We accept payments by American Express, Visa, CB, Visa Electron, MasterCard, Amex, Klarna pay 3x interest-free, Bank contact, Paypal and Paypal 4x 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
In case of payment by Credit Card, your payment will be debited on the day of the order. A confirmation will be sent to you by email.
If we were unable to ship your entire order, the value of unshipped items will be refunded 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, expiry 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 validate it.
– These confidential data are automatically transmitted in encrypted mode (SSL protocol) to be verified in order to prevent abuses and fraud.
Transactions carried out 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. They are also not stored on our computer systems.
One of the solutions to combat fraud is to authenticate the cardholder in a reinforced manner, particularly for the riskiest transactions, as 3D-Secure allows, the most widespread mechanism today in France and abroad.
3D-Secure is a device that allows the holder of a payment card to be authenticated in a reinforced manner on the occasion of an online purchase.
The buyer must enter a one-time 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 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 can be paid in full on the day of the actual order or in 3x-4x interest-free.
Payment for purchases is made either by:
Debit card, VISA, Mastercard, Amex
The customer accesses a dedicated space made available by a banking establishment (Payplug), which ensures the security and recording of the payment order.
Payment in 3 installments with Klarna
Payment in multiple installments/deferred payment is available via our Klarna (3x) or Paypal (4x) partners.
Amount of purchases
Payment in 3 or 4X: Only purchases between €150 and €1200 are eligible for payment with Klarna or Paypal 4x.
Fees
By paying in several installments with Klarna, the Customer does not pay any fees.
Pay for your order in 3 installments by debit card from €10 of purchases up to €1200 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 €1200 in 3 installments with your debit card.
Conditions:
This offer is reserved for individuals (legal adult persons) residing in France, Belgium, Germany, Portugal, UK, Austria, Netherlands, Switzerland, Spain, Italy and holders of a Visa and MasterCard debit card with an expiry date greater than the duration of the chosen financing. Cards with systematic authorization, in particular of the Electron, Maestro, Nickel type etc... as well as e-cards, Indigo cards and American Express are not accepted.
Terms of subscription:
After completing your order, simply click on the "pay with Klarna by debit card" button. You are then redirected to our partner's Klarna 3x internet page displaying the 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 the login credentials linked to your Klarna account. You become aware of the general terms and conditions of payment in several installments to which you wish to subscribe which are provided to you in PDF format so that you can read, print and save them before accepting them. You then notify your electronic acceptance by the corresponding checkbox. You acknowledge that the "double click" associated with the checkbox on the awareness of the general conditions constitutes consent to contract and constitutes an irrevocable and unconditional acceptance of the general conditions of the product. 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 examining 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.
Operation:
Payment in 3 x by debit card allows you to settle the order placed on our merchant website as follows:
A mandatory contribution, debited on the day of confirmation of shipment of your order; two or three monthly installments, each corresponding to a third or a quarter of the order, deducted at 30 and 60 days after for the 3 times and at 30, 60 and 90 days after for the 4 times, which include fees corresponding to 0% of the total amount of the order for a 3 times and 0% for a 4 times.
For payment in 3 installments free of charge: the cost of financing is 0% of the total amount of the order.
Example for a purchase of 150€, deposit of 50€, then 2 monthly installments of 50€, Credit for a period of 2 months at a fixed TAEG of 0%.
Financing cost: 0€.
For payment in 4 installments free of charge: the cost of financing is 0% of the total amount of the order.
Example for a purchase of 400€, deposit of 100€, followed by 3 monthly installments of 100€. Credit for a period of 3 months at a fixed TAEG 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 Register. The French branch of Klarna Bank AB (publ) is registered in the Register of French Financial Agents (REGAFI) under the number 91709 and its Bank code (CIB) is the number 28033.
Phone number: 01 79 35 53 80 (charges may be incurred depending on the conditions and services offered by your telephone service provider).
4. The data recorded and retained by the Company AND JOY constitutes proof of the order and all transactions carried out. 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 reason, within fourteen (14) clear days from the delivery of the order, which will be exercised by return at their 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 sums already paid, minus any shipping costs, under the conditions referred to in Article 7 below.
