Maksetingimused

Makseviisid

Kaardid

Aktsepteeritavad krediit- või deebetkaardid on: Visa, Mastercard, CB, American Express, Discover, JCB ja Diners Club turvalise makseplatvormi Stripe kaudu. NegoLuz kasutab SEC-i (turvaline elektrooniline kaubandus), mis võimaldab tagada ostu-müügitehingu Internetis. See süsteem võimaldab meil tagada teie ostude kõrge turvalisuse.

PSD2 määrus: turvakaalutlustel võib teie pank vastavalt seadusele ostu lõpuleviimiseks paluda teil end autentida erinevatel viisidel (SMS-i, telefoni rakenduses oleva teate või muu kaudu). Kahtluse korral konsulteerige oma pangaga.

Meie makselüüsi on auditeerinud sertifitseeritud PCI audiitor ja 1. taseme PCI teenusepakkujad. See on maksetööstuses saadaolevate sertifikaatide rangeim tase. Selleks kasutab Stripe parimaid turvatööriistu ja -tavasid, et säilitada kõrget turbetaset.

Lisaks on alates 1. jaanuarist 2021 muutunud Euroopa määrused, et muuta krediit- või deebetkaardiga veebimaksed veelgi turvalisemaks. Kui sooritate veebipõhise ostu kaardimaksega, võib teie pank paluda teil 3-D Secure autentimise abil oma isikut kinnitada. Interneti-maksete autentimiseks on mitu võimalust ja teil võidakse paluda oma isikut kinnitada SMS-i, e-posti või TouchID kaudu. 3-D Secure autentimine vähendab pettusi võrgus, sealhulgas identiteedivargust ja volitamata kaardikasutust, kaitseb kaardiomanike andmeid ja vähendab pettuskatseid. Kui teil palutakse 3-D Secure autentimiseks kasutada SMS-i või e-posti, soovitame võtta ühendust oma pangaga, et tagada teie õigete andmete olemasolu.

Teie krediit- või deebetkaardi number pole meile kättesaadav. Pärast ostu sooritamist näeme ainult teie arveldusteavet, tarneteavet, tellimuse üksikasju ja seega teie maksekaardi 4 viimast numbrit.

Kui soovite raha tagasi, saate seda teha meiega ühendust võttes. Teil on pärast tellimuse esitamist aega selleks 24 tundi. Tagasimakse teie kontole naasmiseks kulub 5–7 tööpäeva.

Makse tuleb täielikult tasuda enne saatmist.

Pangaülekanne

Samuti aktsepteerime tasuta pangaülekandega makseid. Valige lihtsalt tellimust kinnitades see valik, saate kontonumbri ja pangainfo e-posti teel.

SEPA – Direct Bank Transfer within the European Union

A SEPA transfer or – Direct Transfer – is the sending of a payment order from the payer’s entity to the beneficiary’s bank as long as it meets a series of requirements.

SEPA transfers are transfers in euros between bank accounts belonging to one of the 36 countries in the SEPA area (single euro payments area). This is the typical transfer you use to send money to any European bank or entity. Typically, your bank will allow you to make SEPA transfers for free.

Simply enter the International Account Number (IBAN) of your bank account instead of loading a credit or debit card for payment.
There is no amount limit but they must be in euros and their destination is any country in the SEPA zone.
The maximum payment time will be 3 working days.
The customer must provide complete data of the originating and destination accounts, i.e. BIC and IBAN.
Depending on your bank, it may charge you a fee for the service (but these fees will never be billed by NegoLuz).
The beneficiary receives the full amount of the transfer, then independently his entity will invoice him for the cost of the service for its receipt.
With payment by SEPA transfer, you can connect with your bank account directly from the NegoLuz website (on the payment methods page) and make a payment by transfer (without needing to record any data).

Payment with Klarna in installments

With Klarna you can purchase on NegoLuz and split the payment for the purchase into several interest-free installments.

At the time of payment
It’s as easy as any other online card purchase. Select the option to pay by Klarna in 3 or 4 installments or 30 days without interest and enter your debit or credit card details. You will only need to enter them when you make your first purchase from Klarna. Subject to approval by Klarna. The minimum and maximum purchase amount varies depending on the company.

When the order is shipped
Once we have confirmed the delivery of the order, Klarna will charge you the amount of the first installment if you choose to pay in 3 or 4 installments. Or 30 days if applicable. And Klarna will send you a message when the payment has been processed.

Google Pay

Use your Google account to pay for your purchase on NegoLuz. This payment method is only available for Android phones. You must have previously registered your bank card in the Google Pay application. The use of the service and the payment limit amount are determined by your bank.

SOFORT

• SOFORT is a way of payment which is based on the principle of a classic bank transfer, except that in this case the consumer only has to confirm the payment.
• SOFORT is only available for certain banks in Germany, Austria, Belgium, Slovakia, Spain, Italy, the Netherlands and Switzerland. If your bank is not compatible, we will inform you when creating your transfer.
• In the payment method step, choose the option to pay with SOFORT
• We will redirect you to the SOFORT website, where you can enter the necessary bank details and confirm the payment securely from your bank account. Please ensure you have sufficient funds in your bank account before confirming payment.
• SOFORT withdraws the money from your bank account securely, in order to settle your transfer.

Link

Link saves and autofills payment and shipping information for customers so they don’t need to enter payment details manually. Customers can use different funding sources with Link, including credit cards, debit cards, and US bank accounts.

With Link, save your payment information, and we’ll autofill your saved card details, addresses, and phone numbers for all future purchases on Link-enabled sites. You’ll get a chance to review your order before clicking to confirm your purchase.

You will receive a payment confirmation on your screen. Done!

Bancontact

Shop from your couch at any time of the day and pay fast and secure with Bancontact. It’s possible to pay with your card or with your smartphone in an ever-increasing number of web shops.

• Confirm the contents of your shopping cart in the webshop and choose Bancontact as the payment method.
• The Payconiq by Bancontact app will open automatically.
• Check the amount, confirm your payment and you’re done! Easy as a beep.

Giropay

Giropay is the most widely used online payment system in Germany among German banks and savings banks.

To use the Giropay online payment method, you must have an account with a German bank or savings bank. Giropay is directly linked to your current account. It is a fast and secure payment method that allows you to pay with your online banking application.

1. Select Giropay as your preferred payment method at checkout
2. Choose your bank for payment
3. Log in to your online banking environment to confirm the transaction
4. You receive payment confirmation

iDeal

The iDEAL payment method is available for payments in EUR for bank accounts in the Netherlands. It’s a simple and convenient way to pay for your transfer on the website and mobile application.

Simply select iDeal from the payment list during the final step of your transfer, then click Confirm.

You will be redirected to the iDeal website to enter the necessary information. Once the payment is processed, you will be redirected to NegoLuz.

EPS

EPS (Electronic Payment Standard) is an online transfer system developed jointly by the Austrian banks and Government. It provides a simple and secure process of online payments to millions of users in Austria. EPS lets your customers pay for their orders using their online banking accounts.

When customers choose EPS at checkout, they’re redirected to the EPS website to review a list of participating banks. They select their bank and enter their banking login details. After the payment is confirmed, the amount due is sent to Merchant from customer’s bank.

Przelewy24

Przelewy24 is a Poland-based payment method aggregator that allows customers to transact online using bank transfers and other methods. Przelewy24 offers its customers the opportunity to pay in more than 165 banks. Przelewy24 redirects customers to your website to authenticate a payment and an immediate notification is sent on payment success or failure.

Przelewy24 redirects customers to their website to authenticate a payment and there is immediate notification about the success or failure of a payment.

1. The customer picks a product and selects the payment method at the cart level.
2. On the Przelewy24 payment wall, the customer selects his bank from the list of banks.
3. After redirection, the customer logs in to online banking and approves the automatically completed transfer form.
4. Done! The transfer is completed, the funds are transferred to the merchant, and the customer returns to the store’s website.

Blik

You can buy with BLIK in almost all online stores in Poland. BLIK payments are convenient and secure: enter the BLIK code and confirm the transaction with your PIN code in the banking application. You don’t need to log in to online banking, enter SMS passwords or provide your payment card details. All you need is a phone with your bank’s mobile app. You don’t need a payment card or wallet to pay with BLIK. All you need is a phone with internet access and your bank’s app.

What is the BLIK code?

The BLIK code is a unique 6-digit code that you will find in your bank’s application. It is valid for 2 minutes. After this time, you can generate a new one. Use the code to start your payment.

BLIK is a single-use payment method that requires customers to authenticate their payments. When the customer wants to pay online with BLIK, they request a six-digit code from their banking application and enter it in the collection form.

What do you need to pay with BLIK?

1. The banking application, BLIK is available in the applications of 19 banks
2. A phone, any phone that supports your bank’s app
3. Internet access, An Internet connection, e.g. via Wi-Fi or mobile network

Kinnitamaks, et ühendus on turvaline, peaksite nägema https://www…. URL-is. “https” näitab, et see kasutab SSL-i.

Krediit- ja deebetkaardi finantsteavet me ei salvesta ega võta seda tehingu ajal. Selle teabe võtab otse teilt maksevärav, mis on volitatud ja järgib sellega seotud erinevate pankade, asutuste ja maksefrantsiisivõtjate määrusi. Me ei vastuta maksevärava tehtud vigade, teie krediit-/deebetkaardi/pangaandmete väärkasutuse ega mis tahes turvarikkumise eest; sellisel juhul võtke ühendust vastava pangaga.