Are there any fees charged for paying online via Credit Card? Can I apply for credit?  Can I change the languages in MyFinance? Can I dispute my invoice if I disagree with what I've been billed? Can I make a payment through MyFinance? Can I pay charges before an invoice is issued? Can I pay invoices using credit notes? Can I pay my freight invoice in a different currency than that of the invoice? Can I pay with SmartPay in all countries? Can I raise my disputes in MyFinance? Can I request a physical invoice via mail?  Can I request a refund of my Credit Note on MyFinance?