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Payments

What are the payment methods?

We accept the following;

·         By Card - All UAE issued Credit or Debit Cards, Including International Visa and MasterCard Debit or Credit cards.

·         Cash on Delivery.

Can I place an order online without using my Credit or Debit Card?

Yes, you can place an order without using your Credit or Debit Card. In the online checkout section, you can opt to choose the “Cash on Delivery” option.

Please note- We do not Accept the Cash for Click & Collect from Stores

How does the 0% Installment plan work?

Any purchase over 1,000 AED made on PAN Emirates.com using a credit card from the below mentioned banks qualifies for a 0% installment plan;

DUBAI ISLAMIC BANK,

EMIRATES NBD BANK,

ADCB,

RAK BANK,

Mawarid Finance,

Emirates Islamic Bank,

Samba Financial Group,

FAB(First Abu Dhabi Bank)

SCB,

Deem Finance LLC.

You can select a preferable instalment plan at the checkout, alternatively you have the option to call your bank directly and ask for the 0% Instalment Plan. Please take into consideration that your bank may charge you a onetime processing fee to activate your plan.

Is there a minimum order value to be eligible for the 0%  Instalment Plan?

Yes, a purchase of AED 1,000 and above is mandatory to avail the 0% Instalment Plan.

Do I have control over the duration of my 0% Instalment Plan?

Yes, you have the option to select the duration of 0% Instalment Plan. You can choose for 3/6/9/12 months.

Can I get a refund if I return a product, I bought with the 0% Instalment Plan?

Yes, if you wish to return the product bought with the plan, we will refund the total purchase amount to your registered account. Please note that your bank’s initial processing fee, if any, may not be refunded and is a subject to be discussed with your bank.

Are your prices inclusive of VAT (Value Added Tax)?

Yes, all prices and charges are inclusive of VAT. 

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