We accept payments via American Express, Visa, CB, Visa Electron, MasterCard, Amex, Klarna pay in 3 interest-free installments, Bancontact, Paypal and Paypal in 4 interest-free installments, and Gift Card.
For more information on payments, please visit the websites of our 3 partners: www.payplug.com or paypal.com or www.klarna.com
When paying by Credit Card, the payment will be charged on the day of the 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 unshipped items will be refunded to you using the same payment method used for the purchase.
All prices include VAT and do not include shipping costs. Your total order amount consists of the price of the items plus delivery charges.
As soon as you select the payment method you wish to use for your purchases, you will be redirected to the site's secure environment, which meets the strictest security standards (PCI DSS).
During checkout, you will provide 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 received on your mobile phone to authenticate and confirm your purchase.
– This confidential 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 to combat fraud consists of strongly authenticating the cardholder, particularly 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 the strong authentication of a payment cardholder during an online purchase.
The buyer must enter a one-time authentication code, most often received via SMS on their mobile phone, to validate the payment for 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 any code.
Products are payable in full on the day of the actual order or in 3 or 4 installments at no extra cost.
Payment for purchases can be made via:
Credit card, VISA, Mastercard, Amex
The customer accesses a dedicated space provided by a banking institution (Payplug), which guarantees the security and recording of the payment order.
Payment in 3 installments with Klarna
Installment/deferred payment is available through our partners Klarna (3 installments) or Paypal (4 installments).
Purchase amount
Payment in 3 or 4 installments: Only purchases between €150 and €1200 are eligible for payment with Klarna or Paypal 4x.
Costs
When paying in installments with Klarna, the Customer does not pay any fees.
Payment of your order in 3 installments by Credit Card starting from €10 up to €1200 with Klarna Bank.
Our partner Klarna Bank offers a financing solution called "Flexible Payment", which allows you to pay for your purchases from €10 to €1200 in 3 installments with your credit card.
Conditions:
This offer is reserved for individuals (natural persons of legal age) residing in France, Belgium, Germany, Portugal, the United Kingdom, Austria, the Netherlands, Switzerland, Spain, Italy and who hold a Visa or MasterCard bank card with an expiration date beyond the duration of the chosen financing. Cards with systematic authorization, in particular Electron, Maestro, Nickel, etc., as well as e-cards, Indigo cards, and American Express are not accepted.
Subscription procedure:
After completing your order, simply click on the "pay with Klarna via credit card" button. You will then be redirected to our partner Klarna's 3x web page, which will show a detailed summary of your order and the personalized financing request, which you must then validate. Enter your personal details or, if you have a Klarna account, sign in using the login credentials associated with your Klarna account. Please read the general terms and conditions for the installment payment you wish to subscribe to, which are provided to you in PDF format so that you can read, print, and save them before accepting. Next, notify your electronic acceptance via the corresponding checkbox. You acknowledge that the "double click" associated with the checkbox confirming you have read the general terms and conditions serves as consent to enter into a contract and constitutes an irrevocable and unconditional acceptance of the product's general terms and conditions. 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 relating to your order will be transmitted to Klarna Bank, which will use it to analyze your request for the purpose of granting, managing, and recovering the credit. Klarna Bank reserves the right to accept or refuse your request for financing in 3 installments. You have a 14-day withdrawal period to cancel your credit.
Operation:
Payment in 3 installments by credit card allows you to pay for your order placed on our e-commerce site in the following way:
A mandatory down payment, charged on the day of your order shipment confirmation; two or three monthly installments, each corresponding to a third or a quarter of the order, collected 30 and 60 days later for the 3-installment plan and 30, 60, and 90 days later for the 4-installment plan, which include fees corresponding to 0% of the total order amount for a 3-installment plan and 0% for a 4-installment plan.
For payment in 3 interest-free installments: the financing cost is 0% of the total order amount.
Example for a purchase of €150, a down payment of €50, then 2 monthly installments of €50, credit with a duration of 2 months at a fixed APR of 0%.
Financing cost: €0.
For payment in 4 interest-free installments: the financing cost is 0% of the total order amount.
Example for a purchase of €400, a down payment of €100, followed by 3 monthly installments of €100. Credit with a duration of 3 months at a fixed APR of 0%.
Financing cost: €0.
Registered Office KLARNA
Sveavägen 46, SE-111 34 Stockholm, Sweden
Klarna Bank AB (publ) is a Swedish company registered with the Swedish Companies Registration Office. 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 number 28033.
Phone number: 01 79 35 53 80 (charges may apply depending on the conditions and services offered by your telephone provider).
4. The data recorded and stored 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 private customer has a right of withdrawal, which they can exercise without giving a reason, within fourteen (14) working days from the delivery of the order. This is exercised by returning, at their own expense for accessories, new products (never used, in their original packaging) or for free for a bag (see our free return policy) after having obtained a return authorization number from the company AND JOY.
The company AND JOY will reimburse the customer for any sums already paid, minus any shipping costs, under the conditions set out in article 7 below.
