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Payment
GENERAL TERMS AND CONDITIONS OF SALE ONEY x PAYPLUG
Payment for your order in 3 or 4 installments by credit card from €100 of purchases up to €3,000 with Oney Bank
Oney Bank offers its partners' individual customers a financing solution called "3x 4x Oney." This financing, personalized for each customer's order, allows consumers to pay for their purchases of products and/or services from €100 to €3,000 in 3 or 4 installments by credit card.
This financing can be offered to the customer with or without fees, depending on the choice specified by the partner in its sales process, and under the following conditions and terms:
Conditions: This offer is reserved for individuals (adult individuals) residing in France and holding a Visa or MasterCard bank card with an expiration date longer than the chosen financing period. Systematic authorization cards, in particular Electron, Maestro, Nickel, etc., as well as e-cards, Indigo cards, and American Express cards, are not accepted.
Subscription terms: After completing your order, simply click on the “3x 4x Oney payment by bank card” button.
You are then redirected to our partner's 3x 4x Oney website, 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 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 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 them.
You then notify your electronic acceptance by ticking the corresponding box.
You acknowledge that the “double click” associated with the checkbox on the acknowledgement of the general conditions constitutes consent to contract and constitutes irrevocable and unreserved acceptance of the general conditions of the product.
Unless proven otherwise, the data recorded by Oney Bank constitutes proof of all transactions between you and Oney Bank.
If you request to benefit from a financing solution offered by Oney Bank, the information relating to your order will be transmitted to Oney Bank, which will use it for the purpose of studying your request for the granting, management and recovery of credit.
Oney Bank reserves the right to accept or reject your request for 3x 4x Oney financing. You have a 14-day cooling-off period to cancel your loan.
How it works: Payment in 3 or 4 installments by credit card allows you to pay for the order placed on our merchant site as follows:
- a mandatory contribution, debited on the day your order is shipped;
- two or three monthly payments, each corresponding to a third or a quarter of the order, collected 30 and 60 days later for the 3 times and 30, 60 and 90 days later for the 4 times, which include, in the 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 payment in 3 times and €30 maximum for a 4 times). In the case of financing without fees offered by the Partner, no additional fees to the amount of the purchase will be charged.
To better understand how 3x 4x Oney works by bank card, here are some examples:
• Examples of 3x 4x Oney by bank card, with fees, from 100€ of purchase and up to 3000€: Example for payment in 3 installments: 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%. Financing cost: €2.18 up to a maximum of €15.
Example for payment in 4 installments: For a purchase of €400, deposit 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 up to a maximum of €30.
• Examples of 3x 4x Oney by bank card, free of charge, from €100 of purchase and up to €3,000: Example for payment in 3 installments: For a purchase of €150, deposit of €50 then 2 monthly payments of €50.
2-month loan with a fixed APR of 0%. Financing cost €0.
Example for payment in 4 installments: For a purchase of €400, deposit of €100 then 3 monthly installments of €100. Credit over 3 months at a fixed APR of 0%. Financing cost €0.
Oney Bank - SA with capital of €51,286,585 - Head office: 34 avenue de Flandre 59170 CROIX - RCS Lille Métropole 546 380 197 - Orias no.: 07 023 261 - www.orias.fr - Correspondence: CS 60006 - 59 895 Lille Cedex 9 - www.oney.fr
