Pay safely and conveniently with PayPal

PayPal is a service for sending and receiving money in a simple, quick and secure way that can be used by all customers who have an email address: PayPal uses the existing financial infrastructures of bank accounts and credit cards to create a payment system based on global and in real time.

In addition to guaranteeing fast and secure payments, PayPal also offers the possibility of purchasing what you want immediately and paying for it later: time and flexibility are no longer a problem!

ATTENTION: PayPal's "Pay in 3 installments" service is available for purchases with amounts between €30 and €2'000 (no initial or late fees).

01. HOW TO PURCHASE WITH "PAY IN 3 INSTALLMENTS WITH PAYPAL"
Purchasing on ShopClima and paying in 3 installments using PayPal is very simple. Just follow the (general) instructions below:

- add the items to purchase to the cart and select "PayPal" at checkout with "Pay in 3 installments" as the payment method;
- complete your purchase by paying the first installment today at no additional cost (0% APR);
- the remaining payments will occur automatically every 30 days.

02. HOW TO USE THE "PAY IN 3 INSTALLMENTSWITH PAYPAL"
The "Pay in 3 installments" payment method with PayPal is only available on eligible purchases from 30 to 2'000 euros for all customers resident in Italy who have a PayPal account: the 3 payments without interest (0% APR) they have a monthly interval and are charged respectively as a deposit (first instalment) and monthly installments (second and third instalments).

To use this payment method you must use a debit card or a credit card or a confirmed bank account associated with the name of the requesting person.

03. SERVICE RESTRICTIONS
Suitability for the service is at the discretion of PayPal which reserves the right to verify and approve the request for payment deferral.

ATTENTION: the service is only available to customers who are natural persons and represents a binding commitment which must be repaid and which may influence personal creditworthiness. We therefore encourage you to ensure that you are able to repay before making a commitment.

04. FREQUENT QUESTIONS
Below are the 5 most frequently asked questions, with their answers, about the "Pay in 3 installments with PayPal" service.

How does "Pay in 3 installments" work?
To use this payment method you must choose PayPal as your payment method at checkout. Once logged into your PayPal account you should see the "Pay in 3 installments" option available if the buyer and the purchase are both eligible. If so, you can request payment in installments in just a few steps, receiving quick feedback to complete the purchase. At the time of your request, PayPal may need to check your credit reference with credit information systems and therefore may need to provide them with information on your personal refund management. A trace of this verification will only remain on the personal profile from the moment the financing contract is signed and therefore PayPal reserves the right to have to provide information on the personal management of reimbursements to the credit reporting agencies. That said, it is really important to be able to pay the repayment installments.

What purchase amounts are "Pay in 3 Installments" eligible?
"Pay in 3 installments" is available for eligible purchases from €30 to €2,000.

Is "Pay in 3" installments subject to costs?
No, there are no costs associated with "Pay in 3 installments", including penalties for non-payment. However, it is essential to remember that it is a loan and therefore you must ensure that you are able to repay it to avoid, for example, any impacts on your credit reference.

Am I signing a contract with the merchant or with PayPal?
If the financing request is approved, the contract is concluded with PayPal: this means that PayPal is the creditor.

Where can I view my payment total and the total amount to be refunded?
By accessing your PayPal account, you need to go to "Pay in 3 installments" and then click on the "Pay in 3 installments" payment you want to refer to. Once this is done, you can see the amounts of your previous payments in your personal "Pay in 3 installments" activity. The amount still to be repaid appears under the heading "Remaining".