KLARNA

Shop now. Pay later with Klarna.

We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout.

Here’s how it works:

Step 1

Add products to your cart and select “Klarna” when you check out

Step 2

Enter a few personal details and you’ll know instantly if you’re approved

Step 3

Klarna will send you an email confirmation and reminders when it’s time to pay and you can manage your orders and payments in the Klarna app.

Part 2: Payments information

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, when you pay on time.

Paying after delivery allows you to try before you buy and is the easiest way to shop online.

  • Complete the payment in full after purchase at no added cost.
  • Report returns directly in our app and only pay for the items that you keep.
  • Not making your payment on time could affect your ability to use Klarna in the future.
  • Debt collection agencies are used as a last resort

Pay in 30 days is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status.Ts&Cs and late fees apply. [www.klarna.com/uk/terms-and-conditions]

Pay in 3

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. Select the Klarna option and enter your debit or credit card information.

  • A new way to pay that's an alternative to a credit card.
  • 3 instalments gives you flexibility to shop without interest.
  • Not making your payment on time could affect your ability to use Klarna in the future.
  • Debt collection agencies are used as a last resort.

Klarna's Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status.Ts&Cs and late fees apply. [www.klarna.com/uk/terms-and-conditions]

Part 3: About Klarna

Pay online or in the app

Review your latest purchases and make payments in the Klarna app or online.

  • Download the Klarna app: https://www.klarna.com/app
  • Log in online: https://app.klarna.com/login.
  • Chat with customer service: https://www.klarna.com/uk/customer-service/

  • About Klarna

    Safe and secure

    With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorised purchases.

    Frequently asked questions

    Visit our FAQ (https://www.klarna.com/uk/customer-service/) page to find out more about using Klarna.

    At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth checkout options give you more time and control so you can focus on the things you love.

    • More than 150 million shoppers are using Klarna.
    • 450,000 retailers are working with us worldwide.
    • We’re one of Europe’s largest banks and we’ve been powering online checkouts for over 15 years.

    Klarna's Pay in 3 and Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status.Ts&Cs and late fees apply. [www.klarna.com/uk/terms-and-conditions]

     

    We got it covered - we answered frequently asked questions that your customers may have about Klarna before, during or after the purchase. Just choose the Klarna product FAQ below, copy the relevant questions to your site, insert your online store name and applicable terms in the areas in brackets. And done! Please note: if you're offering our financing product, please speak to your Klarna point of contact for customer FAQ.

    The following FAQs are provided to merchants offering Klarna’s Pay in 30 days to their customers. They should be made easily available on the merchant website to ensure customers understand and have access to additional information regarding this payment method.

    Who is Klarna?

    Klarna is a payments service that helps you buy the things you want or need. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores.

    How does Pay later in 30 days work?

    Pay in 30 days is a credit product which lets you pay any time within 30 days of your purchase interest-free. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna/com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.

    Am I eligible for Pay in 30 days?

    You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 30 days. When you choose Klarna they will also check the information you provide and your financial situation.

    Can I have multiple Pay in 30 days orders at the same time?

    Yes, you can. If you see Klarna Pay in 30 days when you go to an online checkout then it is available to you. Every time you use Pay in 30 days, Klarna will check to see whether you can use the service again for each additional purchase.

    What does Klarna consider when reviewing my application?

    Klarna offers Pay in 30 days based on a number of factors such as the purchase amount, previous order history. If you are 18 or over, you can improve your chances of being offered Pay in 30 days by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 30 days before does not mean it will be offered for every order. In turn, if your application for Pay in 30 days is denied, it does not mean it will be denied for future orders.

    What do I need to provide when I make a purchase?

    If you want to purchase something using Klarna’s Pay in 30 days, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.

    Will a credit search take place?

    When you use Pay in 30 days, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

    How do I make repayments to Klarna?

    You can pay any time within 30 days of your purchase interest-free. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna/com/uk. Klarna will send you a confirmation email once your order is confirmed with full details.You can see both past and future payments using the Klarna app.

    I have been asked to go to the Klarna site. Is this correct?

    If you choose to pay for your order using Pay in 30 days, Klarna will send you an email showing you how to pay. The email will have a link you can use to make this payment using your credit or debit card.

    Can I pay before the due date?

    Yes. Just go to the Klarna app or log onto Klarna.com/uk.

  • How do I know Klarna has received my payment?

    Klarna will notify you by email, SMS or push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

    What happens if I don’t make a payment on time?

    Pay in 3 is a credit product and you are required to make your scheduled payments to Klarna. Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule. Klarna will send you multiple friendly reminders before payment is due so you can make sure you’ve got enough money to pay. If payment fails, you may be charged a late fee, subject to our T&Cs.

    What happens if I don’t pay for my order?

    If you don't make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.

  •  have canceled my order. How long will it take until I receive my refund?

  • As soon as the store has registered your cancelation or your return, the refund will normally be processed within 5 business days.

    I have asked for a refund. How will I be refunded?

    Refunds will be issued back to the debit or credit card which was originally used at checkout.

For more information on how Klarna works please visit there website for FAQ'S

https://www.klarna.com/uk/blog/how-does-klarna-really-work/