When paying for your order by bank transfer are you worried about the correctness of the account number? Do you value your choice of payment method? Or maybe for you “time is money” and the speed with which you complete the transaction comes first? If the answer to at least one of the above questions is “yes”, then it is necessary to get acquainted with the newest solution offered by our online shop – Imoje ING payments.
ING’s Imoje is a relatively ‘fresh’ solution on the online payment market, though one that is growing in popularity with each passing month. Imoje is the first payment method in Poland created with online shop clients in mind, offered by ING Bank Śląski, and with a security guarantee confirmed by a PCI DSS certificate. Imoje online payments allow paying for orders using the most popular methods, such as immediate transfer (e-transfer) or BLIK.
Making payments through Imoje is extremely easy! After adding the products you are interested into the basket and filling in the necessary personal information, in the step “Select a payment method (…)” you have to click on the window “Immediate transfer from Imoje” (the default option selected is “Standard bank transfer”, for which you have to order the transfer yourself).
Then, after confirming the order, we will be automatically redirected to the paywall.imoje.pl website – Imoje payment gateway, through which we can make payment for the order. Here, in the first place, we should check the correctness of the transaction data, which are visible in the column on the right, i.e. whether:
We should also read the “Terms and Conditions of Imoje” and the “Information on personal data of Imoje”, and as proof of this fact confirm it by clicking on the white square next to “I declare that I have read and accepted (…)”.
Below are some hypothetical examples to better illustrate Imoje’s mechanism.
Our customer Jan wanted to buy 1 gram Tavex gold bar. When he added the product to his shopping cart it cost exactly 284,00 PLN.
After completing the information necessary to finish the transaction our customer decided to pick up the bar in person at the branch of his choice, so that he does not pay for the delivery of the product, and in addition that Jan will use the Imoje payment method. Therefore at the last stage of placing the order he selected the option “Immediate transfer from Imoje”. At that moment, our customer noticed in the “Order summary” visible in the column on the right, that the additional transaction fee for Imoje will only be 1.28 PLN!
This means that the final amount he paid for the whole order was 285.28 PLN.
Our client Anna planned a week’s vacation in Croatia, and because of that she needed to buy local currency – she decided to buy 1600 Croatian kuna. When she added the currency to the basket, for 1600 HRK she would pay exactly 1003,20 PLN. However, the order was to be delivered by courier to a given address, so the delivery cost of 20,00 PLN had to be added to the order amount, which made 1036,00 PLN.
As Anna was very pressed for time and wanted to make sure that her transfer would reach us immediately, she decided to pay using Imoje. After selecting the appropriate payment option, she noticed that for this service she will pay only 4.51 PLN extra – that’s because the transaction fee of 0.45% was calculated on the value of products in the basket (1003.20 PLN for a purchase of 1600 HRK), and not on the amount including the cost of delivery (in this case 1007.71 PLN).
The final amount Anna paid for the entire order was 1,027.71 PLN (1003.20 + 4.51+20.00 [PLN]).
Our next client Zygmunt ordered a Gold Austrian Ducat to regularly increase his “gold” investment portfolio. At the moment of adding the product to the basket the coin cost exactly 1007.00 PLN.
This time, Zygmunt decided to order the coin to a pickup point in a nearby Żabka store – so that he could conveniently pick up the package in the evening after work – and also to pay for the order using the BLIK code and thus use Imoje payments. The delivery cost 20.00 PLN, while the additional fee of Imoje of 0.45% of the price was only 4.53 PLN.
The entire transaction amounted to Zygmunt 1031,53 PLN.