We offer payment by credit card, Paypal, Apple Pay, Amex and Alma in 2 to 4 installments.
To date, Alma is available in several European countries:
- France
- Spain
- Belgium
- Germany
- Italy
- Ireland
- Austria
- Luxembourg
- The Netherlands
- Portugal
We offer payment in installments for customers with a bank card and mobile number from these European countries.
After verification, you will need to take a photo or video of yourself using your device's camera (computer/phone), and present your ID.
In order for the ID to be validated, we recommend that you take the photo (or video) near a light source and on a stable surface.
Payment in 2x with Alma
Fees covered: 3.58% per transaction (81%)
Customer fees: 0.85% per transaction (19%)
Payment in 3x with Alma
Fees covered: 2.73% per transaction (62%)
Customer fees: 1.69% per transaction (38%)
and from 4500 euros to 5000 euros:
Fees covered: 3.36% per transaction (74%)
Customer fees: 1.16% per transaction (26%)
Payment in 4x with Alma
Fees covered: 2.6% per transaction (51%)
Customer fees: 2.52% per transaction (49%)
and from 4000 euros to 5000 euros:
Fees covered: 3.53% per transaction (67%)
Customer fees: 1.74% per transaction (33%)
Alma General Conditions:
DEFINITIONS
The words beginning with a capital letter in the general conditions and the specific conditions have the following definitions:
Seller: Any legal entity selling goods or services.
Service provider: Alma SAS, with capital of €236,426.33, whose registered office is at 176 avenue Charles de Gaulle, 92200 Neuilly-sur-Seine, registered in the Nanterre Trade and Companies Register under number 839 100 575.
Customer: an adult natural person or legal entity paying for their purchases from the Seller via the Service Provider’s payment service.
Accepted Countries: list of countries from which the Customer's means of payment must originate. Unless otherwise stated in the Special Conditions, this only applies to France.
OBJECT
"Payment in several installments" or "Deferred payment" are payment facilities granted by the Seller to the Customer allowing the payment of the order to be spread over several installments or to be postponed to a date after the order (2 times, 3 times, D+15 or D+30 depending on the Seller's choice). These payment facilities do not fall within the scope of the regulations on consumer credit (see art. L311-3 of the Consumer Code).
The Service Provider provides technical support to the Seller and the Customer for the implementation and management of these payment facilities.
TERMS
Access to the payment facility is reserved for individuals (adult natural persons) and professionals (legal entities) residing in an Accepted Country.
These persons must hold a Visa, Mastercard, American Express or Cartes Bancaires bank card issued in an Accepted Country, or a bank account held by a bank domiciled in an Accepted Country and a telephone number in 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 final 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, particularly in the event of suspected fraud or risk of non-payment.
The Service Provider may request further information from the Customer in order to authorize 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 Client undertakes that the Service Provider may collect the amounts due from its means of payment on the dates specified in the payment receipt.
The Customer agrees that the claim that the Seller has against him may be assigned to a third party.
EFFECTIVE DATE
The Customer materializes his request for access to the payment facility by clicking on the “Pay in installments” (or “Pay in 2 installments”, “Pay in 3 installments”) or “Pay later” (or “Pay in 15 days” or “Pay in 30 days”) button of the Service Provider. Where applicable, the Customer may be asked to affix his signature.
The Seller materializes his agreement to this payment facility by the message “Payment accepted” or “Accepted”. The Customer’s order is then validated and the payment facility takes effect immediately.
BROWSER
If the payment page does not work or displays an error message, please try another browser such as Google Chrome.
It is also possible that your browser is blocking pop-ups, in which case disable it in your settings.
WITHDRAWAL
Withdrawal of the order
The Private 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 exercising this right with the Seller and cancellation of the purchase, the payment facility will then be cancelled and all sums already paid to the Seller by the Customer will be refunded.
Withdrawal of payment facility
The Private Customer has a period of 14 calendar days from the order date to waive the payment facility granted by the Seller and decide to pay in cash, by contacting the Service Provider directly at support@getalma.eu.
In the event of a withdrawal, any costs paid by the Customer will be reimbursed by the Seller (excluding the costs of returning the order). If the Customer meets the conditions for applications for withdrawal described in Article L121-16-1 of the French Commercial Code, the professional Customer also benefits from a right of withdrawal for a period of fourteen calendar days, under the same terms as for a private Customer.
CANCELATION
If all or part of the order is cancelled 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.
Where applicable (for example in the event of total cancellation of the order), the Seller will reimburse the Customer for any overpayments.
TERMINATION
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, banking data). Immediate payment of the entire 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:
early debit of funds from all cards or means of payment connected to the Client;
freezing of the Client's funds in order to recover the default;
freezing of Client funds to allow for further 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 evidence to corroborate a link. In order to prove its good faith, the Service Provider will endeavor to document all the evidence that enabled these connections, in particular in order to be able to produce them in court.
The freezing of funds may 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.
RELATIONS
In order to facilitate and streamline exchanges, the Seller delegates the entire management of the payment facility (control, acceptance, direct debits, reimbursement, recovery) to the Service Provider. The latter uses dematerialized communication media.
The Client may, however, receive these general conditions and specific conditions on paper if he requests this from the Service Provider.
EVIDENCE
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 by any other dematerialized means constitute proof of the payment facility granted.
The Customer acknowledges that clicking on the “Pay in installments” or “Pay later” button, or affixing his signature on the Service Provider’s interface, constitutes a full and complete commitment on his part.
LATE PAYMENT PENALTIES
In the event of a clear delay in 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 no greater than 8% of the amounts remaining due.
In the event that the Customer is a company, the minimum amount of the penalty is €40 (fixed indemnity to compensate for recovery costs).
Please note: Alma will do everything possible to resolve payment defaults amicably without applying these penalties, provided that the Customer cooperates fully in the process of resolving the non-payment.
INFORMATION, COMPLAINTS
For any questions relating to these conditions, or in the event of a complaint, the Customer may contact the Service Provider at support@getalma.eu. The Service Provider undertakes to provide a response within 48 hours.
COLLECTION AND PROCESSING OF DATA
See our Privacy and Data Management Policy.
SPECIAL CONDITIONS FOR BLUSH CUSTOMERS
AMOUNT OF PURCHASES
Only purchases between €200 and €5,000 are eligible for payment in installments with Alma at the Blush merchant.
CUSTOMER CHARGES
In the event of a return and request for reimbursement, Alma will still charge the costs which will this time be the full responsibility of the buyer.
ACCEPTED COUNTRIES
France
Payment in 4X without fees with PayPal
Benefit from the ease of payment in 4x without fees with Paypal without any minimum purchase.
To do this, select PayPal when making your payment. The PayPal website page will be displayed and you will be offered the option to pay in 4 installments.
Once your request is validated, you can finalize your payment.
If you don't have a PayPal account yet, simply create one to benefit from the 4 times interest-free payment.
