We accept payments via American Express, Visa, CB, Visa Electron, MasterCard, Amex, Klarna pay in 3 installments at no extra cost, Bancontact, Paypal and Paypal in 4 installments at no extra cost and Gift Card.
For more information on payments please visit our 3 partners: www.payplug.com or paypal.com or www.klarna.com
If paying by Carte Bleue, your payment will be charged on the day of the order. A confirmation will be sent to you via email.
If, however, we are unable to ship your order in its entirety, the value of the unshipped items will be refunded to you via the same payment method used for the purchase.
All prices include all taxes and are shown excluding shipping costs. The total amount of your order consists of the price of your items plus the delivery charges.
As soon as you select the payment method you wish to use for your purchases, you are redirected to the site's secure environment which meets the strictest security standards (PCI DSS).
When making your payment, you enter your card number, expiration date, and the security code on the back of your card.
– You will then be prompted to use the 3D Secure authentication module. You will simply need to enter a code received on your mobile phone to authenticate your purchase and thus validate it.
– 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 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. It is also not stored on our computer systems.
One of the solutions to fight against fraud consists of strongly authenticating the cardholder, particularly for the riskiest transactions, as permitted by 3D-Secure, the most widely used mechanism today in France and abroad.
3D-Secure is a system allowing for enhanced authentication of a payment cardholder during an online purchase.
The buyer must enter a one-time authentication code, usually received via SMS on your 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 a code.
Products are payable in full on the day the order is placed or via 3-4 interest-free installments.
Payment for purchases is made either by:
Bank card, VISA, Mastercard, Amex
The customer accesses a dedicated space provided by a banking institution (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 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.
Fees
When paying in installments with Klarna, the Customer pays no fees.
Payment for your order in 3 installments by bank 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 bank card.
Conditions:
This offer is reserved for private individuals (of legal age) residing in France, Belgium, Germany, Portugal, UK, Austria, Netherlands, Switzerland, Spain, Italy, and holding a Visa or MasterCard bank card with an expiration date beyond the chosen financing period. Cards with systematic authorization, including Electron, Maestro, Nickel, etc., as well as e-cards, Indigo cards, and American Express are not accepted.
Subscription terms:
After completing your order, simply click on the "pay with Klarna by bank card" button. You are then redirected to our partner's 3-installment Klarna webpage displaying a 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 Klarna account, you identify yourself using the login credentials associated with your Klarna account. You read the general terms and conditions for installment payments that you wish to subscribe to, which are provided in PDF format so you can read, print, and save them before accepting. You then notify your electronic acceptance by checking the corresponding box. You acknowledge that the "double click" associated with the checkbox regarding the acknowledgment of the general terms and conditions constitutes consent to 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 between you and Klarna Bank. If you request a financing solution offered by Klarna Bank, information regarding your order will be transmitted to Klarna Bank, which will use it for the purpose of studying your request for credit granting, management, and collection. Klarna Bank reserves the right to accept or refuse your 3-installment financing request. You have a 14-day withdrawal period to cancel your credit.
How it works:
Payment in 3 installments by bank card allows you to pay for your order made on our merchant site as follows:
A mandatory down payment, charged on the day your order shipment is confirmed; two or three monthly installments, each corresponding to a third or a quarter of the order, debited 30 and 60 days later for the 3 installments and 30, 60 and 90 days later for the 4 installments, which include fees corresponding to 0% of the total order amount for 3 installments and 0% for 4 installments.
For payment in 3 installments at no extra cost: the financing cost is 0% of the total order amount.
Example for a purchase of 150€, 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 installments at no extra cost: the financing cost is 0% of the total order amount.
Example for a purchase of 400€, 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€
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 and Companies Register. The French branch of Klarna Bank AB (publ) is registered in the French Register of Financial Agents (REGAFI) under number 91709 and its Bank code (CIB) is number 28033.
Phone number: 01 79 35 53 80 (fees may be charged depending on the terms 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 made. 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 a period of fourteen (14) clear days from the delivery of the order, which shall be exercised by returning the new products (never used, in their original packaging) at their own expense for accessories, 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 refund the customer any sums already paid, minus any shipping costs, under the conditions referred to in Article 7 below.
