What is Klarna:
Klarna is the leading global payments and shopping service, providing smarter and more flexible shopping and purchase experiences to 150 million active consumers across more than 450,000 merchants in 45 countries. Klarna offers direct payments, pay after delivery options and instalment plans in a smooth one-click purchase experience that lets consumers pay when and how they prefer to.
How Does Klarna Work?
Klarna partners with retailers all over the world to provide smoooth shopping experience directly from their sites.
Pay later with Klarna.
Millions of savvy shoppers have already chosen Klarna when shopping at their favourite retailers. Try before you buy and pay in full up to 30 days later, or split the cost into 3 interest-free monthly instalments.*
Pay in Up To 3 instalments (FR, IT, ES, GB, US)
Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. No interest. No fees.
- At checkout, choose option to ‘Pay Later in 3 interest-free instalments’.
- When you choose this option, just enter your card details to complete your purchase.
- The first payment is made at time of purchase. The second payment will be taken 30 days after the first payment, and the last one 60 days after the first payment.
- The dates these payments are due will be sent to you by email, and you’ll be able to check them in our app.
Which cards does Klarna accept?
Klarna accepts most cards except prepaid cards. We may also not accept a card that’s due to expire in the near future. We’ll let you know at checkout if your card hasn’t been accepted.
What happens if my card is cancelled, or my card details change?
If your card is cancelled, you’ll still have to pay Klarna the amount you owe as soon as we you’re asked to.
If your card details change between your purchase and your final payment, you communicate Klarna your new details. You can do this online. If you don’t provide Klarna this information, it might ask the bank for your details.
How and when will I receive my refund?
Refunds for Pay in 3 are processed in different ways. It depends on the status of your payment schedule, how much you’ve paid and if the merchant has processed a full or partial refund.
If you’re due a full refund , Klarna will cancel any remaining payments and refund anything you’ve already paid to the card you used to make the payment.
If you’re due a partial refund that’s more than the remaining balance on your order, Klarna will deduct the amount from the outstanding balance first. Klarna will then refund the difference to the card you used to pay off the purchase.
If the partial refund is less than the remaining balance on your order, Klarna will deduct the amount from the outstanding balance. We’ll then spread the remaining balance evenly over the remaining payments.
Will using Klarna affect my credit score?
No. Klarna might carry out a limited credit search on you at a credit reference agency. This is a ‘soft credit check’, and won’t affect your credit score, or your chances of using credit in the future. You’ll be able to see it on your credit file, but no one else will.
Klarna will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Failure to pay on time might affect your ability to obtain credit in the future from Klarna and other lenders. More information about reporting to credit reference agencies can be found in Klarna’s Privacy Notice.
Pay in 30 days
Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees.
Who can use Pay Later?
You must be over 18 years old, have a residency in the country where you’re registering your account, and have a valid payment card to use Pay Later. A valid payment card means the card must be in your name and must not have expired. You should also make sure the card you use has enough money available to cover your payment.
Pay Later is a credit product. It’s our decision whether or not we start a credit agreement with you.
How do I Pay Later?
With Pay Later, you can pay for something you buy up to 30 days from the order placement or shipment of your goods or when services you have purchased become available. We will send you a payment reminder with details on how to make payment to us directly. If you’d like to pay off your balance before the 30 days is up you can make a payment early through the Klarna App by paying by card immediately.
When it’s time to pay, which cards does Klarna accept?
Klarna accepts most cards except prepaid cards. Klarna will notify you know at checkout if your card hasn’t been accepted.
What if something goes wrong?
Klarna offers consumers Buyer Protection which means for example that you as a consumer do not have to pay for the ordered goods until you have received them, and that Klarna will assist you with problems related to your purchase.
For more information and instructions please go to: https://www.klarna.com/uk/buyer-protection-description/.
What happens if I cancel my purchase?
If you cancel your purchase, we’ll cancel your outstanding payment that’s due. If you want to return part of your order, you’ll only have to pay for the goods you want to keep.
What happens if I fail to pay for my purchase?
It is important that you complete your payment for your purchase no later than on the communicated due date. If you fail to pay on time, you will be in default, and may be unable to use Klarna’s services in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf.