We accept payments by American Express, Visa, Debit Card, Visa Electron, MasterCard, Amex, Klarna pay in 3 installments interest-free, Bank transfer, PayPal and PayPal in 4 installments interest-free, and Gift Card.
For more information about payments, please visit our 3 partners: www.payplug.com or paypal.com or www.klarna.com
If you pay by debit card, your payment will be charged on the day you place your order. A confirmation email will be sent to you.
Should we be unable to ship your entire order, the value of the items not shipped will be refunded using the same payment method used for your purchase.
All prices include taxes and are shown excluding shipping costs. Your order total consists of the price of your items plus shipping fees.
As soon as you select your preferred payment method, you'll be directed to our secure site environment that meets the strictest security standards (PCI DSS).
During payment, you'll enter your card number, expiration date, and the security code on the back of your card.
– You'll then be asked to use the 3D Secure authentication system. Simply enter a code you'll receive by text message on your phone to authenticate and validate your purchase.
– These confidential details are automatically transmitted in encrypted mode (SSL protocol) to be verified, preventing abuse and fraud.
Transactions 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, and is not stored on our computer systems.
One of the best ways to prevent fraud is to use enhanced authentication for cardholders, especially for higher-risk transactions—this is exactly what 3D-Secure does, the most widely used security method in France and internationally.
3D-Secure is a system that provides enhanced authentication for cardholders when making online purchases.
The buyer must enter a one-time authentication code, usually received by text message on their phone, to validate their purchase payment.
Once you've entered the code on our site, your purchase will be confirmed.
More and more banks now simply ask you to validate the transaction through your bank's app, without entering a code.
Products can be paid in full when you place your order, or in 3 or 4 installments interest-free.
Payment for purchases is made by:
Debit card, VISA, Mastercard, Amex
Customers have access to a dedicated space provided by a banking institution (Payplug), which ensures the security and registration of the payment instruction.
Pay in 3 installments with Klarna
Installment or deferred payment is available through our Klarna (3x) or PayPal (4x) partners.
Purchase amount
Payment in 3 or 4 installments: Only purchases between €150 and €1,200 are eligible for payment with Klarna or PayPal 4x.
Fees
When paying in installments with Klarna, you pay no fees.
Pay for your order in 3 installments by bank card from €10 of purchases up to €1,200 with Klarna Bank.
Our partner Klarna Bank offers you a financing solution called "Flexible Payment", which allows you to pay for your purchases from €10 to €1,200 in 3 installments with your bank card.
Terms and conditions:
This offer is reserved for individuals (adults) residing in France, Belgium, Germany, Portugal, UK, Austria, Netherlands, Switzerland, Spain, Italy and holders of a Visa and MasterCard bank card with an expiration date longer than the chosen financing period. Cards with systematic authorization, such as Electron, Maestro, Nickel etc., as well as e-cards, Indigo cards and American Express are not accepted.
How to subscribe:
After completing your order, simply click on the "pay with Klarna by bank card" button. You are then redirected to our partner's Klarna 3x website displaying a detailed summary of your order and personalized financing request, which you must then validate. You enter your personal information or, if you have a Klarna account, you log in using your Klarna account credentials. You review the terms and conditions for installment payment to which you wish to subscribe, which are provided to you in PDF format so you can read, print and save them before accepting them. You then notify your electronic acceptance by checking the corresponding box. You acknowledge that the "double click" associated with the checkbox on reviewing the terms and conditions constitutes consent to contract and constitutes an irrevocable and unconditional acceptance of the product's terms and conditions. Except to the contrary evidence, 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 to assess your request for the granting, management and collection of credit. 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 bank card allows you to settle the order placed on our merchant site in the following way:
A mandatory deposit, debited on the day your order is confirmed for shipping; two or three monthly payments, each corresponding to one-third or one-quarter of the order, deducted at 30 and 60 days after for 3x and at 30, 60 and 90 days after for 4x, which include fees corresponding to 0% of the total order amount for 3x and 0% for 4x.
For payment in 3 installments with no fees: the financing cost is 0% of the total order amount.
Example for a €150 purchase, deposit of €50, then 2 monthly payments of €50, Credit for a duration of 2 months at a fixed APR of 0%.
Financing cost: €0.
For payment in 4 installments with no fees: the financing cost is 0% of the total order amount.
Example for a €400 purchase, deposit of €100, followed by 3 monthly payments of €100. Credit for a duration of 3 months at a fixed APR of 0%.
Financing cost: €0
KLARNA Head office
Sveavägen 46, SE-111 34 Stockholm, Sweden
Klarna Bank AB (publ) is a Swedish company and is registered in the Swedish Business and Company Register. The French branch of Klarna Bank AB (publ) is listed in the French Financial Agents Register (REGAFI) under number 91709 and its Bank code (CIB) is number 28033.
Phone number: 01 79 35 53 80 (charges may apply depending on your telecom provider's terms and services).
4. Les données enregistrées et conservées par la Société And Joy constituent la preuve de la commande et de l’ensemble des transactions passées. Les données enregistrées par le système de paiement constituent la preuve des transactions financières.
Le client particulier dispose d’un droit de rétractation, qu’il peut exercer sans motif, dans un délai de quatorze (14) jours francs à compter de la livraison de la commande qui s’exercera par le retour à ses frais pour les accessoires, des produits neufs (jamais utilisés, dans leur emballage d’origine) ou gratuitement pour un sac (voir notre politique de retour gratuit) après avoir obtenu un numéro d’accord de retour auprès de la société And Joy.
La Société And Joy remboursera au client les éventuelles sommes déjà versées, déduction faite des éventuels frais d’expédition, dans les conditions visées à l’article 7 suivant.
