Answers to frequently asked questions.
PayU installments are available in selected online stores if your purchases, including shipping costs, fall within the range of 300 to 50,000 PLN. As part of a limited-time offer, PayU may provide the option to place orders for amounts other than those specified above, of which the customer will be informed during the order process.
Funding Organizations that collaborate with PayU under separate agreements.
PayU is a credit intermediary registered in the consumer credit intermediary registry maintained by the Financial Supervision Authority under the number RPK006833.
PayU acts as an intermediary between the Client and the Financing Organization.
PayU collaborates with Financing Organizations based on separate agreements.
The agreement for the Standard Loan or the 0% Loan under PayU Installments is made between the borrower and the Financing Organization with which PayU S.A. cooperates and intermediates in concluding these agreements.
According to Article 27 of the Consumer Rights Act of May 30, 2014, a consumer who has entered into a distance contract or a contract outside the business premises may withdraw from it within 14 days without giving a reason.
– To withdraw from such a contract, the consumer sends a statement of resignation from the purchase (withdrawal from the sales contract) to the store and returns the goods.
– After meeting the formal requirements and accepting the return of the goods, the store refunds the funds (partially or in full) through the PayU System that were used by the Buyer to finance the purchase.
– PayU then transfers the refund directly to the Financial Organization with which the Buyer has entered into the credit agreement.
– PayU will inform the Buyer via email about the recorded return, providing details of the refund and the installment payment to which the return pertains.
– To ensure proper handling of the credit agreement after the funds are refunded, including submitting a withdrawal request or making an early repayment, the Buyer should contact the Financial Organization directly each time.
Exceptions
Legal provisions may specify exceptions when the right to withdraw from the contract does not apply. Such situations are specified, for example, in Article 38 of the Consumer Rights Act of May 30, 2014, where, among other things, the right to withdraw does not apply to Buyers entering into contracts for the purchase of tickets for entertainment, sports, or cultural events outside the business premises or at a distance.
Your purchase will not be completed if the Financial Organization does not grant you the loan or if, after receiving a positive credit decision, you do not take the subsequent steps of verifying your identity and approving the terms of the loan agreement.
To complete the purchase, you can return to the store and choose another payment method.