Payment

Pay for your order in advance via bank transfer and take advantage of a 3% discount. Please note that this is only available with classic bank transfer, as this payment method, in contrast to PayPal and credit card payment, involves no transaction fees for us.

After completing your order, you will be sent an email with our bank details and the final invoice amount, including the 3% prepayment discount. Once we have received the full payment amount as listed on the invoice we will dispatch all in-stock items.

When paying via Apple Pay a dialogue window will open in all common browsers (Safari, Google Chrome, Microsoft Edge). Follow the instructions therein to complete the payment. The payment will be processed immediately. In-stock items will be dispatched as soon as the order has been processed. If you are logged in to your customer account, you can also start an Apple Pay express payment directly from the shopping basket.

Bancontact is the Belgian payment scheme. It is available to you if your billing address is in Belgium.

When paying with Bancontact Mobile, scan the QR code displayed with the Bancontact app; on a smartphone you are taken straight to the app. There you confirm the payment with your personal code, fingerprint or Face ID.

We accept American Express, MasterCard/Eurocard and Visa credit cards. Payment by credit card is possible in our online shop up to an invoice amount of EUR 5.000, and also depends on your individual credit card limit. Please note that the charge on your credit card is always made when the order is placed and in-stock items are sent directly after the order is placed.

In order to process credit card payments you will need your card number, the expiry date and the CVC code (the 3 or 4 digits on the back of the card). Depending on the credit card provider, a security code may also be requested via 3-D Secure (SafeKey, MasterCard Secure Code or Verified by Visa). This authentication process ensures that the transaction involves the rightful cardholder and the legitimate online merchant. If your card is not yet registered for the 3-D Secure procedure, you will automatically be redirected to your bank's website. You can also make a payment via the American Express Membership Rewards® Bonus Program.

When you pay with American Express in our online shop, the order processing is additionally secured by SafeKey. The SafeKey process can only be used by merchants who have been verified by American Express. A security check is carried out towards the end of the order process, and a TAN will be sent to you to confirm the transaction. You will receive this TAN by SMS and/or at the email address that you have stored with American Express - an additional or further registration is not required. A further advantage of SafeKey is paying with points: with the Membership Rewards option, you can pay for your credit card transaction - in whole or in part - with the points you have collected.

eps transfer is the Austrian online banking payment scheme. It requires an account with a participating Austrian bank.

With the eps transfer payment option you will be redirected to a central list of participating Austrian banks. After selecting your bank you will be connected to the respective online banking portal. After registering, process the payment as usual via a TAN signature - no further entries such as IBAN, amount or merchant are required. You will subsequently receive an electronic order confirmation.

Payment via financing is only available in Germany.

Orders from the smow online shop can also be paid for in comfortable monthly instalments. Payment via financing is arranged in cooperation with our partner bank Consors Finanz (Consors Finanz, BNP Paribas S.A. Subsidiary Germany) and is available for orders up to a maximum of EUR 15.000. Following approval of the financing application by Consors Finanz, we will immediately organize the delivery of your ordered goods.

Payment in instalments: A step by step guide

Payment by financing is easily arranged in the smow online shop:

• When completing your order under Payment, select Financing
• After completing the ordering process, click the "Request for financing" button and complete the application form
• Use the Online Ident procedure to confirm your identity immediately
• Alternatively, you can print the financing application, sign it and seal it in an envelope together with the documents requested by the bank. Take the form, together with the PostIdent form, to your nearest post office. A post office employee can then confirm your identity on the basis of your identity card or passport.
• The examination of the documents by the bank can take about three to five days. After approval of your financing application by our partner bank and a final positive examination of your documents, all in-stock items will be dispatched immediately

Required documents

• Signed credit agreement
• For a financing sum of EUR 1.500 or more: most recent salary statement; if self-employed, the most recent management accounts (BWA)
• For non-EU nationals: copy of the residence permit
• For students: copy of a valid student card or enrolment certificate for the current semester and copy of EC/Maestro or credit card
• For apprentices: copy of a current salary statement and copy of EC/Maestro or credit card

Requirements

• Minimum age: 18 years
• You are an employee and have worked for your current employer for at least 3 months
• Your employment is for the next 12 months or indefinite
• You are a pensioner with an indefinite pension or
• You have been self-employed for at least 12 months
• You have a regular income of at least EUR 650 net (household net income for homemakers)
• You do not have a negative Schufa entry

Financial security with the carefree package

You can conveniently combine your financing with a flexible residual debt insurance (carefree package). That way you are covered, even if things do not go as planned. With a residual debt insurance you protect yourself and your relatives in emergencies from burdens: the residual debt insurance assumes the monthly payments in cases of involuntary unemployment or inability to work or in the event of death for the remaining term of the loan - under certain conditions after expiry of defined exclusion waiting periods, possibly with a time limit. For full details, please refer to the General Insurance Conditions.

When paying via Google Pay a dialogue window will open within which you can log in to your Google Pay account and initiate the payment. The payment will be processed immediately. In-stock items will be dispatched as soon as the order has been processed. If you are logged in to your customer account, you can also start a Google Pay express payment directly from the shopping basket.

iDEAL is the Dutch online banking payment scheme and is only available in the Netherlands.

When paying via our partner iDEAL, please either scan the QR code on your desktop device or select your bank from the list to be redirected to your bank's online portal where you can log in to your account and process the payment.

Purchase by invoice is only available in Germany and Austria, and for private individuals in the Netherlands.

When ordering from smow online you can conveniently pay invoice amounts of up to EUR 1.000 by invoice. A prerequisite is a positive credit rating based on a check by our payment service Unzer. Please note in addition our further requirements for the purchase by invoice.

When ordering via invoice, an invoice with the bank details of our payment service provider will be sent to you via email the day after the goods have been dispatched. The full invoice amount is due within 10 days thereafter. When processing your order transfer, it is important to include the "reason for payment" as quoted on the invoice so that your payment can be clearly assigned.

Should you have questions regarding your invoice, you can contact Unzer directly: 0800 404 33 00 (or AT: 0800 404 33 00, CH: 0800 404 33 00, NL: 0800 020 27 75) or by email to info@payolution.com.

Depending on your country and order amount, Klarna offers various payment methods: Pay later (invoice), Pay over time (instalment), or Pay now (bank transfer). Simply select Klarna at checkout and enjoy convenient payment. Klarna is not available in Liechtenstein.

MobilePay is available to you if your billing address is in Denmark or Finland.

When selecting MobilePay, you must enter your mobile number. The payment request will then be forwarded to the MobilePay app, where after you log in you can confirm the payment with a swipe. Data is encrypted during transmission. No additional personal information or delivery address needs to be provided.

When paying with our partner PayPal, you will be redirected to the provider's website. Log in with your personal PayPal access data and trigger the payment.