GENERAL CONDITIONS OF SALE ONEY x PAYPLUG

Payment for your order in 3 or 4 installments by Bank Card from 100€ of purchases up to 3000€ with Oney Bank

Oney Bank offers the individual customers of its partners a financing solution called “3x 4x Oney”. This personalized financing for each customer order allows the consumer to pay for their purchases of products and/or provision of services from €100 to €3,000 in 3 or 4 installments by bank card.

This financing can be offered to the customer with or without fees, depending on the choice specified by the partner in their sales process, and under the following conditions and terms:

Conditions: This offer is reserved for individuals (individuals of legal age) residing in France and holders of a Visa and MasterCard bank card with a validity date greater than the chosen financing duration. Cards with systematic authorization, notably such as Electron, Maestro, Nickel, etc., as well as e-cards, Indigo and American Express cards are not accepted.

Subscription terms: After completing your order, simply click on the “payment button in 3x 4x Oney by credit card”.
You are then redirected to our partner's 3x 4x Oney web page displaying the 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 connection details linked to your 3x 4x Oney account. You read the general conditions of payment in installments 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 using the corresponding check box.
You acknowledge that the “double click” associated with the check box on reading 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 purposes of studying your request for the granting, management and credit recovery.
Oney Bank reserves the right to accept or refuse your financing request in 3x 4x Oney. You have a withdrawal period of 14 days to waive your credit.

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 deposit, debited on the day of confirmation of shipment of your order;
- two or three monthly payments, each corresponding to a third or a quarter of the order, taken 30 and 60 days later for 3 times and 30, 60 and 90 days later for 4 times, which include, in the case of 3 times 4x with fees, fees corresponding to 1.45% of the total amount of the order for a 3 installment and 2.2% for a 4 installment (within the limit of 15€ maximum for payment in 3 installments and 30€ maximum for 4 times). In the case of free financing offered by the Partner, no additional costs to the purchase amount will be charged to you.

To better understand how the 3x 4x Oney bank card works, 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.

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 installments: 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 up to a maximum of €30.

Examples of 3x 4x Oney by bank card, free of charge, from 100€ of purchase and up to 3000€: Example for payment in 3 installments: For a purchase of 150€, contribution of 50€ then 2 monthly payments of 50 €.

Credit over 2 months at a fixed APR of 0%. Financing cost €0.

Example for payment in 4 installments: For a purchase of €400, contribution of €100 then 3 monthly payments 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 n°: 07 023 261 - www.orias.fr - Correspondence: CS 60006 - 59 895 Lille Cedex 9 - www.oney.fr


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