Payment policy
Our payment system is encrypted, which ensures the absolute security of all your purchase transactions
The data of your credit cards will not be processed or stored by Margay, nor passed on to third parties.
Margay reserves the right to change these terms of payment at any time. Customers will be notified of such changes on our website. If you have any questions or comments regarding the terms of payment, please contact us at any time.
MARGAY offers you a variety of payment options.
After you have added your desired product to the shopping cart and confirmed our "Terms & Conditions", you can click on the button "Checkout" to choose your payment options or proceed express purchase with Paypal or GPay clicking on the button "PayPal" or "GPay".
If you have clicked the button "Pay with PayPal" or "Pay with GPal", you will automatically be redirected to the payment page of provider. In general, you must be registered there or register first, legitimize with your access data and confirm the payment instruction to us (exception, if applicable, guest access). You will receive further information during the ordering process.
In the "Proceed to Checkout" option on the shopping cart page. You may pay using:
(1). Credit card Visa, MasterCard, Maestro or American Express
(2). Paypal
You pay the invoice amount via the online provider PayPal. If you have clicked the button "Pay with PayPal", you will automatically be redirected to the payment page of PayPal. In general, you must be registered there or register first, legitimize with your access data and confirm the payment instruction to us (exception, if applicable, guest access). You will receive further information during the ordering process.
(3). Klarna
In cooperation with Klarna we offer you the following payment methods:
(3.1). Klarna Pay Later
This option is available to customers in Austria, Finland, Germany, Netherlands, United Kingdom, Denmark, Norway, and Sweden.
From the invoice date, you usually have 30 days to settle your invoice. You only pay when you have received the goods. You shop relaxed, complete your order and check the products in peace at home.
The invoice will be sent either by e-mail, separately by post or together with the goods. You can view all your invoices at any time in the Klarna app https://www.klarna.com/de/klarna-app/
Information in German: https://www.klarna.com/de/kundenservice/wie-funktioniert-der-kauf-auf-rechnung-mit-klarna/
(3.2). Sofort bank transfer with Klarna Payments
This option is available to customers in Austria, Belgium, Germany, Italy, Netherlands, and Spain.
No need to enter long card numbers or to open an account. You can easily complete your order with your online banking data. The information is transmitted encrypted to your bank. Then you have to enter your TAN for confirmation. Immediately afterwards you will receive a transaction confirmation and your order can be processed directly.
Info in German: https://www.klarna.com/sofort/
(3.3). Klarna – Flexible payments
(3.3.1). Pay in 30 days
Same like (3.1). Klarna Pay Later
Information in German: https://www.klarna.com/de/kundenservice/wie-funktioniert-der-kauf-auf-rechnung-mit-klarna/
(3.3.2) Pay over time
With the Klarna installment purchase you can divide the cost of your purchase up to 36 months and pay in 3 or 6 instalments. The effective borrowing rate for purchases is currently between 0 and 14.99 % (12.01.2023).
After a credit check you will receive an approval decision directly. As soon as we ship the order, you will receive an email from Klarna with your payment plan.
With the Klarna app you always have your payment plan and the next payments in view. https://www.klarna.com/de/klarna-app/
Information in German:
https://www.klarna.com/de/kundenservice/wie-funktioniert-der-ratenkauf-mit-klarna/
https://cdn.klarna.com/1.0/shared/content/legal/terms/0/de_de/paylaterin3
(3.3.3). Pay now
A). Direct debit: Pay securely with your bank account. The debit will be automatically made to your account a few days later.
B). Direct Bank Transfer: Use your regular online banking credentials
Information in German: https://www.klarna.com/de/kundenservice/wie-funktioniert-sofort-bezahlen-mit-klarna/
Helpful information regarding Klarna:
In order to be able to offer you Klarna’s payment options, we will pass to Klarna certain aspects of your personal information, such as contact and order details, in order for Klarna to assess whether you qualify for their payment options and to tailor the payment options for you. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna’s privacy policy. https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/privacy/
Please feel free to contact Klarna directly. Please note, however, that Klarna does not forward the correspondence to us.
Klarna Customer Service Phone: +49 (0) 911 477 577 10
Klarna Customer Service Online: https://www.klarna.com/de/kundenservice/