4. Prices and payment methods
1. Price determination
Product prices are indicated in euros, including all taxes for mainland France and the European Union, excluding shipping costs.
The total price of the order (including all taxes and shipping costs) is indicated in the shopping cart.
For French Overseas Territories, Switzerland, and all other countries outside the European Union, the sales prices shown 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 Territory of delivery chosen at the time of the order, have to pay customs and/or import duties based on the legislation in force in that country or Overseas Territory.
The company AND JOY reserves the right to modify its prices at any time, but products will be invoiced based on the rates in force at the time of order registration, subject to availability.
2. Payment method
Products are payable in full on the day of the actual order or in 3 interest-free installments.
Payment for purchases is made via:
Credit card, VISA, Mastercard
The customer accesses a dedicated space provided by a banking entity (Payplug), which guarantees the security and recording of the payment order.
Pay in 3 or 4 installments with Payplug / Klarna
Installment/deferred payment is available through our partners Payplug and Klarna.
Purchase amount
Payment in 3 or 4 installments: Only purchases between 150 € and 1200 € are eligible for payment with Klarna.
Fees
When paying in several installments with Klarna, the Customer does not pay any fees.
Pay for your order in 3 installments by credit card starting from 150€ of purchases up to
1200€ with Klarna.
Our partner Klarna offers you a financing solution called 3x Klarna, which
allows you to pay for your purchases from 150€ to 1200€ in 3 installments with your credit card.
Conditions:
This offer is reserved for individuals (natural persons of legal age) residing in France and holding a Visa or MasterCard credit card with an expiration date longer than the duration of the chosen financing. Systematic authorization cards, in particular those of the Electron, Maestro, Nickel, etc. type, as well as e-cards, Indigo cards, and American Express are not accepted.
Subscription conditions:
After finalizing your order, simply click on the "Pay in 3x Klarna by credit card" button. You will be redirected to our partner's 3x Klarna webpage, where your order summary and the personalized financing application will be displayed for you to validate. Enter your personal information or, if you have a 3x Klarna account, sign in with your 3x Klarna account credentials. Read the general terms and conditions for installment payments you wish to subscribe to, which are provided in PDF format for you to read, print, and save before accepting. Next, confirm your electronic acceptance by checking the corresponding box. You acknowledge that the "double click" associated with the checkbox confirming knowledge of the general terms and conditions is equivalent to consent to contract and constitutes an irrevocable and unconditional acceptance of the general product terms. Unless proven otherwise, the data recorded by Klarna constitutes proof of all transactions carried out between you and Klarna. If you request to benefit from a financing solution offered by Klarna, information related to your order will be transmitted to Klarna, which will use it to review your application for credit approval, management, and collection. Klarna reserves the right to accept or reject your 3x Klarna financing application. You have a 14-day withdrawal period to cancel your credit.
Operation:
Paying in 3 or 4 installments by credit card allows you to pay for the order placed on our website as follows:
A mandatory initial payment, charged on the day your order shipment is confirmed; two or three monthly payments, each corresponding to one-third or one-quarter of the order, collected at 30 and 60 days for payment in 3 installments and at 30, 60, and 90 days for payment in 4 installments, which include fees corresponding to 0% of the total order amount for a payment in 3 installments and 0% for a payment in 4 installments.
For payment in 3 interest-free installments: the cost of financing is 0% of the total order amount.
Example for a purchase of 150€, initial payment of 50€, then 2 monthly payments of 50€, Credit with a duration of 2 months at a fixed APR of 0%.
Cost of financing: 0€.
For payment in 4 interest-free installments: the cost of financing is 0% of the total order amount.
Example for a purchase of 400€, initial payment of 100€, followed by 3 monthly payments of 100€. Credit with a duration of 3 months at a fixed APR of 0%.
Cost of financing: 0€
4. The data recorded and kept by the company AND JOY constitute proof of the order and of all transactions carried out. The data recorded by the payment system constitutes proof of financial transactions.