General Terms and Conditions of Neste Payment Card Agreement
1. Definitions used in the Agreement
1.1 ‘Neste’ means Neste Eesti AS, registry code 10167511, address Sõpruse pst 155, 13417 Tallinn.
1.2 ‘Payment Card’ means a payment instrument issued by Neste. The Payment Card is valid for payment for goods or services at all Neste gas stations.
1.3 ‘Agreement’ means this Agreement between Neste and the Client for the use of the Payment Card. The Agreement is governed by the law of the Republic of Estonia.
1.4 ‘Client’ means a natural or legal person with whom Neste has concluded the Agreement.
1.5 ‘Holder of Payment Card’ means the Client or a natural person to whom the Payment Card has been transferred by the Client or to whom the Payment Card is issued at the Client’s request. The Client is obliged to inform the Holder of Payment Card of the terms and conditions of the Agreement and to ensure that the obligations of the Holder of Payment Card are fulfilled.
1.6 ‘Transaction’ means payment of goods and services by Payment Card. The permitted Transactions and the restrictions on their execution shall be agreed in the application forming a specific part of the Agreement. Neste reserves the right to determine the minimum and maximum amount of the Transactions. Neste has the right to assume that all Transactions have been made by the Holder of Payment Card.
1.7 ‘Credit Limit’ means the maximum limit in euros up to which Neste may grant the Client credit for Payment Card Transactions between the first day of the calendar month and the 15th day of the following calendar month. Neste reserves the right to determine the amount of the Credit Limit after verifying the Client’s solvency and to refuse to grant or increase the credit without giving any reason.
1.8 ‘Advance Payment’ means an amount of money deposited in the name of the Client in Neste’s current account, up to the amount of which the Holder of Payment Card can carry out Transactions with the Payment Card based on the Advance Payment. Use of the Payment Card shall be automatically blocked after the Advance Payment has expired. The use of the Payment Card as a means of payment shall be resumed within 2 (two) banking days of the new Advance Payment.
1.9 ‘PIN’ means a personalised security feature that is issued to the Holder of Payment Card when the Payment Card is issued. PIN allows to use the Payment Card and replaces the signature of the Holder of Payment Card.
1.10 ‘Authorisation of Transaction’ means the consent of the Holder of Payment Card to the Transaction. The method of authorization is considered to be entering the PIN code at a Neste gas station payment terminal.
2. Payment Card and PIN
2.1 The Payment Card is valid until the due date indicated on it. Upon expiry of the validity period of the Payment Card, Neste shall issue a new Payment Card to the Holder of Payment Card, provided that the Payment Card has been used at least once in the last 9 (nine) months before the expiry date.
2.2 The Client is obliged to keep the Payment Card in a safe place, separate from the PIN, and to avoid damaging the Payment Card or allowing it to be used by third parties. Upon termination of the Agreement or receipt of a new Payment Card, the Client undertakes to destroy the former Payment Card.
2.3 It is the Client’s responsibility to keep the PIN secret, not to record it in an easily recognisable form, and to prevent it from being used by third parties.
2.4 In the event of the theft or loss of the Payment Card or the PIN or in the event of the Payment Card being in the possession of a third party, the Holder of Payment Card is obliged to immediately notify Neste. Upon receipt of such a notice from the Holder of Payment Card, Neste is obliged to immediately take all reasonable measures available to Neste to prevent further use of the Payment Card.
2.5 Neste has the right to block the use of the Payment Card for objectively justified reasons relating to the security of the Payment Card, or if there is a suspicion that the Payment Card is being used without the Client’s consent or fraudulently, or if the use of a Payment Card with a Credit Limit significantly increases the risk that the Client shall not have sufficient funds to meet the payment obligation. In the event of blocking of the use of the Payment Card, Neste has the right to attach additional conditions to the lifting of the blocking, including the right to demand payment of the debt. Neste shall not be liable for any losses resulting from the blocking of the use of the Payment Card.
3. Settlements and payment obligation
3.1 In case of Transaction executed with the Payment Card with an Advance Payment, Neste has the right to reduce the Client’s Advance Payment by the value of each Transaction. Neste issues a monthly notice/invoice to the Client together with a statement of Transactions for the previous calendar month.
3.2 Neste issues a monthly invoice together with a statement of Transactions for the previous calendar month for Transactions made with a Payment Card used with a Credit Limit. The invoice is payable within 14 calendar days of the invoice date. In the event of a delay in payment, the Client shall pay Neste interest on the overdue amount at a rate of 0.15% per day for each day of delay.
3.3 The time limit for disputing the Transaction by the Client is 2 (two) months of the date of the Transaction and the prerequisite for the payment of any compensation is the submission of documents proving the Transaction.
3.4 The Client is obliged to pay for all Transactions executed with the Payment Card, including Transactions that exceed the Credit Limit or Advance Payment due to a communication line failure or for any other reason.
3.5 For services not directly related to the Transactions, Neste has the right to charge a fee in accordance with the price list for additional services established by Neste at www.neste.ee or separately agreed by the parties.
3.6 Neste processes all the data that it has obtained about the Client at the time of entering into the Agreement or in the course of processing Transactions in accordance with the law. In order to improve the service quality and to provide the Client with suitable services, Neste has the right to process the data, inter alia, for the purposes of researching the Client’s consumption patterns and for direct marketing campaigns. In order to perform the Agreement, Neste shall cooperate with contractual partners to whom Neste may transfer data relating to the Client. The Client who is a natural person agrees that Neste may transfer the Client’s data (name, personal identification number, place of residence, contact details, information on the breach of the Agreement and the obligations arising from the Agreement and the amount of the debt) to third parties (including the payment default register) for the purpose of processing for the purpose of making decisions related to the Credit Limit and/or ensuring the performance of the Agreement. The Client who is a natural person has the right to access their processed data and to request the cessation of the processing in accordance with the procedure provided by law.
4. Liability
4.1 In the event of non-performance or improper performance of the obligations arising from the Agreement, the Client and/or Neste shall be entitled to exercise all remedies provided for in the Agreement or by law. If the Client fails to duly comply with the terms and conditions of the Agreement, Neste reserves the right to reduce the Credit Limit without entering into a corresponding Annex amending the Agreement.
4.2 In the event of the theft or loss of the Payment Card, the Client shall bear the risk of the theft or loss until Neste is notified and shall be liable for any loss or damage caused by the unauthorised use of the Payment Card.
4.3 The Client undertakes to pay to Neste all costs related to the non-performance of their obligations, including debt collection.
5. Validity and amendment of the Agreement
5.1 The Agreement enters into force from the moment of issuance of the Payment Card to the Client and is of unlimited duration. The Client and Neste have the right to terminate the Agreement at any time by giving the other party prior written notice.
5.2 Neste has the right to unilaterally amend the terms and conditions of the Agreement, provided that it gives the Client prior notice of the amendment and a period of notice of not less than 1 (one) month. If the Client has not cancelled the Agreement within this period, the Client shall be deemed to have accepted the amendment.
5.3 The Client is obliged to notify Neste within 14 calendar days of any amendment to the contact details fixed in the Agreement.
5.4 Termination of the Agreement shall not affect the enforceability or satisfaction of any claims arising prior to the termination of the Agreement.
Valid until 31.03.2026
PAYMENT INSTRUMENT CONTRACT FOR CORPORATE CUSTOMERS, TERMS OF USE (version 01/04/2026)
1. DEFINITIONS in the present Terms of Use
1.1. ”Neste” refers to Neste Eesti AS, Sõpruse pst 155, 13417 Tallinn, register code 10167511, VAT EE100062906 e-mail neste.eesti@neste.com.
1.2. ”Neste Website” refers to the website of Neste which is located at https://www.neste.ee/ at the time when the Terms of Use enter into force.
1.3. ”Neste Info” refers to the Neste information service 1424 (+3726304165) (24 hours).
1.4. ”Customer” refers to the business entity who has submitted an Application to Neste for a Payment Instrument and whose Application has been approved by Neste.
1.5. ”Party” or ”Parties” refer to the Customer and Neste alone or both together.
1.6. ”Payment Instrument” refers to the Card, the Unit and the app used in the Mobile Payment Service, collectively and separately. With the Payment Instrument, the Customer may pay Neste for the Product, or pay for other products or services to a merchant in other purchasing locations specified by Neste.
1.7. ”Payment Instrument Contract” or “Contract” refers to a contract entered between Neste and the Customer according to clause 2 of the Terms of Use.
1.8. ”Terms of Use” refers to these general contract terms, in the format in which they are at the time (link). The Terms of Use constitute a fixed part of the Payment Instrument Contract.
1.9. ”Application” refers to Neste’s standard-format application form or an electronic application with signature which the present Payment Instrument Terms of Use are attached to and which the Customer uses to apply for the Payment Instrument.
1.10. ”Card” refers to the Neste corporate card granted by Neste for the Customer for use according to the Contract.
1.11. ”Prepaid Card” refers to the Payment Instrument used for purchases where the Customer must pay to Neste prior to the transaction.
1.12. ”Charge Card” refers to a Payment Instrument used for purchases where the Customer pays for purchases made with the Card according to the terms of the Payment Instrument Contract within a specific time starting from the end of the invoicing period.
1.13. ”Truck+ Service” refers to cardless refueling made using the Unit and associated services.
1.14. ”Unit” refers to the automatic remote identification unit which is installed in the Customer’s vehicle and is provided by Neste for the Customer for use according to the Contract.
1.15. ”Mobile Payment Service” refers to a method using an app produced by Neste and associated services link.
1.16. ”PIN” refers to a personalized security element that is given to the holder of a Payment Instrument upon issuance of the Payment Instrument. The PIN enables the use of the Payment Instrument and replaces the signature of the holder of the Payment Instrument.
1.17. ”Product” refers to the product and/or service related to the product that is purchased from Neste by the Customer using the Payment Instrument.
2. CONCLUSION OF CONTRACT
2.1. The Customer may apply for the Payment Instrument by completing the Application and submitting it to Neste. The Customer must carefully complete all sections of the Application and its appendices, if any. By signing the Application, the Customer is committed to adhering to the applicable Terms of Use.
2.2. The Customer consents to Neste obtaining the Customer’s credit details at Neste’s own expense.
2.3. Neste reserves the right to reject the Application for any reason whatsoever. The Contract takes effect once Neste has approved the Application.
3. DELIVERY OF THE PAYMENT INSTRUMENT
3.1. Neste will deliver the Card and the PIN to the Customer by mail as separate deliveries using the contact details specified by the Customer in their Application.
3.2. If the Customer has applied for the Unit by submitting the Application and Neste has approved the Application, Neste will contact the Customer to agree the Unit installation time and location. The Customer shall cover the installation costs according to the Price List specified by Neste. The Customer may also install the Unit on their own, in which case the Customer is committed to abiding by Neste’s instructions and to carefully performing the application. The Customer shall cover possible damage if the Customer installs the Unit incorrectly or in violation of the instructions.
4. RETAINING THE PAYMENT INSTRUMENT
The Customer’s obligation to take care of the Payment Instrument and the PIN begins once the Customer has received them. The Customer must carefully keep the Payment Instrument and the PIN separate from each other so that they are not available at the same time in an unsupervised car, for example. For reasons of security, the Customer must also save the number of the Card for further reference.
5. USE OF THE PAYMENT INSTRUMENT AND THE PREVENTION OF USE
5.1. Neste does not guarantee uninterrupted availability or validity of the Payment Instrument.
5.2. The maximum usage limit is set for the Customer for all the transactions between Neste and Customer covering also direct sales. Neste is entitled to not accept a transaction if the maximum usage limit is reached.
5.3. As per its purchase limits, the Card is a valid means of payment in the Neste network in Finland, Estonia, Latvia and Lithuania, and in separately mentioned places of purchase abroad, if any. Within the purchase limitations, the Unit is accepted as a Payment Instrument at specified Neste stations. The maximum limits of use for one-off purchases and the network and pricing system principles are available at the Neste Website.
5.4. Neste reserves the right to change the purchase limits and/or usage limits and/ or locations of use for Payment Instruments or individual Customers. Neste shall have the exclusive right to change the applied/granted usage limit or change the Charge Card into a Prepaid Card or change a Prepaid Card into the Charge Card.
5.5. When making a payment using the Card, the Customer accepts the purchases by entering the PIN. The receipt must be retained for further reference. When implementing a payment transaction using the Unit, the Customer accepts the purchase by inserting the nozzle of the gas pump in their vehicle’s tank.
5.6. Neste may refuse from accepting a transaction if the Prepaid Card does not have sufficient balance or if the Payment Instrument’s usage limit is exceeded.
5.7. Neste reserves the right to prevent the use of the Payment Instrument in the following cases:
(i) The security of Payment Instrument use cannot be guaranteed.
(ii) There is reason to believe that the Payment Instrument is used without authorization or for a fraudulent purpose.
(iii) According to Neste’s evaluation, there is an increased risk of the Customer not being able to meet his or her payment obligations.
5.8. The Card is valid until the date stated on it. Neste reserves the right to change or limit the period of validity of the Card. If the Customer has not used the Card within ten (10) calendar months preceding the end of the validity period, Neste will not deliver a new Card to the Customer.
6. LIABILITY FOR PURCHASES MADE USING THE PAYMENT INSTRUMENT
6.1. The Customer is entitled to use the Payment Instrument only for their own purchases. The Customer is responsible for purchases made using the Payment Instrument, also when the usage limit or the Prepaid balance has been exceeded, regardless of the user.
6.2. The Customer will also be liable for any purchases made with the Payment Instrument after Neste has received the report of loss if these purchases are made using the PIN or with an Payment Instrument which the Customer has not removed from use according to Section 16.1 of the Terms of Use. In cases other than those mentioned above, the Customer’s liability concerning the unauthorized use of the Payment Instrument shall expire when Neste has received a report of loss and the details needed for specifying the Payment Instrument.
7. LOSS OF THE PAYMENT INSTRUMENT
If the Payment Payment Instrument is lost, the Customer must immediately notify Neste Info. The notification must contain the following information: the person making the notification, the company, telephone number during office hours, the information required for identifying the Payment Instrument, such as the number of the Card, and whether the PIN has been available together with the Card. Also, if the Unit is lost, the Customer must give the vehicle’s license plate number.
8. PAYMENT INSTRUMENT HANDOVER
8.1. The Payment Instrument shall not be handed over for example to a new owner upon a business handover, corporate acquisition or vehicle handover. However, should the Customer hand over the Payment Instrument to a third party in violation of the term above, the Customer shall be liable for purchases made by the third party.
8.2. If the Customer hands over the vehicle with the Unit installed, by selling the vehicle or stopping its use, for example, the Customer must notify Neste Customer Service of the matter and remove the Unit from the vehicle according to term 16.1 before handing over the vehicle. The Customer shall be liable for purchases made with the Unit until the Customer has submitted the aforementioned notification of the handover and the Unit has been removed from use.
9. CUSTOMER INFORMATION
9.1. The Customer shall immediately notify Neste of any changes to the information given in the Application. If the Customer’s business name or corporate form/business ID entered into the Trade Register changes, the Customer must submit a new Application to the Neste Customer Service. The previous name and the customer number are entered into the ”Additional information” section.
9.2. The Customer is obligated to notify Neste of the Customer being subject to VAT. The Customer is obligated to immediately notify Neste if the Customer’s VAT liability changes.
9.3. The Customer is obligated to immediately notify Neste of any significant Customer ownership changes.
9.4. Neste reserves the right to provide Customer information concerning the Contract within Neste Group and third parties (e.g. subcontractors). The provision of information is possible if the recipient is legally obligated to retain the confidentiality of the information as required by the applicable regulation, or enters into an agreement to retain confidentiality before receiving the information.
9.5. The Customer’s identification information and other personal information can be used to prevent, reveal and clear money laundering and terrorist financing, and to investigate money laundering, terrorist financing and criminal activities through which the assets or criminal benefits subject to money laundering or terrorist financing have been obtained.
9.6. Neste processes all the data that it has obtained about the Customer at the time of entering into the Agreement or in the course of processing Transactions in accordance with the law. In order to improve the service quality and to provide the Customer with suitable services, Neste has the right to process the data, inter alia, for the purposes of researching the Customer’s consumption patterns and for direct marketing campaigns. In order to perform the Agreement, Neste shall cooperate with contractual partners to whom Neste may transfer data relating to the Customer.
10. FEES
Neste has the right to charge additional fees in accordance with the price list established by Neste at www.neste.ee and separately agreed by the parties. Such fees may include e.g. monthly account maintenance fees and invoicing fees.
11. TERMS OF PAYMENT AND PENALTIES FOR DELAYED PAYMENTS
11.1. Neste invoices payments made using a Payment Instrument other than a Prepaid Card and other remunerations as per the Payment Instrument Contract once or twice a month according to the Neste policy. The 15th and last day of each month are the expiry dates of the invoicing periods.
11.2. The term of payment is fourteen (14) days from the expiry of the invoicing period. However, if the invoice date is the 15th, it will fall due on the last business day of the same month at the latest. Neste is entitled to change the invoicing period by notifying the Customer at least 30 days prior to the change date. Any complaints regarding an invoice shall be submitted within seven (7) days of the invoice date. Any complaints submitted after this deadline may be disregarded.
11.3. The Customer will pay for purchases made using a Prepaid Card before the purchase transaction. Balance top-ups are made through Neste self-service (link). Neste is not obligated to return any pre payments made by the Customer during the contractual relationship.
11.4. The fees and product and/or service sales prices according to the Contract do not include VAT. The applicable VAT shall be added to them upon invoicing, in the same invoice with which the fees are charged. VAT shall be paid according to the payment terms agreed in the Contract.
11.5. Penalty interest of 0,15 % per calendar day shall be paid for delayed payments, starting from the due date. Furthermore, the Customer is obligated to cover Neste’s applicable payment reminder or debt collection costs. The euro is the invoicing currency.
11.6. Neste shall have the right to withhold expired receivables from the balance of Prepaid Cards until the Customer makes the payment.
11.7. The Customer is committed to paying all invoices based on the Contract in full, and the Customer does not have any right whatsoever to reduce or set off any payments based on counterclaims or complaints related to the Product or delivery.
11.8. Neste is entitled to demand acceptable collateral from the Customer. Furthermore, Neste has the right to charge the Customer for reasonable costs arising from processing of the collateral.
12. INVOICING
12.1. Neste delivers the invoice by default via e-mail to the e-mail address specified by the Customer, but the Customer has the right to request different delivery methods for invoices. If e-invoicing, direct banking or similar invoicing method is used, the Customer is responsible for processing the invoice and for paying it by the due date. This responsibility starts when Neste has delivered the invoice using the invoice forwarding details indicated by the Customer. Neste assumes no responsibility for data transfer between the Customer and its operator or for any losses caused by any problems in such data transfer. The Customer shall submit any changes to the forwarding details by email to Neste at the latest 14 days prior to their entry into force. Online invoicing becomes effective when the forwarding details have been entered in Neste’s systems, however not before the Customer’s operator has established the necessary routing. Neste reserves the right to spend a reasonable amount of time for processing the forwarding details. For more information about online invoicing, see the Neste Website or contact the Customer Service.
12.2. If the Customer wishes to receive a paper invoice or has not given Neste a valid e-mail address, Neste shall send a paper invoice to the invoicing address provided by the Customer.
13. TERMS OF SALE FOR PRODUCTS PURCHASED USING THE PAYMENT INSTRUMENT
13.1. When the Customer buys Products from the Neste network, the Neste price valid at the time is used as the sales price, unless otherwise agreed between Neste and the Customer in writing.
13.2. Neste reserves the right to freely change the daily Product prices at its discretion.
13.3. Neste guarantees that the quality of the Product delivered by the Neste network corresponds with the Product data sheet or is better at the moment of delivery. Neste does not offer any other Product guarantee, neither explicit nor implicit, nor can it be held liable for the Product’s fitness for a particular purpose nor for any purpose for which the Products or similar products are usually used.
14. TERMINATION OF THE CONTRACT
14.1. The Payment Instrument Contract shall be effective until terminated by either Party. The Customer may terminate the Payment Instrument Contract with immediate effect. Neste’s termination period is 30 days.
14.2. Neste Prepaid Card customers have the right to receive the balance they have topped up on the card within reasonable time after the Contract has been terminated. Upon the end of the Payment Instrument Contract, Neste shall have the right to deduct its receivables from any fees returned to the Customer.
15. CANCELLATION OF THE CONTRACT
Neste may cancel the Payment Instrument Contract with immediate effect, if (i) the Customer has failed to pay the invoice by the due date; (ii) the Customer has committed a material breach of Contract; (iii) the Customer has filed for or is required to file for bankruptcy, reorganization, liquidation, loan arrangement or similar, or if the Customer’s ownership has changed to an essential extent, or if the Customer’s financial standing is such that upon Neste’s reasonable consideration, the Customer is not capable of meeting their contractual obligations, or (iv) the Customer (its actual beneficiary and/ or a party holding at least 50% of the Customer) is or will be placed in a trading sanctions list, such as the sanctions list of Finland, Estonia, the United Nations, the European Union and/or the United States (OFAC).
16. CONTRACT TERMINATION MEASURES
16.1. The Customer shall cut the Card in two and remove the Unit according to Neste instructions. The Customer shall perform these tasks immediately upon the termination of the Contract, or, when the Payment Instrument is replaced, immediately once the Customer has received the new Payment Instrument.
16.2. Upon termination of the Contract, Neste has the right to demand the Customer pays its receivables and agreed interest even if the receivables have not fallen due.
17. LIABILITY OF NESTE IN CASES OF BREACH OF CONTRACT
17.1. Neste cannot be held liable for any consequential damage caused by a breach of contract, such as lost profits, reduced or interrupted business, or damage to property other than the Products sold.
17.2. Unless stated to the contrary in imperative legal provisions, Neste cannot be held liable for any losses, damage to property, environmental damage, or bodily injury caused by disadvantages characteristic of the Product.
17.3. The limitations of liability laid down in these Terms of Use apply to each of the Parties only if (i) the Party has not caused the loss or injury intentionally or by gross negligence, (ii) the limitation of liability is possible according to law, and (iii) the Party has not caused the loss or injury by committing a punishable act.
18. TRANSFER OF THE CONTRACT
18.1. The Customer is not entitled to transfer the Contract to a third party.
18.2. However, Neste is entitled to transfer the Contract to a third party with all rights and obligations without discussing the transfer with the Customer assuming that the transfer will not weaken the Customer’s position and that the third party has the operating permit that may be required.
18.3. Neste is entitled to use a representative in taking the measures and meeting the obligations set out in the Contract.
19. CHANGES TO TERMS OF USE
19.1. Neste reserves the right to change the Payment Instrument Terms of Use and the related fees at its own discretion providing that the changes will not essentially increase the Customer’s obligations. Fees may, for example, be increased on the basis of increased service production costs.
19.2. The change will take effect within 30 days after a written notification has been sent to the Customer.
19.3. If the Customer does not accept the change, the Customer has the right to terminate the Contract, effective on the date the change enters into force, by submitting a notice to that effect to Neste prior to entry into force of the change.
20. OTHER PROVISIONS
20.1. The safety data sheets and product data sheets for the products are available for printing at the Neste Website or, at the Customer’s request, from Customer Service. The proprietary right and liability for risk of a Product shall be transferred from Neste to the Customer at the moment of refueling (for fuels) and the moment of purchase (for other products).
20.2. The Customer accepts that Neste records all phone calls placed to the Customer Service. More information about recording customer calls, Products and services, prices, and extra fees applied by Neste is available at the Neste Website and from Neste Customer Service.
21. APPLICABLE LAW AND OTHER CONDITIONS
The Contract is governed by the laws of Estonia. Disputes shall be resolved in a court in accordance with the laws of the Republic of Estonia.