Yes, customers can pay for purchases on Amazon.fr in installments.
We have two installment payment solutions on Amazon.fr provided by third party financial institutions: 4x Carte Bancaire (4xCB) and Option Crédit. 4x Carte Bancaire allows customers to pay in 4 equal installments, over a period of 90 days, their purchases between 75 € and 1200 € with a charge on the credit card. Option Crédit gives customers the option to pay for their purchases of between 100€ - 3000€ through equal monthly charges on their bank account, in upto a maximum of 24 months period. Option Crédit is a renewable line of credit for purchases between 100€ and €1000 and a depreciable credit for purchases between €1001 and €3000.
What is the process for a customer to use these installment payment solutions on Amazon.fr?
Customers can choose to pay in installments with 4x Carte Bancaire or Option Crédit when they select their method of payment, if the total basket value is between 75 € to 3000 € and the items are eligible for installment payments. Customers choosing these payment options will be redirected to our financial partner’s portal to apply for the installment financing and finalize their payments.
As a selling partner, what is my role regarding these installment payment solutions?
As a selling partner, you are not involved in the installment payment solutions. It is the customer’s choice to pay using these installment payment solutions, subject to the acceptance of the third party financial institution.
Are the payment methods popular?
Yes, we know such payment methods are popular among our customers. These products are frequently given high star ratings by our customers . You may access customer reviews on this page.
Installments without fees-Offers Funding Service
Offer Funding Services enables you as a selling partner to make your eligible products available for customers to purchase in 4x Carte Bancaire installments with no fees, through a dedicated application straight from Seller Central.
Implementing Offer Funding Services would give you an opportunity to enlarge your customer profile and enable purchases of higher basket sizes. From our past surveys and reports on 4x Carte Bancaire captured in 2021, 75% of customers would have cancelled or postponed their purchase without installment payments. Currently, Offer Funding Services is only available in connection with purchases made using the 4x Carte Bancaire installment payment solution, due to local regulations.
You can start with enrollment into the program, accessible here. Once registered, you will be able to select and enroll eligible products of your choice to be available with instalments with no fees on Eligible Products Tab of the Products Page. For enrolling products individually, you can click on Enroll button, or you can enroll multiple eligible products at a time by using Bulk Upload option. You will also be able to select the duration for which you prefer to enroll your products, with a maximum duration of one year. For products enrolled in bulk, the same start and end date will apply to all products. Enrollment will be effective and visible to customers within 24 hours from your request.
You can stop an Offer Funding Services offer whenever you want to , by un-enrolling your products from the offer (click Unenroll button on Manage your Products page. Similar to enrollment, un-enrollment will be effective within 24 hours from your request. Further, your eligible products may be removed from Offer Funding Services if they cease to meet the eligibility criteria, or are restricted according to the Business Solutions Agreement (BSA). Refer to eligibility criteria in detail in Section 5.
Offer Funding Services Fees
We will charge you an amount (Offer Funding Services fee) so your eligible products can be made available for customers to purchase using the instalment payment solutions provided by third party financial institutions on Amazon.fr with no fees.
You will be charged only when a customer places an order on your enrolled product, pays using instalments and once the order is placed on shipped status.
You will be paid as per the regular disbursement cycles in one complete single payment, no matter how many installment payments the customer may choose for their purchase. This payment will incorporate the Offer Funding Services fees charged to you.
As cancellation happen before the order is shipped , you will not be charged any Offer Funding Services fee and the cancellation will happen as usual.
Customers can return items in accordance with Amazon’s Return Policies. If a customer returns Offer Funding Services-enrolled items purchased using installment payment methods (4x Carte Bancaire), Amazon will refund you the Offer Funding Services fee. Returns will be subject to the Refund Administration Fee applied on the Amazon.fr store, as provided in the Amazon Services Business Solutions Agreement.
The Offer Funding Services fee is calculated as a percentage of the product price (inclusive of shipping costs and gift wrap if you are using FBA and exclusive of shipping costs and gift wrap otherwise). The amount of the Offer Funding Services fee will depend on the customer’s choice of installment payment methods. Current Offer Funding Services fee amounts are available on the Offer Funding Services Rate Card.
You will be able to enroll your eligible products with no Offer Funding Services Fee charged until September 30, 2022.
Offer Funding Services: Product Eligibility and Flexibility
Offer Funding Services is available for your physical products in stock on Amazon.fr with a price range of 75 € - 1200 €. Offer Funding Services is not available on customer baskets containing items that are ineligible for instalment payments, including gift certificates, books, pre-orders, out-of-stock products, or digital products (MP3, ebooks, apps, games and software for download, Kindle subscription, etc.), infant formula, electronic cigarettes (including e-liquids, refills and accessories), and/or other items determined by Amazon from time to time. To learn more about the latest eligibility criteria, click Discover our multi-payment solutions (Payment using 4x Carte Bancaire and Option Crédit.
In rare cases, it could happen that already enrolled products become ineligible due to changing eligibility criteria. Such products would be displayed as Cancelled by Amazon on Manage Enrolled Products Tab of the Products Page.
If the price of a product changes and falls below the 75 € minimum threshold or above the 1200 € maximum threshold, the product would be automatically ineligible for Offer Funding Services, as the product would be ineligible for the 4x Carte Bancaire instalment payment option. It would be displayed as Inactive on Manage Enrolled Products page. If the price of a product changes but remains above the 75 € threshold and below the 1200 € threshold, the product would remain enrolled in Offer Funding Services.
Apart from Price, if an enrolled product becomes Out of Stock at any point of time, they will also appear as Inactive on Manage Enrolled Products page. Such products will become Active again, when the price of the product comes back within 75 € to 1200 €, and the product comes back in stock.
The customer makes installment payments to the financial partner. In case a customer does not pay the installments, you won’t be impacted. As a selling partner , you would be paid in one single disbursement through your usual payment cycle.
You can monitor the performance of your Offer Funding Services campaign using the dedicated dashboard.
No fee installments are displayed on the ASIN detail pages of the relevant products, as well on other check-out placements, if the baskets are eligible for installment payments. Please see samples of the marketing banners used.
Offer Funding Services: Baskets with multiple products
The Offer Funding Services fee would be applied for all such products that have been enrolled by you. Consider the below example:
Example: if a customer purchases a basket using installments (with no fees) that contains 3 items enrolled into Offer Funding Services by one single selling partner at 80 €, 100 € and 120 €, the Offer Funding Services fee (based on the Rate Card as of 1 Dec, 2021 ) would be:
2.25% * (80+100+120) = 6,75 €
In such a case, we will charge you only for the products enrolled by you.
Example : if a customer purchases a basket using installments (with no fees) that contains 1 Offer Funding Services fee-enrolled product sold by selling partner #1 (100 €) and 1 Offer Funding Services fee-enrolled product sold by selling partner #2 (80 €), the Offer Funding Services fee charged to each selling partner (based on the Rate Card as of 1 Dec, 2021) would be:
selling partner #1 would be charged 2.25%*100 € = 2.25 €
selling partner #2 would be charged 2.25%*80 € = 1.80 €