Who is Klarna?

Frequently asked questions about the “Pay in 3 interest-free installments” option

Klarna is a Swedish payment service provider that takes responsibility for user payments. Klarna is the simplified payments provider for over 200,000 online stores. So far, more than 85 million customers worldwide have trusted Klarna with their payments.

How does the “Pay in 3 interest-free installments” option work?

“Pay in 3 interest-free installments” allows you to spread the cost of your purchase into 3 equal payments. Payments for each installment will be automatically charged to the debit or credit card designated at checkout. The first installment will be charged when the order is confirmed by [MERCHANT] and the second and third installments will be 30 and 60 days later, respectively. You can always monitor your payment schedule in the Klarna app.

Who is entitled to the “Pay in 3 interest-free installments” option?

To use the “Pay in 3 interest-free installments” option you must be at least 18 years old. Although the “Pay in 3 interest-free installments” option is widely advertised,
is subject to your financial circumstances. By choosing to take advantage of the "Pay in 3 interest-free installments" option, our analysis will not influence your credit rating.

How can I increase my chances of being accepted for the “Pay in 3 interest-free instalments” option?

Klarna is unique and offers a “Pay in 3 Interest Free Installments” option based on a number of factors such as order value, order history and item availability. If you are over the age of 18, you can increase your chances of taking advantage of the “Pay in 3 interest-free installments” option by making sure you provide your full name and an accurate address, as well as using your shipping address billing account registered. All orders are reviewed individually. Just because you have used the “Pay in 3 interest-free installments” option previously does not mean that you will be offered to use it for every order; and, if the option

has been denied previously, it does not mean it will be denied for all future orders.

What must the user provide when making a purchase?

If you wish to make a purchase with Klarna using the “Pay in 3 interest free installments” option, you will need to provide your telephone number, email address, current billing address and a credit card number. debit or credit. The mobile number is necessary in case we need to contact you. All communications will be sent via email. It is very important that you provide us with the correct details, because otherwise the payment schedule and any order updates may not arrive.

Will a credit search be carried out against you?

Klarna may carry out so-called unsubstantiated inquiries (or soft credit searches) which have no effect on your credit score and are only visible to you and Klarna, but are not visible to other lenders. Neither Klarna nor [MERCHANT] conduct credit searches against you that could affect your credit score.

Why isn't the “Pay in 3 interest-free installments” option accessible to everyone?

Although the “Pay in 3 interest-free installments” option is widely advertised, it is not always available to everyone. The “Pay in 3 interest-free installments” option is automatically generated by algorithms that depend on a number of factors including address, cardholder details, order total, online store,
the history of previous orders and the availability of the item.

What payment options are available with Klarna?

Payments for “Pay in 3 interest-free installments” installments will be automatically charged to the debit or credit card designated at checkout. The first payment will be taken when the order is confirmed. The second and third installments will be charged 30 and 60 days respectively from the first instalment. You can always monitor your payment schedule in the Klarna app.

What happens if I cancel or return the order?

As soon as [MERCHANT] accepts your cancellation or return, Klarna will cancel any future scheduled payments and refund any amounts due. The return will be immediately visible in the Klarna app.

What happens if you don't pay for the order?

Klarna will attempt to charge payment for “Pay in 3 Interest Free Installments” installments at [MERCHANT] to the debit or credit card designated at checkout. If we are unable to debit your payment on the due date, Klarna will make a second attempt to automatically debit your payment two days later. If this attempt is unsuccessful, Klarna will issue a statement for the full outstanding amount which will become payable 15 days later. Klarna will notify you when your payment is due two days before you attempt to collect it and you will always be able to track the due date in the Klarna app. If you do not pay on time using the “Pay in 3 Interest Free Installments” option, your credit score will not be impacted.

The user was asked to go to the Klarna site. It's correct?

You can view all your Klarna purchases and payment schedule in the Klarna app or by logging in to Klarna.com/uk.

Is your payment information safe?

Your payment details are processed by Klarna securely. No card data is transferred or retained by [MERCHANT]. All transactions take place over connections secured by the latest industry security protocols.

Is it possible to pay before the due date?

Yes. Simply go to the Klarna app or go to the Klarna.com/uk website and pay in advance.

The payment has been successful?

Klarna will send an email notification and a push notification from the Klarna app when a payment is due and has been successfully collected, or in the unlikely event that the payment has failed. If a payment has been made but no payment confirmation has arrived, you will always be able to check the status of your order and payments in the Klarna app or by logging in to the website www.klarna.com/uk

What happens to the user's account statement after returning the goods?

Once [MERCHANT] has received your return (partial or full) and you have received confirmation of receipt, Klarna will send you a statement with an updated payment schedule in the event of a partial return. With a full return of the goods, we will refund all payments collected and cancel all future scheduled payments. The user will always be able to monitor the status of their order in the Klarna app.

The user has received the statement but has not yet received the goods.

In the event that the goods have not yet been received, call [MERCHANT] to check the status of the order and its delivery. You can also contact Klarna Customer Service so we can postpone your payment due date or place your order on hold in the Klarna app pending delivery.

The user canceled his order. How long will it take before I receive the refund?

As soon as the store has registered the cancellation or return, the refund will be processed within 5-7 working days.

The user has requested a refund, how will it be processed?

Refunds will be made to the debit or credit card that was originally given at checkout.

You have not received any emails regarding your statement or payment information.

You can log in to the Klarna app or website ​www.klarna.com/uk​, where you will find all your order and scheduled payment information.

How can I contact Klarna with further payment concerns?

Please see the Klarna app or Klarna Customer Service page for a full list of FAQs, contact details and live chat.