5.1 Account with credit
Every customer at FairSSL is assigned an account with credit, so orders can be placed continuously without prepayment. There is no lock-in, no minimum payments and no requirement for a certain number of purchases. The account is the central business relationship between the customer and FairSSL.
All orders, invoices and payments are recorded together on the account. Payments are not product-specific but rather ongoing settlement of the account balance.
Product specifications on invoices are for the customer's own use (e.g. re-invoicing to end customers) and do not constitute separate contractual relationships.
FairSSL may change or revoke the credit, typically as a result of a changed risk assessment or payment history. A single order may also require prepayment if it represents an elevated risk.
5.2 Invoicing methods
The customer may choose from the following invoicing methods:
- Invoice per order (default): One invoice per ordered product, sent automatically at the time of order.
- Consolidated invoice: Outstanding balance below an agreed minimum threshold is invoiced at an agreed interval (e.g. monthly).
- Balance invoice: Invoice for a fixed amount when the account balance falls below an agreed minimum threshold.
- Manual prepayment invoice: The customer requests a prepayment deposit to the account.
The customer may also choose to pay per order by card, or use a saved card to pay an invoice.
All billing correspondence is sent electronically. FairSSL does not send letters by post. The customer chooses between two delivery channels for invoices and credit notes: PDF by email or electronic invoice via EAN/GLN/PEPPOL. Payment reminders and order confirmations are always sent as PDF by email. Payment reminders always include copies of the relevant invoices and credit notes.
5.3 Balance and prepayment
Prepayments are credited to the account balance and used to cover future orders.
The balance does not expire as long as the customer has at least one active (non-expired) product, or has placed at least one order within the past 18 months. Warnings about balance expiry are sent at least 30 days before expiry to the customer's registered email addresses.
Incoming payments are applied to outstanding invoices, oldest invoice first.
5.4 Payment methods
- Visa, Mastercard and American Express: DKK, SEK, EUR, NOK, GBP and USD. Card payments can be made directly in the FairSSL control panel via Scanpay.
- Dankort: DKK only. Via Scanpay.
- Invoice (PDF): Electronic invoice sent to the specified invoice email address. Payment terms: 14 days net.
- EAN/GLN/PEPPOL: Electronic invoicing via NemHandel/PEPPOL for public and private organisations. Payment terms: 30 days net.
- Bank transfer (DKK): To FairSSL's Danish bank account at Nordea. FIK payment slips are included on DKK invoices.
- Bankgiro (SEK): To FairSSL's Swedish bank account at Handelsbanken. Bankgiro number is included on SEK invoices.
- SEPA transfer (EUR): To FairSSL's European bank account. IBAN and BIC/SWIFT are shown on EUR invoices.
Danish bank transfers and FIK payments
Danish customers can pay by bank transfer to FairSSL's Danish bank account in DKK at Nordea. Account details are shown on the invoice.
DKK invoices also include a FIK payment slip (creditor details), so the payment is automatically matched to the correct invoice.
Swedish bank transfers and Bankgiro payments
FairSSL has a Swedish bank account in SEK at Handelsbanken with an associated Bankgiro number. Swedish customers pay directly to this account, just as easily as to any other Swedish supplier.
The Bankgiro number and account details are automatically included on all SEK invoices.
International bank transfers
Customers outside Denmark and Sweden can pay by SEPA transfer in EUR to FairSSL's European bank account. IBAN and BIC/SWIFT are shown on EUR invoices.
All bank transfers must be made with shared charges (SHA). Any additional charges resulting from other charge methods are borne by the customer. The amount must be available in FairSSL's account no later than 12:00 noon (Danish time) on the due date.
5.5 Credit terms and default
The account must be kept current. All due invoices must be paid on time. If the credit terms are not met, all outstanding amounts past the payment deadline must be paid immediately.
Escalation in case of non-payment
In practice, FairSSL only exercises the rights below in rare cases, and always only after repeated attempts to contact the customer by email and phone to reach a payment arrangement. As long as there is dialogue, we will find a solution.
If the customer has several unpaid invoices, does not respond to communications, represents an elevated risk or otherwise abuses the credit facility, FairSSL reserves the right to:
- Revoke the credit, so that new orders require prepayment.
- Deactivate active products on the account, regardless of whether the specific product has been paid for. This may occur, for example, if the customer only pays for new orders but ignores older outstanding amounts, or if the customer does not respond to communications at all.
Changed circumstances for the customer
If the customer's business undergoes a material change, such as bankruptcy, suspension of payments, dissolution, merger or other significant corporate change, the customer may no longer meet the original credit assessment. The same rules as above apply.
Retention of title
FairSSL retains ownership of all products on the account until the account's total outstanding balance, including any fees and interest, has been paid in full.
Deactivation and reactivation
No compensation is provided for lost product time, loss of revenue, or other losses resulting from deactivation, regardless of whether the deactivation is due to financial circumstances, misuse or a deactivation request from the CA or the customer. Reactivation is possible upon full payment, but lost time is not extended.
FairSSL never deactivates products without first sending reminders and attempting direct contact with the customer.
End customer responsibility
Customers who order products on behalf of their own customers (end customers) confirm at the time of ordering that they have authorisation to accept the CA's terms on the end customer's behalf, and that the end customer has been informed that products may be deactivated in case of non-payment.
FairSSL cannot verify whether end customers have paid the customer for the products and bears no responsibility for end customers' losses resulting from deactivation.
Takeover
A bankruptcy estate has priority to take over the customer's products, provided that all outstanding amounts are settled. If the estate cannot or will not take over, other businesses with an interest in the products may settle the outstanding amounts and continue the products, potentially on a new account with a new contractual relationship.
Prepaying customers
Customers who prepay are not affected by this provision, as no outstanding amounts arise.
5.6 Late payment
In case of late payment, reminder fees and interest are charged in accordance with applicable legislation. Up to 3 reminders are sent with at least 10 days between each.
| Country | Customer type | Reminder fee | Compensation | Interest |
| Denmark | Private | 3 x 100 DKK | None | Statutory rate (lending rate + 8%) |
| Denmark | Business | 3 x 100 DKK | 310 DKK per invoice | 2% per commenced month |
| Sweden | Consumer | 60 SEK | None | Reference rate + 8% |
| Sweden | Business | 60 SEK | 450 SEK per invoice | Reference rate + 8% |
| Other EU | Business | EU Late Payment Directive (2011/7/EU) |
The compensation amount (DK 310 kr. / SE 450 kr.) may legally be charged from the first day the payment deadline is exceeded. FairSSL typically only adds the compensation amount when we carry out a thorough review of the customer's orders, invoices, card and bank payments. Once this review has been completed, the compensation amount is charged regardless of whether the underlying invoice is subsequently paid.
If payment is not received despite reminders, the claim is referred to debt collection with the addition of collection costs.
5.7 Refund of account balance
To prevent misuse of the account as a storage facility for funds or for money laundering, the following restrictions apply to refunds of account balance. This provision applies to deposits made after 31 March 2026.
Refunds are always made to the original payment method (the same payment card or bank account) from which the deposit originally came. It is not possible to have funds paid out to a third party or a different account.
Only deposits made within the past 12 months can be refunded upon account closure, and the maximum total refundable amount is the equivalent of EUR 10,000.
Any remaining balance exceeding these limits cannot be refunded. Since refunding the balance requires closure of the account, FairSSL recommends that the customer only deposits amounts expected to be consumed within one or at most two years.