Credit card

You can't. An invoice payment with Qred Visa cannot be cancelled after you have sent the invoice for payment.

You can also use Qred Visa to pay your business bills. When you enter a payment in the Qred mobile app, a margin call is made for the invoice amount. The overdraft will be charged once Qred has processed the payment (within 1-2 business days). 

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N.B! The authorization hold will be removed if the payment cannot be processed.

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With Qred Visa, you can pay bills of any amount within your credit limit. For example, if you have €1,000 of credit left, you can pay the invoice(s) for a total of $1,000.

You can't. You cannot use Qred Visa to pay bills to Qred.

Using Qred Visa's credit limit, you cannot pay bills abroad. With Qred Visa, you can only pay to companies with a Finnish IBAN account number.

An invoice paid with Qred Visa will be displayed in the recipient's account in 1-2 business days.

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You can pay bills using Qred Visa's credit limit easily in Qred's app.

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1. Sign in to the app
2. Click on 'invoice'
3. Take a picture of the entire invoice
4. Fill in the recipient's name
5. Click submit and confirm the transaction with your bank credentials

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Prepare! The payment will be processed within 1-2 business days.

No, there is no cost associated with using Qred’s expense management feature.

After making a transaction with your Qred VISA, locate the expense in your recent transactions on the Qred app, tap the transaction and select to create an expense. Then take a picture of the receipt, choose which category best describes the expense and the VAT amount. At the end of every invoice period you will be provided with a report of all transactions that have been expensed.

There is a 2.5% transaction fee per invoice for paying invoices with Qred Visa.

You can use Qred Visa to pay your company's invoices to all Finnish recipients, with a few exceptions such as Qred and debt collection agencies.

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To pay bills, you must have a Qred Visa and your card must be active. You can order the card here to activate it in qred's mobile application.

No. You can use Qred Visa for purchases both offline and online but you cannot withdraw money from an ATM.

Qred Visa payment method benefit refers to the benefit you accrue when you use Qred Visa as a means of payment. Qred customers receive a payment method benefit for all purchases they make with Qred Visa. The benefit applies to purchases made both in stores and online.

The payment method benefit accrues to customers 1% of the total amount of each purchase. The payment method benefit is paid to Qred customers monthly by refunding the accumulated amount from the customer's monthly invoice. The payment method benefit cannot be converted into cash or otherwise made available.

Yes, you can also get more than one card for your business. After ordering the first card, you can order additional cards easily in Qred's App. 

To ensure nobody else can use your card, it's important that you block it in Qred's app. Contact our customer service to order a new card.

Yes, you can use Qred Visa wherever Visa is accepted. Qred does not add a currency surcharge to purchases made abroad. Read more about exchange rates here.

You can find your card PIN in Qred's app:

1. Open the app

2. Go to the card page

3. Click on the card

4. Click 'View PIN'

You can download Qred's app from App Store or Google Play.

Qred VISA is a business card with no fixed fees. You'll have a grace period of up to 45 days for all your purchases. You'll be invoiced monthly and if you pay back the full balance there will be no interest. If you want to split the payment a monthly interest starting at 1,95 % will be added. 

Soon you can also pay your company's invoices with Qred Visa. Paying bills with Qred Visa will be free of charge until the end of 2022.

Qred Visa is a credit card designed for small businesses. You can use the card for your purchases both offline and online, in Finland and abroad. The card has no fees if you bay back your full balance at once. If you want more time to pay you can bay back in installments, in which case a monthly interest rate (starting at 1,95%) is added.

You can manage your card in Qred's App where you will soon be also able to manage your expenses and pay invoices using Qred Visa's credit limit.

Activate your card in Qred's app. You can download the app from App Store or Google Play.

Click "activate my card" in the app and enter the last four digits of your card.

Apply for Qred Visa by filling out the application form here! The card is free of charge and you will receive it in the mail in 7-9 business days.