Ordering and payments

At this moment we offer two different paying methods: PayPal and Checkout. To make the process faster, we recommend using PayPal if possible.

Because we’re a small company and we have limited resources, there might be delays in processing your order. Please be in touch with us (hello@bemycozy.com) if it’s extra important to receive your package very soon.

Please be careful and check your personal details before finishing your order. We need both the recipient’s phone number and email address to deliver the order safely and quickly. If the carrier won’t be able to deliver your order because of a wrong address or phone number, we will charge the shipping costs again for sending the package for the second time.

Terms and conditions of The Payment Transfer Service Checkout

Checkout is a payment method that is safe for you. We have a licence for payment institutions, granted by the Finnish Financial Supervisory Authority. The service is maintained by Checkout Finland Oy (business ID 2196606-6), which is part of OP Financial Group.

The payment transfer service Checkout will transfer your payment to the merchant. If you see Checkout Finland Oy on your bank statement or credit card bill, we have transferred your payment.

Webshops market the products and services and deliver the products to customers. The webshop ensures statutory obligations related to purchases and other obligations that it has determined. If you want to file a complaint or return a product, you should directly contact the webshop where you ordered the product.

Bank Payments

The payment buttons of all Finnish banks are at your disposal. You can pay with the payment buttons of Aktia, Danske Bank, Handelsbanken, Nordea, Oma Säästöpankki, OP cooperative bank, POP Pankki, Savings Bank, S-pankki and Ålandsbanken. The payee shown on your bank statement is Checkout Finland Oy, we transfer your payment to the online retailer. From the webshop you will be directed to your bank, where you can safely make the payment.

When using the Payment Initiation Service, you agree to the following terms: Terms and conditions of the Payment Initiation Service.

Credit card payments

You can pay in a webshop with the following cards: Visa, Visa Debit, Visa Electron, Mastercard, Debit Mastercard and American Express. The Verified by Visa, Mastercard SecureCode and American Express SafeKey authentication services are available for use in webshops. Checkout is the payee on your credit card bill and it will transfer the customer’s card payment directly to the merchant. You pay safely with your card with an encrypted payment form, and no payment card data is stored in the systems of the webshop.

Mobile payment methods

The mobile payment methods Pivo, MobilePay and Siirto are services that work on apps. You can use them to pay for online purchases as a credit transfer from your account or as a card payment from your card by accepting the payment on the app in question. On Pivo it is also possible to make Siirto payments, in which case you can accept the payment on any app that supports Siirto. Apple Pay is a service for Apple devices that allows purchases to be paid for with a payment card linked to the device.

Terms of use are found on the Pivo website.

Terms of use are found on the MobilePay website.

Siirto payments
Terms and conditions for Siirto payments:
OP’s general terms and conditions for euro payments Nordea’s terms of use for the Siirto service

Apple Pay
Terms of use are found on the Apple website.

Payments by bill and instalment

Payments by bill and instalment via Checkout are offered by OP, Collector, Jousto and AfterPay. Collector also offers payments by bill and instalment to corporate customers.

Please read the more detailed terms and conditions specific to the finance company that you will see as you accept the payment. When you accept the payment, you also accept the finance company’s terms and conditions.

Collector’s terms and conditions for corporate invoices Collector product description
Read more: Collector.fi

Jousto product description Read more: Jousto.com

OP Lasku
OP Lasku terms and conditions for consumers OP Lasku product description for merchants Read more: Op.fi

Read more: AfterPay.fi


The shipping prices vary depending on the country and continent. The prices are based on the prices of our shipping partner DHL.

Orders in Finland (and in some northern EU countries) will be sent through post office. Orders in Europe and outside of EU will be sent through DHL.

Because we’re a small company and we have limited resources, there might be delays in processing your order. If you need your order extra fast (for example if you’re ordering a present for someone) please let us know (hello@bemycozy.com) so we can do our best to deliver your package faster.

If your order includes one or more preorder-products, please notice that we will send your full order when the products arrive to our warehouse. If you want to receive other products earlier, we recommend placing two different orders for stock and preorder products.

Returning your order

If the products you receive are damaged during delivery, please contact us at hello@bemycozy.com and include a picture of the damaged product in the email.

If you want to return the products you’ve ordered for some other reason, you need to send us an email (hello@bemycozy.com) about it within 28 days after receiving the package. We won’t be responsible for the shipping costs for a returned package. Please make sure to pack the products carefully so they won’t get harmed during delivery. We only accept packages returned by DHL or your local post office (only in EU). Save the receipt so you’re able to prove the package has been sent back to us unharmed and on time.

If you’ve paid your order in bank transfer, please also include your bank details in the email.

Returning policy won’t apply to downloadable products.

In the situation of the returning the order, all the payment returns will take place via the payment gateway used in the original order process.

Order not picked from a pickup point

If the carrier can’t reach you or the package won’t be picked from the pickup point on time, the package will be sent back to us or it will be destroyed – depending on the shipping policy of the carrier and the country. We will charge the new delivery again. Returning policy won’t cover an order that the recipient haven’t picked from the pickup point. In those cases the shipping costs won’t be refunded.

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