4. Pricing and Payment Methods
1. Price Determination
Product prices are indicated in euros, all taxes included for mainland France and the European Union, excluding shipping costs.
The total price of the order (including all taxes and shipping costs) is shown in your cart.
For overseas departments, Switzerland, and all other countries outside the European Union, the displayed selling prices are considered tax-free and therefore cannot be subject to VAT deduction. The customer acknowledges that they are considered the official importer and may, depending on the country or overseas department of delivery chosen at the time of order, be required to pay customs duties and/or import duties in accordance with the legislation in force in the said country or overseas department.
The AND JOY Company reserves the right to change its prices at any time, but products will be billed on the basis of prices in effect at the time the order is recorded, subject to availability.
2. Payment Terms
Products are payable in full on the day of the actual order or in 3 installments with no fees.
Payment for purchases is made via:
Debit card, VISA, Mastercard
The customer accesses a dedicated space provided by a financial institution (Payplug), which ensures the security and recording of the payment order.
Pay in 3 or 4 installments with Payplug / Klarna
Installment or deferred payment is available through our partners Payplug and Klarna.
Purchase Amount
Payment in 3 or 4 installments: Only purchases between €150 and €1,200 are eligible for payment with Klarna.
Fees
When paying in installments with Klarna, the customer pays no fees.
Payment of your order in 3 installments by bank card from €150 in purchases up to
€1200 with Klarna.
Our partner Klarna offers you a financing solution called 3x Klarna, which
lets you pay for purchases from €150 to €1,200 in 3 installments with your bank card.
Terms:
This offer is reserved for individuals (of legal age) residing in France and holding a Visa or MasterCard credit card with an expiration date greater than the duration of the chosen financing. 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 "3x 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 3x Klarna account, you identify yourself using the login credentials linked to your 3x 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. Absent proof to the contrary, the data recorded by Klarna constitutes proof of all transactions between you and Klarna. If you request a financing solution offered by Klarna, information related to your order will be transmitted to Klarna, which will use it to assess your application for the granting, management, and recovery of credit. Klarna reserves the right to accept or refuse your request for 3x Klarna financing. You have a 14-day withdrawal period to give up your credit.
How it works:
Payment in 3 or 4 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
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.