PAYMENT & SECURE SHOPPING
We are proud to have so many customers from around the world, therefore we place great importance in offering a safe and secure online shopping experience.
We are aware that the privacy of your data is important, therefore we work with professional partners who can use different levels of security measures to protect your data and information from unauthorized access.
WE OFFER THE FOLLOWING PAYMENT METHODS
BANK TRANSFER
With this payment solution you transfer the order amount to our bank account in advance. Once the payment is registered in our account we will ship your order immediately.
Company: RUFF CYCLES GmbH
Bank: HypoVereinsBank
IBAN: DE88 7502 0073 0018 8453 00
BIC: HYVEDEMM447
PAYPAL
What is PayPal?
Credit cards, debit cards, bank accounts. With so many payment methods, it can be a challenge to keep everything straight. Think of PayPal as a digital wallet – one convenient, secure spot to keep all your ways to pay. However, you don’t need a balance in your account to shop. With PayPal, you have the freedom and flexibility to pay the way you want, all while keeping your financial information secure.
CREDIT CARDS VIA PAYPAL
If you rarely use PayPal, you can easily pay with your credit card (Visa / masterCard) without a PayPal account. With every purchase as a guest, PayPal compares your bank and address details with the Schufa, a credit check is not necessary.
INVOICE PAYMENT VIA PAYPAL
Buy today, pay later – but we’re not talking about installment payments here, but about payment on account. Until 2022, ordering something on account was the most popular payment method in German online retail.
As with other financing methods, the option to order on account is subject to certain conditions. As an example, the terms of use for PayPal invoice purchase with Ratepay can be found at the [following link]. However, it is advisable to always compare the offers available on the market.
PAYPAL INSTALLMENT PAYMENTS
You can now make your big dreams come true even more easily with PayPal: Pay flexibly in 3, 6, 12 or 24 installments, whichever suits you best.*
Financial flexibility
You can buy larger purchases very easily and pay in installments over 3, 6, 12 or 24 months, depending on your needs.* Special repayments or early repayments are possible at any time and without a surcharge.
Full control
In the PayPal app, you always have a good overview of your upcoming installment payments and the amounts already paid. You don’t have to worry about anything – and you still have everything under control.
Everything online.
Your application is checked online and in real time – without waiting and without having to go to the post office or bank. You can view and download your installment payment agreement at any time in your PayPal account.
Familiar protection
Even with installment payments, you benefit from PayPal buyer protection if the goods do not arrive or deviate significantly from the description. As usual, complex encryption also ensures that your financial information is protected.
Subject to credit check. Terms of 3, 6, 12 or 24 months. From €99 and up to €5,000 order value with an effective annual interest rate of 9.99% p.a. and a fixed debit interest rate of 9.48% p.a. for 3 months, 9.48% p.a. for 6 months, 9.50% p.a. for 12 months and 9.51% p.a. for 24 months. Representative example according to Section 17 (4) PAngV: Net loan amount €1,000, total amount €1,101.98, 12 monthly installments of €87.67 each, fixed debit interest rate 9.50% p.a., eff. Annual interest rate 9.99% p.a. The lender is PayPal (Europe) S.à r.l. et Cie, S.C.A., 22-24 Boulevard Royal, L-2449 Luxembourg.
EASY CREDIT – Pay in installments in a relaxed manner.
Instant – Flexible – Transparent. With the easyCredit installment purchase, you benefit from convenient and fair installment payments in multiple ways. Without any hidden costs, fees or annoying paperwork. Simply select the easyCredit installment purchase during the payment process and pay the first installment after 30 days at the earliest.
If you want to pay back more quickly later or take a break from paying – this is also very easy and flexible.
easyCredit installment purchase at a glance:
Order values: 200 to 10,000 euros
Minimum rate: 20 euros
Terms: 2 to 60 months
Only available for orders in germany!
OTHER INFORMATION REGARDING PAYMENTS
We reserve the right, in individual cases only to deliver when paid in advance via bank transfer. When paying with credit card, your credit card will be charged at conclusion of the contract.
MEMBER OF THE HÄNDLERBUND
As the largest online trade association in Europe Händlerbund acts as the voice and partner of the e-commerce industry. The association promotes the exchange between traders and service providers in order to support the digital as well as the stationary trade in the long-term and create a basis for sustainable future growth. Through the European-wide representation of interests and bundling of various servicesHändlerbund actively designs the industry with its members and partners.
The services include not only legal texts that are secure against written warnings, but also a review system for online shops and our trustmark “Käufersiegel”. As exclusive German representative Händlerbund shows particular commitment to the umbrella organisation Ecommerce Europe and informs its members about planned European legislation, as well as hints and rules to facilitate cross border trade.
Through the Händlerbund membership the online retailer commits himself to the objectives of the association and is actively involved in shaping the industry. (Taken from Händlerbund website)