We accept payments via American Express, Visa, CB, Visa Electron, MasterCard, Amex, Klarna pay in 3 interest-free installments, Bancontact, Paypal and Paypal 4x interest-free, and Gift Cards.
For more information on payments, please consult our 3 partners: www.payplug.com, paypal.com, or www.klarna.com
If paying by credit card, your payment will be charged 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 its entirety, the value of the items not shipped will be refunded to you via the same payment method used for the purchase.
All prices include taxes and are shown excluding shipping costs. Your total order amount consists of the price of your items plus the shipping costs.
As soon as you select the payment method you wish to use for your purchases, you will be directed to a secure site environment that meets the highest security standards (PCI DSS).
During your payment, you will enter your card number, expiration date, and the security code on the back of your card.
– You will then be asked to use the 3D Secure authentication module. Simply enter the code you received on your mobile phone to authenticate your purchase and validate it.
– This sensitive data is automatically transmitted in encrypted mode (SSL protocol) to be verified in order to prevent abuse and fraud.
Transactions made on andjoybags.com are protected 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. It is also not stored on our computer systems.
One of the solutions for fighting fraud consists of reinforcing authentication for the cardholder, especially for higher-risk transactions, as permitted by 3D-Secure, the most widely used mechanism today in France and abroad.
3D-Secure is a system that allows for reinforced authentication of a payment cardholder when making an online purchase.
The buyer must enter a one-time authentication code, usually received via SMS on their mobile phone, to validate the payment for their purchases.
Once the code is entered on the website, the purchase will be confirmed.
Increasingly, banks simply ask you to validate the transaction through your bank's app, without entering any code.
Products are paid for in full on the day of the actual order or in 3-4 interest-free installments.
Payment for purchases is made via:
Credit card, VISA, Mastercard, Amex
The customer accesses a dedicated space provided by a banking institution (Payplug), which guarantees the security and registration of the payment order.
Pay in 3 installments with Klarna
Installment/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 multiple installments with Klarna, the Customer pays no fees.
Pay for your order in 3 installments by credit card for purchases from €10 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 using your credit card.
Conditions:
This offer is reserved for private individuals (adults) residing in France, Belgium, Germany, Portugal, the United Kingdom, Austria, the Netherlands, Switzerland, Spain, Italy, and holders of a Visa or MasterCard credit card with an expiration date beyond the chosen financing period. Cards requiring systematic authorization, particularly Electron, Maestro, Nickel, etc., as well as e-cards, Indigo cards, and American Express, are not accepted.
Subscription conditions:
After finalizing your order, simply click on the "Pay with Klarna by credit card" button. You will be redirected to our partner Klarna's 3x payment webpage, where the detailed summary of your order and the personalized financing application are displayed, which you must then validate. Enter your personal details or, if you have a Klarna account, log in with the credentials linked to your Klarna account. Read the general terms and conditions for installment payments you wish to subscribe to, which are provided in PDF format so you can read, print, and save them before accepting. Then, signify 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 product's general terms. Unless proven otherwise, the data recorded by Klarna Bank constitutes proof of all transactions carried out between you and Klarna Bank. If you request to benefit from a financing solution offered by Klarna Bank, the information regarding your order will be transmitted to Klarna Bank, which will use it for the purpose of reviewing your application for the granting, management, and collection of the credit. Klarna Bank reserves the right to accept or reject your 3-installment financing application. You have a 14-day withdrawal period to cancel your credit.
How it works:
The 3-installment payment 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 shipping is confirmed; two or three monthly installments, each corresponding to one-third or one-quarter of the order, charged 30 and 60 days later for payment in 3 installments, and 30, 60, and 90 days later for payment in 4 installments, which include fees equivalent to 0% of the total order amount for a 3-installment payment and 0% for a 4-installment payment.
For payment in 3 interest-free installments: the financing cost is 0% of the total order amount.
Example for a €150 purchase, initial payment of €50, followed by 2 monthly installments 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 financing cost is 0% of the total order amount.
Example for a €400 purchase, initial payment of €100, followed by 3 monthly installments of €100. Credit with a duration of 3 months at a fixed APR of 0%.
Cost of financing: €0
KLARNA Registered Office
Sveavägen 46, SE-111 34 Stockholm, Sweden
Klarna Bank AB (publ) is a company under Swedish law and is registered in the Swedish Trade Register. The French branch of Klarna Bank AB (publ) is registered in the French Financial Agents Register (REGAFI) under number 91709 and its bank code (CIB) is 28033.
Phone number: 01 79 35 53 80 (charges may apply depending on the conditions and services offered by your phone provider).
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.
The individual customer has a right of withdrawal, which they can exercise without giving a reason, within a period of fourteen (14) business days from the delivery of the order, which shall be exercised by returning, at their own expense for accessories, new products (never used, in their original packaging) or free of charge for a handbag (see our free return policy) after having obtained a return authorization number from the company AND JOY.
The company AND JOY will refund the customer for sums already paid, deducting any shipping costs, under the conditions mentioned in article 7 below.
