods.

3.3 Card payments require Strong Customer Authentication (3-D Secure). Transactions that fail authentication may be declined.

3.4 Buyers should be aware that different methods carry different consumer-dispute mechanisms: Swish payments are real-time, account-to-account, and irrevocable; they are not subject to card chargebacks. Vipps, MobilePay, and card payments run on card rails and may be disputed through the buyer’s bank in addition to Budna’s Buyer Protection. Klarna payments are also subject to Klarna’s own buyer terms; for Klarna-funded orders, refunds, dispute handling, and final settlement follow Klarna’s timelines and may take longer than the timelines stated elsewhere in these Payment Terms. Klarna’s "buy now, pay later" credit products are not available to buyers under 18 years of age, consistent with Klarna’s own terms and with Konsumentkreditlagen (2010:1846) and Finansavtaleloven; buyers under 18 must select a non-credit payment method.

3.5 Budna may steer or incentivise certain payment methods for higher-value transactions.

3.6 Receipts and order records made available to the buyer include the order summary, the seller’s identity (name and registration details), the delivery address, the transaction currency, the last four digits of any card used (where applicable), and the Payment Partner’s transaction reference.

4.1 Buyer Protection fee. Where Buyer Protection applies (section 4.2), the buyer pays a Buyer Protection fee of 5 SEK when the item price is 200 SEK or less. When the item price is above 200 SEK, the fee is 5 SEK plus 3% of the item price, capped at 499 SEK. The item price is the price of the item or items in the order, excluding shipping and fees, and the fee is calculated separately for each order, including each order in a combined-shipping request. The fee and the total amount are shown before the buyer places a binding bid, makes an offer, or confirms a purchase. The fee is collected as part of the payment and is settled to Budna through the Payment Partner.

4.2 Buyer Protection is mandatory for every purchase from a private seller, whatever the price. For a purchase from a business seller (Shop), Buyer Protection is optional: the buyer chooses before paying whether to add it, and the fee is charged only if the buyer does. This is because a consumer who buys from a business seller already has mandatory statutory rights against the seller (section 13).

4.3 The Buyer Protection fee is non-refundable once Budna has substantively reviewed a claim and issued a reasoned decision, regardless of outcome, because the service has been provided. By paying the Buyer Protection fee, the buyer expressly requests and consents to the Buyer Protection service being performed during any applicable withdrawal period and acknowledges that the right of withdrawal for this service is lost once the service has been fully performed.

4.4 Price list. The fees in this section 4 follow Budna’s price list, and the amounts stated here are those of the price list when these Payment Terms were published. The price list is information about Budna’s fees and does not itself form part of the agreement. The Buyer Protection fee terms shown when the buyer places a binding bid, makes an offer, or confirms a purchase apply to that transaction, with the fee calculated on the final item price, and a change to the price list does not affect bids, offers, and purchases already made. Seller fees (commission and optional listing upgrades) are set out in the price lists and deducted at payout. Changes to fees are announced at least 30 days in advance.

4.5 Fees, the Refund-Liable Amount (section 6), and other amounts a seller owes Budna may be deducted at payout through the Payment Partner’s settlement process; Budna may also request that a payout be withheld pending the resolution of a dispute or investigation.

5.1 A seller is protected and paid in full, even if the buyer raises a dispute, when all of the following are true:

5.2 Where Seller Protection applies, Budna does not recover the loss from the seller. Budna's residual obligation to compensate or indemnify any user under Seller Protection or Buyer Protection is capped at 10,000 SEK / 10,000 NOK / €1,000 per claim and at 10,000 SEK / 10,000 NOK / €1,000 in respect of any single seller in any rolling twelve (12) month period. These caps are without prejudice to (i) the buyer's mandatory statutory rights against a business seller, (ii) the buyer's rights against the card issuer or scheme under chargeback rules, and (iii) any other liability that cannot be excluded or limited under mandatory law. The caps apply only in the relationship between Budna and its users; they do not limit Budna's obligations toward the Payment Partner for actual payment-related costs (such as chargebacks, refunds, fraud losses, and scheme fees), which are allocated in the separate agreement between Budna and the Payment Partner.

5.3 Where Seller Protection does not apply because the seller failed one or more of the conditions in 5.1, the Refund-Liable Amount (section 6) may be recovered from the seller.

5.4 Seller Protection covers the genuine “buyer is acting in bad faith” case. It does not protect a seller who misdescribed the item, shipped late or to the wrong address, or shipped without tracking.

5.5 Fraud-coded chargebacks. Seller Protection does not extend to chargebacks coded by the cardholder’s issuer as fraud or unauthorised use of a payment instrument. Such chargebacks are recoverable from the seller as part of the Refund-Liable Amount (section 6) irrespective of compliance with 5.1, except where the transaction completed 3-D Secure authentication with a confirmed liability shift to the issuer.

6.1 The Refund-Liable Amount is the amount a seller must repay to Budna where a completed sale is reversed. It comprises: the refunded purchase price, return shipping costs, any card-scheme, acquirer, representment, or chargeback fees incurred by Budna or the Payment Partner, any fines, levies, monitoring-program assessments, or other amounts imposed on Budna or the Payment Partner by a card scheme, acquirer, or the Payment Partner in connection with the transaction, and Budna’s commission on the original transaction.

6.2 Budna may require a seller to repay, or may recover, the Refund-Liable Amount where: Budna’s dispute resolution decides a case in the buyer’s favour; the seller failed to meet the Seller Protection conditions in section 5; a payment is reversed by a bank or card scheme (chargeback) on a transaction the seller is responsible for; the transaction is reasonably suspected to involve money laundering, sanctions breaches, or other unlawful activity; the seller has an undisclosed economic interest in the buyer (self-dealing); or the seller is otherwise in breach of the User Agreement or these Payment Terms. Where funds are frozen, retained, or otherwise withheld by a regulator, the Payment Partner, or pursuant to anti-money-laundering, sanctions, fraud, or risk investigations, those funds remain frozen for the duration of the relevant measure; Budna has no obligation to release or refund frozen funds in advance of, or contrary to, a regulator or Payment Partner instruction, and no such obligation arises out of these Payment Terms.

6.3 Recovery mechanics. Budna may, in order: deduct the Refund-Liable Amount from funds otherwise payable to the seller; where current and upcoming payouts are insufficient, invoice the seller for the deficit; retain the returned item until the seller’s outstanding amount is settled; and transfer unpaid amounts to debt collection.

6.4 On termination of a seller’s account or suspected abuse, Budna may withhold all payouts to the seller until outstanding transactions are verified and all return/withdrawal/dispute periods have passed.

6.5 Budna’s relationship with the Payment Partner is governed by Budna’s separate agreement with the Payment Partner. Nothing in this section gives rise to any direct claim by a buyer or seller against Budna; any residual exposure Budna carries toward the Payment Partner for unrecovered chargebacks, refund amounts, fraud losses, scheme fees, or other deductions is managed through Budna’s own commercial arrangements with the Payment Partner, including the reserves and risk holds in section 8. The recovery mechanics in 6.3 apply between Budna and the seller.

7.1 The seller is the legal obligor of any refund owed to the buyer. Where a buyer is entitled to a refund under a business seller’s statutory consumer-protection obligations, under these Payment Terms, under Buyer Protection, or by agreement with the seller, the refund is routed, on the seller’s behalf, through the Payment Partner to the buyer’s original payment method, less the non-refundable Buyer Protection fee where applicable (section 4.3). Budna does not undertake the refund as principal and is not the obligor of the underlying contractual refund.

7.2 Refunds for cancelled or withdrawn orders are issued within 14 days of receipt of returned goods or of the withdrawal notice, to the original payment method, in accordance with CRD Art. 13, Distansavtalslagen 2 kap. 12 §, and angrerettloven § 25. Buyer Protection refunds are issued within 14 days of the Buyer Protection decision. Once a refund has been initiated, the time until it reaches the buyer depends on the payment method, the card schemes, and the banks involved; Budna and the Payment Partner cannot unconditionally guarantee the date on which a refund is credited.

7.2a Advance refunds and currency. Where the underlying funds have not yet been released by the Payment Partner, Budna may, at its discretion, advance the refund from its own funds to meet a statutory or Buyer Protection deadline; Budna’s recourse under section 6 against the seller for the Refund-Liable Amount is unaffected. Where a refund is paid in a currency other than the capture currency, the refund amount in the buyer’s settlement currency is calculated at the Payment Partner’s rate on the date of refund, and any exchange-rate differential between capture and refund is borne by the buyer, except where the refund is required as part of a statutory consumer remedy in which case the buyer is refunded no less than the original amount in the buyer’s settlement currency.

7.3 The default resolution for a "not as described" or similar valid claim is return-to-refund: the buyer returns the item using a tracked method, and the refund is issued on receipt. Where the seller materially misdescribed the item, the seller funds the return label; otherwise the buyer funds the return label. Budna does not, by default, fund return shipping; any return label issued by Budna’s support team is provided as a billed disbursement, recoverable from the party bearing the return-shipping cost under this section.

7.4 Sellers must carry out refunds only through Budna’s payment solution and not through other payment methods.

7.5 Mandatory refund rules. Refunds processed through the Payment Partner are subject to the Payment Partner’s mandatory rules: (i) a refund may not exceed the amount of the original Transaction; (ii) the refund is routed to the same payment instrument used for the original purchase; (iii) where the original payment was made by card, a cash refund is not permitted; and (iv) no cash, credit, or other consideration may be offered or accepted in exchange for processing a refund. Budna does not, and may not, process a refund that breaches these rules.

8.1 A rolling reserve (a percentage of a seller’s sales held for a defined period) or extended payout timing may be applied for new sellers, high-value transactions, or sellers presenting elevated risk. Measures affecting funds held by the Payment Partner are applied by the Payment Partner; Budna may request them under the risk framework agreed between Budna and the Payment Partner. Any reserve and its release schedule will be made available to the affected seller.

8.2 Where a reserve, extended payout timing, or other risk hold is applied to a specific seller, the affected seller is notified of the rate, the period, and the conditions for release. New sellers, transactions of unusually high value, and sellers presenting elevated payment-risk indicators (such as dispute rate, chargeback rate, refund rate, or signals received from the Payment Partner) are the typical triggers. Whether such a measure is applied is determined case by case; where the measure affects funds held by the Payment Partner, the decision rests with the Payment Partner within its regulatory obligations.

9.1 A chargeback is a reversal initiated by a buyer through their bank or card issuer, governed by card-scheme rules and outside Budna’s control. Budna’s Buyer Protection and these Payment Terms do not, and cannot, remove a cardholder’s scheme rights.

9.2 Where a chargeback is filed, Budna may contest it on the seller’s behalf using available evidence (tracking, proof of delivery, condition photos, acceptance logs, message history). The outcome is decided by the bank or scheme.

9.3 Chargeback losses on transactions the seller is responsible for are recoverable as part of the Refund-Liable Amount (section 6).

10.1 For now, listings on Budna can only be created and published in SEK, and only listings priced in SEK can be bought, bid on, or receive offers. An order created in another currency before this applied can still be paid in that currency. The fees in sections 4.6 and 4.7 arise only for orders in SEK and are charged in SEK. Where currency conversion applies at checkout, the applicable rate and any conversion charge are disclosed before payment in accordance with CRD Art. 6. Where a refund is paid in a currency other than the capture currency, the refund amount in the buyer’s settlement currency is calculated at the Payment Partner’s rate on the date of refund, and any exchange-rate differential between capture and refund is borne by the buyer, except where the refund is required as part of a statutory consumer remedy in which case the buyer is refunded no less than the original amount in the buyer’s settlement currency (consistent with section 7.2a).

11.1 Deemed supplier (Art. 14a). For imported low-value consignments not exceeding EUR 150 and for B2C sales by non-EU traders within the EU, Budna is treated as deemed supplier under VAT Directive 2006/112/EC Art. 14a(1)–(2) and Implementing Regulation 282/2011 Art. 5b–5c, and collects and remits VAT through the Import One-Stop Shop (IOSS) and the One-Stop Shop (OSS). Buyers pay VAT-inclusive prices at checkout.

11.2 Norway VOEC. For shipments to Norway not exceeding NOK 3,000, Budna is registered as a VOEC supplier under the Norwegian VAT on E-Commerce scheme and applies 25 % Norwegian VAT at checkout in accordance with the Norwegian VAT Act § 3-1 and § 3-30 and Tolloven § 4-12. The VOEC number is shown on the customs declaration accompanying the shipment.

11.3 B2C receipts. For every consumer purchase, Budna issues a kvitto/kvittering containing the date, the amount, the VAT amount, the seller’s identity, and the order reference. Receipts are available in Order History as PDF and retained in accordance with Bokföringslagen (1999:1078) 5 kap. 7 § and Bokføringsloven § 10.

11.4 Shop VAT obligations. Sellers operating as Shops (business sellers) must (a) self-warrant correct VAT registration in all relevant jurisdictions, (b) disclose their VAT identifiers (momsregistreringsnummer, MVA-nummer, CVR) to Budna and consent to publication on listings and invoices where law requires, and (c) issue VAT-compliant invoices to buyers within four months of the chargeable event, in accordance with Mervärdesskattelagen (2023:200) ch. 17 and VAT Directive Arts. 220 and 226.

11.5 Duties and fees beyond VOEC/IOSS thresholds. For shipments above the VOEC or IOSS thresholds, import VAT, customs duties, and carrier handling fees imposed at the border are the buyer’s responsibility and are not collected by Budna at checkout. Sellers must disclose at listing whether VOEC or IOSS treatment applies and must not represent shipping as duty-paid where it is not.

12.1 Information right. We provide each reportable seller, by 31 January each year, a copy of the information we report to Skatteverket under Lag (2022:1681) om plattformsoperatörers upplysningsskyldighet implementing Council Directive (EU) 2021/514 (DAC7). The copy is available in Seller Dashboard > Tax. These reporting obligations rest with Budna as platform operator; the Payment Partner does not verify or assume Budna’s tax, marketplace, or reporting obligations through the payment service.

12.2 Payout suspension. If a seller fails after two reminders to provide the data required under DAC7 Annex V Section II(B)(3) and Section IV(F), Budna will close the account for new listings and block further payouts until the data is provided; the block is communicated to the Payment Partner, which handles the held funds in accordance with the rules that apply to it.

12.3 Excluded sellers. Sellers with fewer than 30 relevant activities and total consideration below EUR 2,000 per calendar year are "excluded sellers" under DAC7 Annex V Section I(B)(4)(a) and are not reported.

12.4 Onward exchange. Information reported to Skatteverket is exchanged under DAC7 to the seller’s country of residence tax authority. For Norwegian-resident sellers, exchange occurs under the OECD Multilateral Competent Authority Agreement on Automatic Exchange of Information on Income Derived through Digital Platforms (DPI MCAA) to Skatteetaten, in accordance with skatteforvaltningsloven § 10-13.

13.1 Nothing in these Payment Terms limits a consumer’s mandatory statutory rights under Swedish or Norwegian law (see Buyer rules and Buyer Protection). Where a buyer purchases from a business (B2C) seller, statutory consumer-protection and withdrawal rights apply in addition to Buyer Protection.

13.2 In Sweden, consumers retain their rights under Konsumentköplagen (2022:260) 9 § and 13 § including the presumption rule that defects appearing within two years are presumed to have existed at delivery, and their 14-day right of withdrawal under Distansavtalslagen (2005:59) with the statutory model withdrawal form. In Norway, consumers retain their rights under angrerettloven § 21 and forbrukerkjøpsloven § 27 and § 18.

14.1 Budna may change these Payment Terms with at least 30 days’ notice. Continued use after the effective date constitutes acceptance.

14.2 These Payment Terms are governed by Swedish law. For consumers, this choice of law does not deprive the consumer of the protection of mandatory consumer law of the country of habitual residence, in accordance with Regulation (EC) No 593/2008 (Rome I) Art. 6(2). Jurisdiction over consumer disputes is determined by Regulation (EU) No 1215/2012 (Brussels I-bis) Arts. 17–19 for consumers domiciled in the EU and by the 2007 Lugano Convention Art. 16 for consumers domiciled in Norway.

14.3 Disputes are handled first through Budna Customer Support and escalation; consumers may also use available external dispute-resolution bodies. In Sweden: Allmänna reklamationsnämnden (ARN). In Norway: Forbrukerrådet and, if mediation does not resolve the matter, Forbrukerklageutvalget. Consumers in the EU can also get help with cross-border complaints from the European Consumer Centres Network (ECC-Net).

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