PAYMENT • JUSTME # Payment Methods & Terms Payment options at the business, installment plans, and bank transfer details. ## Ways to pay Choose a method to read its terms. CardsIsraeli-issued Visa and MastercardAccepted subject to card restrictionsCashIn ILS, within cash-law limitsAcceptedBank transferRemote transfers are possibleAcceptedDigital walletsApple Pay / Google PayAccepted in storePayment appsbit, PayBox and similar appsNot acceptedChequesPayment by chequeNot accepted ## Paying by cards ### Accepted cards **Visa**Accepted **Mastercard**Accepted **Direct / Debit**Single paymentAccepted ### Cards not accepted **American Express**Not accepted **Diners Club**Not accepted **Foreign-issued cards**Not accepted Supported cards must be issued in Israel; foreign-issued Visa and Mastercard cards are also excluded. This restriction is based on the card’s country of issue; it does not determine the customer’s legal tourist status. ### Installments and surcharge Up to 12 installments on eligible credit cards. [View installment plans and surcharges](https://justme.co.il/en/payments#payment-rate-table) - 1–3 installments carry no surcharge. - **Installments are available for card amounts of ILS 200.00 or more, before the installment surcharge.** Use the card amount left after cash, bank transfer and amounts already paid toward this transaction—not a minimum per installment. - The installment surcharge is calculated once on the amount financed by card, includes VAT and is included in the displayed final amount. Check installments[Can I combine cash and card?](https://justme.co.il/en/payments#payment-faq-mixed) View all installment plans and surcharges This is the full additional amount charged by the business for the plan. The installment surcharge is calculated once on the amount financed by card, includes VAT and is included in the displayed final amount. There is no additional monthly or annual interest, compound interest or further merchant financing charge. Do not add VAT again. The plan is not the card issuer’s separate Credit product. The surcharge is already included in the calculator’s displayed charge totals; do not add it again. There is no minimum for a single card payment or for each individual installment. Installments and surcharge | Installments | Total installment surcharge | | --- | --- | | 1 | 0% | | 2 | 0% | | 3 | 0% | | 4 | 1.0% | | 5 | 1.2% | | 6 | 1.4% | | 7 | 1.6% | | 8 | 1.8% | | 9 | 2.0% | | 10 | 2.2% | | 11 | 2.4% | | 12 | 2.5% | Card payments by phone or payment link are currently unavailable. [Can I pay by phone or payment link?](https://justme.co.il/en/payments#payment-faq-phone) ## Paying by cash **Cash in Israeli shekels**Accepted ### Cash payment limits - **Up to ILS 6,000.00, inclusive:** The full transaction price may be paid in cash. - **Above ILS 6,000.00:** The lower of 10.0% of the transaction price and ILS 6,000.00. The limit concerns the whole transaction, including VAT and relevant agreed ancillary charges; previous cash and deposits count too. Artificially splitting a transaction to evade the limit is prohibited. The installment surcharge is included in the transaction price used for the cash limit, as confirmed by the business. That confirmation is not case-specific legal certification. Check cash or mixed payments[Official cash-limit simulator](https://www.gov.il/he/service/reduced-useofcash-simulator) [Israel Tax Authority: reducing cash use](https://www.gov.il/he/pages/law-guide-to-reducing-cash-use?chapterIndex=4) [Does another payment or invoice reset the cash allowance?](https://justme.co.il/en/payments#payment-faq-cash)[What about tourists or recurring arrangements?](https://justme.co.il/en/payments#payment-faq-tourists) ## Paying by bank transfer Bank Bank Hapoalim · 12 Copy Branch Ma’alot–Tarshiha · 732 Copy Account number 450950 Copy Beneficiary AMOR ZAHI JUSTME Copy Copy transfer details Zahav / international transfer details Account name in English AMOR ZAHI JUSTMECopy IBAN IL14-0127-3200-0000-0450-950Copy SWIFT / BIC POALILITCopy International or foreign-currency transfers require prior coordination. Copy international transfer details 1. **Payment reference** Enter the invoice number in the transfer reference. For an advance payment before an invoice exists, use the order or quote reference. 2. **Send transfer confirmation** Send the transfer confirmation through the business WhatsApp or email. [Send transfer confirmation via WhatsApp](https://wa.me/972522483493)[Send transfer confirmation by email](mailto:justme@justme.co.il) 3. **Payment confirmation and receipt issuance** A receipt is issued when the funds are actually credited to the business’s bank account. Receipt of payment depends on the bank’s processing time: an immediate transfer may be credited at once, while another transfer may take a business day or longer. A transfer instruction or customer-provided confirmation alone does not establish receipt of the funds. [When is a bank transfer confirmed?](https://justme.co.il/en/payments#payment-faq-bank) ## Paying by digital wallets **Apple Pay**Accepted **Google Pay**Accepted Pay in store using a supported card configured in the wallet. Issuer, card-brand and debit restrictions still apply; foreign-issued cards, American Express and Diners are not accepted. Card restrictions and details ## Paying by payment apps **bit**Not accepted **PayBox**Not accepted Transfers through bit, PayBox and similar payment apps are not accepted. These are different from Apple Pay and Google Pay, which are accepted in store subject to card restrictions. Digital wallet information ## Paying by cheques Not accepted Payment by cheque is not accepted. ## Payment terms - **Non-stock equipment** Advance payment For ordered equipment not available in stock. - **Shop and lab work** Payment at collection When collecting the work or service from the business. - **Business customers** Up to end-of-month +60, by prior approval Individually approved, not automatic; the agreed due date is recorded in the quote or order. Equipment and work payment timing applies unless otherwise agreed. ## Payment calculator Check amounts, payment combinations and installment surcharges — no payment is made. Open calculator Show calculation examples Loading replaces every amount and selection, including transfers and previous payments. Opening these examples alone changes nothing. - #### Full card payment Original transaction price ILS 1,000.00 Card amount before surcharge ILS 1,000.00 Total installment surcharge · 2.5% ILS 25.00 Total card charge ILS 1,025.00 Overall transaction total ILS 1,025.00 12 installments: 8 × ILS 85.42 + 4 × ILS 85.41 Load example in calculator - #### Mixed cash and card Original transaction price ILS 10,000.00 Cash in this payment ILS 1,000.00 Card amount before surcharge ILS 9,000.00 Total installment surcharge · 2.2% ILS 198.00 Total card charge ILS 9,198.00 Overall transaction total ILS 10,198.00 10 installments: 10 × ILS 919.80 Load example in calculator The calculator requires JavaScript. The remaining information, rates and transfer instructions on this page are available without JavaScript. ## Payment questions and answers More about combining payment methods, business terms and cancellations. Can I combine cash and card? Yes. Choose Cash + card and enter the cash amount. The balance goes to the card; installment eligibility is based on the card amount before surcharge. Current cash is checked together with cash already paid toward this transaction. Does another payment or invoice reset the cash allowance? No. The cap concerns the whole transaction, including VAT, agreed ancillary charges and deposits. Later dates, invoices or a change of payment method do not reset cumulative cash. What about tourists or recurring arrangements? For an ordinary single purchase or one-off service. Tourist transactions, recurring arrangements and other cases may need different treatment; check with the business or use the official simulator. [Contact the business](https://justme.co.il/en/contact) When is a bank transfer confirmed? After credited funds are identified in the business account, not from the confirmation alone. Routine review may finish by the next business day; an already credited transfer, including Zahav or immediate transfer, may be confirmed earlier subject to verification. Can I pay by phone or payment link? Card payment by phone or payment link is not available. Bank transfers can be made remotely; supported digital wallets are accepted at the premises subject to the card restrictions. What business payment terms are available? Business customers only may receive individually approved terms of up to end-of-month +60, by prior agreement. This is not automatic; the agreed due date will appear in the quote or order. The card installment surcharge does not apply to business invoice-credit terms. Business terms cannot override statutory cash limits. How are cancellations and refunds handled? Cancellations and refunds are handled in accordance with applicable law and the transaction terms. [Terms of use](https://justme.co.il/en/terms) Payment terms recorded2026-10-20 Installment rates recorded2026-10-20 Cash-rule source check2026-10-20 **Official sources**[Israel Tax Authority: reducing cash use](https://www.gov.il/he/pages/law-guide-to-reducing-cash-use?chapterIndex=4)[Official cash-limit simulator](https://www.gov.il/he/service/reduced-useofcash-simulator)[Bank of Israel: transaction price definition](https://kamakama.gov.il/q-a/payments/cashreductionlaw/)[Bank of Israel: debit cards](https://www.boi.org.il/information/bank-paymnts/financial-education/campaigns/debitcard/) Dates refer separately to the terms and rates recorded on this page and checks of the cited ordinary-transaction cash guidance. Business confirmation of the total surcharge, VAT inclusion and cash-limit calculation treatment is not professional legal or accounting approval. Source: https://justme.co.il/en/payments