We accept payment by American Express, Visa, CB, Visa Electron, MasterCard, Amex, Klarna pay 3x interest-free, Bancontact, Paypal and Paypal 4x interest-free, and Gift Cards.
For more information about payments, please visit our 3 partners: www.payplug.com or paypal.com or www.klarna.com
In the case of payment by credit card, your payment will be debited on the day of your order. A confirmation will be sent to you by email.
If, however, we are unable to ship your order in full, the value of the items not shipped will be refunded to you by the same payment method used for the purchase.
All prices are inclusive of all taxes and are presented excluding shipping costs. The total amount of your order is composed of the price of your items plus shipping costs.
As soon as you select the payment method by which you wish to pay for your purchases, you are directed to the secure environment of the site which complies with the strictest security standards (PCI DSS).
When making your payment, you provide your card number, expiration date, and the number on the back of your card.
You will then be invited to use the 3D Secure authentication module. You will simply need to enter a code that you will have received on your mobile phone to authenticate your purchase and therefore validate it.
These confidential data are automatically transmitted in encrypted mode (SSL protocol) to be verified in order 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 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 authenticate the cardholder with enhanced security, particularly for the most risky transactions, as allowed by 3D-Secure, the most widespread mechanism today in France and abroad.
3D-Secure is a system that allows authentication of a payment card holder in a reinforced manner during an online purchase.
The buyer must enter a single-use authentication code, most often received by SMS on your mobile phone, to validate the payment of their purchases.
Once the code is entered on the website, your purchase will be confirmed.
Increasingly, banks are simply asking you to validate the transaction through your bank's app, without entering a code.
Products are payable in full on the day of the actual order or in 3x-4x installments with no fees.
Payment for purchases is made via:
Debit card, VISA, Mastercard, Amex
The customer accesses a dedicated space provided by a financial institution (Payplug), which ensures the security and recording of the payment order.
Payment in 3 installments with Klarna
Installment or 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
When paying in installments with Klarna, the customer pays no fees.
Payment of your order in 3 installments by bank card from €10 in 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 your purchases from 10€ to 1200€ in 3 installments with your credit card.
Terms:
This offer is reserved for private individuals (of legal age) residing in France, Belgium, Germany, Portugal, UK, Austria, Netherlands, Switzerland, Spain, Italy and holders of a Visa or MasterCard bank card with an expiration date longer than the chosen financing period. Cards with systematic authorization, particularly Electron, Maestro, Nickel type cards, as well as e-cards, Indigo cards and American Express are not accepted.
Subscription Terms:
After completing your order, simply click the "payment button with Klarna by bank card". You are then redirected to the 3x Klarna internet page of our partner displaying the 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 acknowledge the general terms and conditions of installment payment that you wish to subscribe to, which are provided to you in PDF format so you can read, print, and save them before accepting them. You then confirm your electronic acceptance by clicking the corresponding checkbox. You acknowledge that the "double click" associated with the checkbox confirming understanding of the general terms constitutes consent to contract and is an irrevocable and unconditional acceptance of the general terms of the product. Unless proven otherwise, the data recorded by Klarna Bank constitutes proof of all transactions that have taken place between you and Klarna Bank. If you request 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 application for the granting, management, and recovery of credit. Klarna Bank reserves the right to accept or refuse your request for 3x financing. You have a 14-day withdrawal period to give up your credit.
How it works:
Payment in 3 installments by credit card allows you to settle the order placed on our online store in the following way:
A mandatory down payment, debited on the day your order is confirmed for shipping; two or three monthly installments, each corresponding to one-third or one-quarter of the order, charged at 30 and 60 days later for the 3-payment plan and at 30, 60, and 90 days later for the 4-payment plan, which include fees corresponding to 0% of the total order amount for 3 installments and 0% for 4 installments.
For 3-installment payment with no fees: the financing cost is 0% of the total order amount.
Example for a €150 purchase, €50 down payment, then 2 monthly installments of €50. Credit for a duration of 2 months at a fixed APR of 0%.
Financing Cost: €0.
For 4-installment payment with no fees: the financing cost is 0% of the total order amount.
Example for a €400 purchase, €100 down payment, followed by 3 monthly installments of €100. Credit for a duration of 3 months at a fixed APR of 0%.
Financing Cost: €0
KLARNA Registered Office
Sveavägen 46, SE-111 34 Stockholm, Sweden
Klarna Bank AB (publ) is a Swedish company and is registered in the Swedish Business Register. The French branch of Klarna Bank AB (publ) is registered in the Register of French Financial Agents (REGAFI) under number 91709 and its Bank code (CIB) is number 28033.
Phone number: 01 79 35 53 80 (charges may apply depending on the conditions and services offered by your telecommunications provider).
4. Data recorded and retained by AND JOY constitutes proof of the order and all transactions made. Data recorded by the payment system constitutes proof of financial transactions.
Individual customers have a right of withdrawal, which they may exercise without reason, within fourteen (14) clear days from delivery of the order, exercised by returning at their own expense for accessories, new products (never used, in their original packaging) or free of charge for a bag (see our free return policy) after obtaining a return authorization number from AND JOY company.
AND JOY company will refund the customer any amounts already paid, minus any shipping costs, under the conditions referred to in Article 7 below.
