A payment service with invoice and installment plan payment methods that merchants can use in their online and physical stores free of charge.

The extension has been removed

It is no longer possible to activate the extension. To replace Mash's payment methods, you can turn to Klarna or Paytrail, which offer similar services.

With Mash, you can enable the following:

  • Flexible installment plans that are free of charge to you as a merchant
  • Invoicing
  • Returning payments directly in your online store's admin panel

For more information about the Mash service, see our website ›

SSL encryption required

Each store version that uses Mash requires SSL encryption.

The bid for credit is forwarded to Mash together with the customer's social security number that needs to be protected by using SSL encryption.

Read more about SSL encryption in MyCashflow online stores ›

See also Mash's instructions for merchants.

Pricing

Using the service is free of charge to you as a merchant. For more information, see Mash's website.

How does Mash work?

When Mash is enabled in an online store, an installment plan menu is displayed at the online store's checkout. The customer can then select the desired option from the menu.

After confirming the order, the customer is directed to the payment page where they are asked to provide their social security number, so that a credit decision can be made.

The customer is shown the payment method's payment instructions, in which you can explain, for instance, how the social security number is going to be processed.

  • The phone number is required whenever Mash is used.
  • The social security number and phone number are matched together in Mash's system. The same social security number cannot be used with multiple phone numbers.
  • The minimum order total when using Mash is 10 €. If the order total is less than 10€, Mash won't be displayed at checkout.

If the customer's order total exceeds 3000 €, they will be required to take a loan from Mash while placing an order. In such a case, the customer will be redirected to the Mash system's form for filling the details necessary for making a loan agreement. When placing a loan application, the customer is required to log in with their bank credentials.

After confirming the order and, where necessary, providing the additional information, the customer is redirected to the online store's order confirmation page.

Installation and setup

To enable Mash in your online store, contact our customer service.

1) Ordering the credentials

If you don't have the Mash credentials yet, you can order them via the Account > Apps > Mash page in the MyCashflow admin panel.

Currently only the companies registered in Finland can order Mash. The credentials cannot be ordered with foreign business IDs.

Your company details are automatically filled in the Mash extension's section Sign up. Add or edit the details where necessary.

The email address that you provide in the Extranet user email will be used for logging into the Mash extranet.

Find out more about the extranet ›

2) Using your old credentials

If you already have your own Mash credentials, enter them in the Payment service credentials section after enabling the extension.

Enabling the payment method

After you've ordered the service and entered your credentials into the Mash extension's settings, a new Mash payment method will be automatically created in the online store. The payment method's page can be found in the left-hand menu on the Settings > Payment methods page.

The payment method is hidden in all versions by default, so that you can decide yourself when to enable it.

Processing orders

When Mash is enabled, the order's payments have to be activated manually on the order page:

  1. Open the desired order from the list on the Orders page.
  2. Look for the desired payment on the order page's right side.
  3. Open the payment menu and select Activate payment.

    The payment is activated immediately.

After the order has been activated, Mash will be able to remit the payment to the bank account you've indicated.

Refunds

You can refund payments made via Mash directly in the online store's admin panel. You can refund either the whole payment or just a part of it if the order's value changes.

The full or partial refunds are possible only if the payment has been activated.

Here's how to make a full refund to the customer:

  1. Open the order.
  2. Look for the payment and open the menu.
  3. Select Refund payment.

    The payment is refunded to the customer's account.

Here's how to make a partial refund:

  1. Make the necessary changes to the order (e.g. edit the order products or their prices).

    See the instructions for editing order products ›

    A notification pointing out that the customer has been overcharged will appear on the order page.

  2. In the notification, click the Edit open payment link.
  3. In the dialogue that opens, select the payment transaction made via Mash and make sure that the sum to be refunded is correct.
  4. Finally, press Save.

    The sum will be refunded to the customer.

You can also edit and refund payments in the Mash extranet.

Payment tracking, reports and settlements

You can track payments made by your customers in the Mash extranet. To access the extranet, go to https://kauppias.euroloan.fi.

Log in to the extranet with the email address that you've indicated while ordering the service (if you've ordered the credentials via MyCashflow).

In the extranet, on the Reports page, you'll be able to load reports on Mash payments or orders from the desired period.