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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?

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
  • HSBC BANK
  • NBAD
  • ADCB
  • RAK BANK
  • NAJM

You can select a preferable installment plan at the check out, alternatively you have the option to call your bank directly and ask for the 0% Installment Plan. Please take into consideration that your bank may charge you a one time processing fee to activate your plan.

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

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

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

Yes, you have the option to select the duration of  0%  Installment 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%  Installment Plan?

Yes, if you wish to return the product bought with the plan, we will refund the total purchase amount to the 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)?

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