GENERAL TERMS AND CONDITIONS OF SALE ONEY x PAYPLUG
Payment of your order in 3 or 4 times by credit card from €100 up to €3000 with Oney Bank Oney Bank offers its partners' private customers a financing solution called "3x 4x Oney".
This personalized financing for each customer's order allows the consumer to pay for his purchases of products and/or services from 100€ to 3000€ in 3 or 4 times by credit card.
This financing can be offered to the customer with or without fees, according to the choice specified by the partner in its sales process, and under the following terms and conditions: Conditions: This offer is reserved for individuals (natural persons of legal age) residing in France and holding a Visa or MasterCard bank card with a validity date greater than the duration of the financing chosen.
Cards with systematic authorization such as Electron, Maestro, Nickel etc... as well as e-cards, Indigo and American Express cards are not accepted.
How to subscribe: After completing your order, simply click on the "Payment in 3x 4x Oney by credit card" button.
You are then redirected to the 3x 4x Oney web page of our partner, where you will find 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 3x 4x Oney account, you identify yourself using the login details linked to your 3x 4x Oney account.
You will read the general terms and conditions of payment in instalments to which you wish to subscribe, which are provided to you in PDF format so that you can read them, print them and save them before accepting them.
You then notify your electronic acceptance by clicking the corresponding checkbox.
You acknowledge that the "double click" associated with the check box on the acknowledgement of the general conditions are worth consent to contract and constitute an irrevocable acceptance without reserve of the general conditions of the product.
In the absence of proof to the contrary, the data recorded by Oney Bank shall constitute proof of all transactions between you and Oney Bank.
If you apply for a financing solution offered by Oney Bank, the information related to your order will be transmitted to Oney Bank, which will use it to study your application for the granting, management and collection of credit.
Oney Bank reserves the right to accept or refuse your request for 3x 4x Oney financing.
You have a 14-day cooling-off period to cancel your credit.
How it works: The payment in 3 or 4 times by credit card allows you to pay the order made on our merchant site in the following way:
- a mandatory contribution, debited on the day of the confirmation of the shipment of your order;
- two or three monthly payments, each corresponding to a third or a quarter of the order, taken at 30 and 60 days after for the 3 times and at 30, 60 and 90 days after for the 4 times,
which includes, in the case of 3x 4x with fees, a fee of 1.45% of the total amount of the order for a 3 times and 2,2 % for a 4 times (within the limit of 15€ maximum for a 3 times payment and 30€ maximum for a 4 times).
In the case of no-cost financing offered by the Partner, you will not be charged any additional fees to the purchase amount.
In order to better understand how the 3x 4x Oney by credit card works
Here are some examples:
- Examples of 3x 4x Oney by credit card, with fees, from 100€ of purchase and up to 3000€:
Example for the payment in 3 times: For a purchase of 150€, contribution of 52,18€ then 2 monthly payments of 50€.
2 month loan with a fixed APR of 19.31%. Cost of financing: 2,18€ with a maximum of 15€.
Example for the payment in 4 times: For a purchase of 400€, contribution of 108,80€ then 3 monthly payments of 100€.
3-month loan at a fixed APR of 19.61%. Cost of financing: 8.80€ up to a maximum of 30€.
- Examples of 3x 4x Oney by credit card, free of charge, from 100€ of purchase and up to 3000€:
Example for the payment in 3 times: For a purchase of 150€, contribution of 50€ then 2 monthly payments of 50€.
2-month loan at a fixed APR of 0%. Cost of financing 0€.
Example for the payment in 4 times: For a purchase of 400€, contribution of 100€ then 3 monthly payments of 100€.
3-month loan with a fixed APR of 0%. Cost of financing 0€.
Oney Bank - SA with a capital of 51 286 585 € - Registered office: 34 avenue de Flandre 59170 CROIX - RCS Lille Métropole 546 380 197 - n° Orias : 07 023 261 - www.orias.fr - Correspondence : CS 60006 - 59 895 Lille Cedex 9 - www.oney.fr