Bank card
Transactions on univers-train.com are 100% secure thanks to SSL technology. We use SogeCommerce secure payment from Société Générale. You can pay for your online purchases by credit card: Visa, MasterCard, or other bank cards.
The card number is entered on a secure page hosted by SG Bank. It is therefore not known to the merchant. The information is encrypted using SSL technology. When paying, you enter the bank card number and expiration date, as well as the cryptogram (3-digit number on the back of the bank card), which are immediately encrypted before being sent to the bank. You will receive a secure code (3D secure) by text message to your mobile phone, or a confirmation request on your banking application. Enter and validate this code on the payment page. Once the code is validated, payment is made immediately and an order confirmation email is sent to you.
Payment in installments with ALMA:
Alma's credit service is offered for the settlement of purchases and execution of payment, provided that the person purchasing the good or service through Alma ("Buyer") accepts the contract for payment in installments or deferred payment.
Fees may be charged by Alma.
Any refusal to grant payment in installments or deferred payment by Alma may result in the nullity of the contract for the purchase of the goods or services (“GTC”), unless the Buyer agrees to pay the purchase amount in cash.
In the event of termination of the General Terms and Conditions, the contract for payment in installments or deferred payment will be terminated automatically.
In the event of withdrawal from the payment solution in installments or deferred payment used for your payment, the General Terms and Conditions will be automatically terminated, unless you pay the amount of your purchase in cash through Alma. If the product has already been shipped to you, you must return it within the maximum period provided for in these General Terms and Conditions.
The amount is partly paid by a credit granted by Alma SAS, payment institution and financing company approved by the ACPR under n° 17408 - CIB code.
In accordance with Article L.312-50 of the Consumer Code, in the event of payment in installments, including the payment of a deposit, the buyer is provided with a receipt on paper or any other durable medium serving as a receipt and containing a full reproduction of the provisions below (Articles L. 312-52, L. 312-53 and L. 341-10 of the Consumer Code):
Article L312-52: The contract of sale or provision of services is terminated automatically, without compensation:
1° If the lender has not, within seven days of acceptance of the credit agreement by the borrower, informed the seller of the granting of the credit;
2° Or if the borrower has exercised his right of withdrawal within the period provided for in Article L. 312-19.
However, when the borrower, by express request, requests the immediate delivery or supply of the goods or the provision of services, the exercise of the right of withdrawal from the credit contract shall not automatically terminate the contract of sale or provision of services unless it occurs within three days of acceptance of the credit contract by the borrower. The contract shall not be terminated if, before the expiry of the periods mentioned in this article, the purchaser pays in cash.
Article L312-53: In cases of termination of the sales contract or the provision of services provided for in Article L. 312-52, the seller or service provider shall reimburse, upon simple request, any sum that the buyer has paid in advance of the price.
Article L341-10: In cases of termination of the sales contract or the provision of services provided for in Article L. 312-53, from the eighth day following the request for reimbursement of any sum paid in advance by the buyer, this sum shall automatically bear interest at the legal interest rate increased by half.
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PAYPAL Pay Later in 4X without fees
Paypal in 4 installments with no fees. You will be redirected to a secure PayPal payment page to pay for your order in just a few clicks. A first payment of 25% of your purchase is due immediately. The following 3 installments will be automatically debited monthly on the date of your order. Once payment is accepted, a confirmation email with a summary of your order will be sent to you.
By check:
The order will only be processed upon receipt of your check and after validation.
Your order is then reserved for 8 days. After this period, without receipt of your check, it will be canceled.
If you choose to pay by check, please note that we only accept bank or postal checks expressed in euros and payable in mainland France only.
Your check must be accompanied by a photocopy of your identity card.
Any amount over 50 euros will be cashed upon receipt, your order will then be shipped within 8 working days.
Bank transfer:
To do this, please note our RIB below:
Societe Generale Bank.
IBAN: FR76 3000 3013 7800 0200 2464 836
BIC-SWIFT ADDRESS: SOGEFRPP
These bank details will be sent to you by email after confirmation of payment by bank transfer, along with a summary of your order. Include your order reference in your transfer information. We are waiting to receive your payment before delivering the order. You have 8 days to send us your payment. After this period, the order will be canceled and the products will be returned to stock.