For all orders over €50 and up to €2000
"Payment in installments" is a payment facility granted by the Seller to the Customer allowing the payment of the order to be spread over 2, 3 or 4 instalments. These payment facilities do not fall within the scope of consumer credit regulations (see art. L312-4 of the Consumer Code).
Access to the payment facility is reserved for individuals (adult natural persons) and professionals (legal persons) residing in an Accepted Country.
These people must hold a bank card such as Visa, Mastercard, American Express or Bank Cards issued in an Accepted Country, or a bank account held by a bank domiciled in an Accepted Country and a telephone number from the same country as their card or bank account. In the event of payment by card, it must be valid for at least one month after the last due date of the payment facility.
Cards with systematic authorization, credit, prepaid, virtual or in a country not belonging to the list of Accepted Countries are not accepted.
Access to the payment facility service is subject to the decision of the Service Provider, who may refuse access to the Client, in particular in the event of suspicion of fraud or risk of non-payment.
The Service Provider is likely to request more information from the Client, in order to authorize his access to a payment facility. This request may concern the Customer's identity document or a request for access to the Customer's bank account.
The Customer undertakes that the Service Provider may deduct from its means of payment the sums due on the dates provided for in the receipt of payment.
The Customer agrees that the claim that the Seller will have against him may be assigned to a third party.
The Customer materializes his request for access to the payment facility by clicking on the button "Pay in 2 instalments", "Pay in 3 instalments" or "Pay in 4 instalments" . If necessary, the Customer may be asked to affix his signature.
The Seller materializes his agreement for this payment facility by the message "Payment accepted" or "Accepted". The Customer's order is then validated and the payment facility takes effect immediately.
Cancellation of the order
The individual Customer has a withdrawal period for his order with the Seller as specified in the Seller's General Conditions of Sale. In the event of exercise of this right with the Seller and cancellation of the purchase, the payment facility will then be canceled and all sums already paid to the Seller by the Customer will be reimbursed to him.
Withdrawal of the payment facility
The individual Customer has a period of 14 calendar days from the date of the order to waive the payment facility granted by the Seller and decide to pay cash, by contacting the Service Provider directly at email@example.com .
In the event of a withdrawal, any costs paid by the Customer are reimbursed by the Seller (excluding the cost of returning the order). If he meets the conditions for applying for withdrawal described in article L121-16-1 of the Commercial Code, the Professional Client also benefits from a right of withdrawal for a period of fourteen calendar days, according to the same terms as for a particular Client.CANCELATION
If all or part of the order is canceled in accordance with the Seller's general conditions, the amount of the payment facility will be revised accordingly in order to be aligned with the new amount due. If necessary (for example in the event of total cancellation of the order), the Seller will reimburse the Customer for the overpayments.
In the event of non-payment by the Customer on the correct date of an amount due, the Seller may terminate the payment facility offer made and demand immediate payment of the entire amount remaining due.
Similarly, the Seller may terminate the offer in the event of a false declaration by the Customer (personal information, bank details). Immediate payment of the full amount remaining due may then be required.
In the event of bank fraud, organized fraud or proven failure to pay, the Service Provider may take the following actions:
- advance debit of funds on all cards or means of payment connected to the Customer;
- freezing of the Client's funds in order to proceed with the recovery of his default;
- freezing of the Client's funds in order to allow additional investigations;
- request for cancellation of the sale from the Seller.
Funds, bank cards or any other means of payment are deemed to be 'connected' to a Client when the Service Provider has sufficient elements corroborating a link. With the aim of proving its good faith, the Service Provider will endeavor to document all the elements that allowed these connections, in particular in order to be able to produce them in court.
The freezing of funds is likely to be applied for a period of up to 180 days (in particular in the event of the use of falsified documents) in order to allow the Service Provider's teams to carry out the investigations necessary to establish the facts. . At the end of this period, the funds will be reimbursed to the Client free of charge or retained in order to cover a default by the Client.
In order to facilitate and streamline exchanges, the Seller delegates all of the management of the payment facility (control, acceptance, direct debits, reimbursement, recovery) to the Service Provider. The latter uses dematerialized communication media.
However, the Customer may receive these general conditions and special conditions on paper if he requests them from the Service Provider.
The Seller, the Customer and the Service Provider agree that the data, files, recordings or any operation received or stored on any computer medium of the Seller or the Service Provider, as well as any exchange between the Customer and the Seller or the Service Provider carried out electronically or any other dematerialized means constitute proof of the payment facility granted.
The Client acknowledges that clicking on the "Pay in 3 instalments" button or affixing his signature on the Service Provider's interface constitutes full and complete commitment on his part.
In the event of a characterized late payment by the Customer, defined as a delay of more than 15 days on a due date, the Service Provider reserves the right to apply late payment penalties of an amount at most equal to 8% of the sums remaining due. .
In the event that the Customer is a company, the minimum amount of the penalty is €40 (lump sum compensation for recovery costs).
Note: Alma will do its utmost to proceed with an amicable resolution of payment defaults without application of these penalties, provided that the Customer cooperates fully within the framework of the procedure for resolving the unpaid.
For any question relating to these conditions, or in the event of a complaint, the Customer may contact the Service Provider at the address firstname.lastname@example.org . The Service Provider undertakes to provide an answer within 48 hours.
DATA COLLECTION AND PROCESSING
See our Privacy and Data Management Policy .
Special conditions for Pôdevache customers
By paying in installments with Alma at the Pôdevache merchant, the customer pays no fees.