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GENERAL TERMS AND CONDITIONS OF SALE ONEY x PAYPLUG
Payment of your order in 3 or 4 instalments 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 financing solution is customized to each customer's order and allows the customer to pay for products and/or services from €100 to €3,000 in three or four installments by credit card.
This financing can be offered to the customer with or without fees, according to the choice specified by the partner in the 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 chosen financing. Systematic authorization cards 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 "3x 4x Oney payment by credit card" button.
You will then be redirected to our partner's 3x 4x Oney web page, where you will find a detailed summary of your order and a 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 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 checking the corresponding box.
You acknowledge that the "double click" associated with the check box on the acknowledgement of the general conditions is equivalent to consent to contract and constitutes an irrevocable and unreserved acceptance 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 withdraw from your credit.
How does it work ? The payment in 3 or 4 times by credit card allows you to pay the order made on our website in the following way:
- a mandatory deposit, debited on the day of the confirmation of the shipment of your order;
- two or three monthly payments, each corresponding to one third or one quarter of the order, debited 30 and 60 days after for the 3 times and 30, 60 and 90 days after for the 4 times, which include, in case of 3x 4x with fees, fees corresponding to 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 case of financing without fees proposed by the Partner, no additional fee to the amount of the purchase will be charged.
In order to better understand how 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€.
Credit for a period of 2 months at a fixed APR of 19.31%. Cost of financing: 2.18€ up to a maximum of 15€.
Example for payment in 4 instalments: For a purchase of 400€, contribution of 108,80€ then 3 monthly payments of 100€.
Credit over 3 months at a fixed APR of 19.61%. Cost of financing: 8.80€ with 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€, 50€ contribution then 2 monthly payments of 50€.
Credit over 2 months 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€.
Credit over 3 months at a fixed APR of 0%. Cost of financing 0€.
Oney Bank - SA with a capital of 51 286 585 € - Head office : 34 avenue de Flandre 59170 CROIX - RCS Lille Métropole 546 380
197 - Orias n°: 07 023 261 - www.orias.fr - Correspondence: CS 60006 - 59 895 Lille Cedex 9 - www.oney.fr