We accept payments by American Express, Visa, CB, Visa Electron, MasterCard, Amex, Klarna pay 3x no fees, Bancontact, Paypal and Paypal 4x no fees, and Gift Card.
For more information on payments, please visit our 3 partners: www.payplug.com or paypal.com or www.klarna.com
If paying by credit card, your payment will be debited on the day of the order. A confirmation will be sent to you by email.
However, if we are unable to ship your order in full, the value of the unshipped items will be refunded to you using the same payment method used for the purchase.
All prices include taxes and are presented excluding shipping costs. The total amount of your order is composed of the price of your items plus delivery fees.
As soon as you select your preferred payment method, you will be redirected to the secure environment of the site, which meets the strictest security standards (PCI DSS).
During payment, you will enter your card number, expiration date, and the security code on the back of your card.
– You will then be prompted to use the 3D Secure authentication module. You will simply need to enter a code received on your mobile phone to authenticate and validate your purchase.
– This confidential data is automatically transmitted in encrypted mode (SSL protocol) for verification to prevent abuse and fraud.
Transactions made on andjoybags.com are secured by the Payplug payment system (https://www.payplug.com). All information exchanged to process the payment is encrypted using the SSL protocol. This data cannot be detected, intercepted, or used by third parties. It is also not stored on our computer systems.
One solution to combat fraud is to implement stronger cardholder authentication, especially for higher-risk transactions, as enabled by 3D-Secure, the most widely used mechanism today in France and internationally.
3D-Secure is a system that provides enhanced authentication of a payment cardholder during an online purchase.
The buyer must enter a one-time authentication code, most often received via SMS on their mobile phone, to validate the payment for their purchases.
Once the code is entered on the site, the purchase will be confirmed.
Increasingly, banks simply ask you to validate the transaction via your bank's application, without entering a code.
Products are payable in full on the day of the actual order or in 3x-4x interest-free installments.
Purchases can be paid for by:
Credit card, VISA, Mastercard, Amex
The customer accesses a dedicated space provided by a banking institution (Payplug), which ensures the security and recording of the payment order.
Payment in 3 installments with Klarna
Installment/deferred payment is available through our partners Klarna (3x) or Paypal (4x).
Purchase Amount
Payment in 3 or 4 installments: Only purchases between €150 and €1200 are eligible for payment with Klarna or Paypal 4x.
Fees
By paying in installments with Klarna, the customer pays no fees.
Pay for your order in 3 installments by credit card for purchases from €10 up to €1200 with Klarna Bank.
Our partner Klarna Bank offers a financing solution called "Flexible Payment," which allows you to pay for your purchases from €10 to €1200 in 3 installments with your credit card.
Conditions:
This offer is reserved for individuals (adult natural persons) residing in France, Belgium, Germany, Portugal, UK, Austria, Netherlands, Switzerland, Spain, Italy, and holding a Visa or MasterCard credit card with a validity date exceeding the chosen financing period. Systematically authorized cards such as Electron, Maestro, Nickel, etc., as well as e-cards, Indigo, and American Express cards are not accepted.
Subscription terms:
After completing your order, simply click on the "pay with Klarna by credit card" button. You will then be redirected to our partner's Klarna 3x webpage displaying a detailed summary of your order and the personalized financing request, which you must then validate. You enter your personal information or, if you have a Klarna account, you identify yourself using the login credentials linked to your Klarna account. You review the general terms and conditions for installment payments that you wish to subscribe to, which are provided in PDF format so you can read, print, and save them before accepting. You then confirm your electronic acceptance by checking the corresponding box. You acknowledge that the "double click" associated with the checkbox for acknowledging the general terms constitutes consent to contract and an irrevocable and unreserved acceptance of the product's general terms. Unless proven otherwise, the data recorded by Klarna Bank constitutes proof of all transactions between you and Klarna Bank. If you request to benefit from a financing solution offered by Klarna Bank, information related to your order will be transmitted to Klarna Bank, which will use it for the purpose of studying your application for credit granting, management, and recovery. Klarna Bank reserves the right to accept or refuse your 3x financing request. You have a 14-day withdrawal period to cancel your credit.
How it works:
Payment in 3 installments by credit card allows you to pay for your order placed on our merchant site as follows:
A mandatory down payment, debited on the day of confirmation of your order's shipment; two or three monthly installments, each corresponding to one-third or one-fourth of the order, debited 30 and 60 days later for 3 installments, and 30, 60, and 90 days later for 4 installments, which include fees corresponding to 0% of the total order amount for 3 installments and 0% for 4 installments.
For 3 interest-free payments: the financing cost is 0% of the total order amount.
Example for a purchase of €150, down payment of €50, then 2 monthly payments of €50. Credit duration of 2 months at a fixed APR of 0%.
Financing cost: €0.
For 4 interest-free payments: the financing cost is 0% of the total order amount.
Example for a purchase of €400, down payment of €100, followed by 3 monthly payments of €100. Credit duration of 3 months at a fixed APR of 0%.
Financing cost: €0
Klarna Headquarters
Sveavägen 46, SE-111 34 Stockholm, Sweden
Klarna Bank AB (publ) is a company incorporated under Swedish law and registered with the Swedish Companies Registration Office. The French branch of Klarna Bank AB (publ) is registered with the French Register of Financial Agents (REGAFI) under number 91709 and its Bank Identification Code (CIB) is number 28033.
Phone number: 01 79 35 53 80 (fees may apply depending on the conditions and services offered by your phone provider).
4. The data recorded and stored by the Company AND JOY constitutes proof of the order and all past transactions. The data recorded by the payment system constitutes proof of financial transactions.
The individual customer has a right of withdrawal, which they can exercise without cause, within fourteen (14) clear days from the delivery of the order. This right is exercised by returning new products (never used, in their original packaging) at their own expense for accessories, in their original packaging) or free of charge for a bag (see our free return policy) after obtaining a return agreement number from AND JOY.
AND JOY will refund any sums already paid by the customer, minus any shipping costs, under the conditions referred to in article 7 below.
