Klarna

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

Who is Klarna?

Klarna is a Swedish payment service provider that takes responsibility for its users' payments. Klarna is the provider of simplified payments for over

200,000 online stores. To date, 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 across three equal payments. Payments for each installment will be automatically charged to the debit or credit card you provide at checkout. The first installment will be charged when your order is confirmed by [MERCHANT], and the second and third installments will be due 30 and 60 days later, respectively. You can always monitor your payment schedule in the Klarna app .

Who is eligible for 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,

It is subject to your financial circumstances. If you choose to take advantage of the “Pay in 3 interest-free installments” option, our analysis will not affect your credit rating.

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

Klarna is unique in offering the "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 18, you can increase your chances of receiving the "Pay in 3 interest-free installments" option by ensuring you provide your full name and accurate address, as well as using your registered billing address for shipping. All orders are reviewed individually. Just because you have previously used the "Pay in 3 interest-free installments" option does not mean you will be offered it for every order; and, if the option is available to you, you may not be able to use it for every order.

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

What does the user have to 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 phone number, email address, current billing address, and a debit or credit card number. Your mobile phone number is required in case we need to contact you. All communications will be sent via email. It is very important that you provide us with accurate information, otherwise your payment schedule and any order updates may not arrive.

Will a credit search be performed on the user?

Klarna may perform so-called undocumented inquiries (or soft credit searches) that 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] perform credit searches against you that could affect your credit score.

Why isn't the "Pay in 3 interest-free installments" option available to everyone?

Although the "Pay in 3 interest-free installments" option is widely advertised, it isn't 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 the address, cardholder information, order total, and online store.

previous order history and item availability.

What payment options are available with Klarna?

Payments for installments using the "Pay in 3 interest-free installments" option will be automatically charged to the debit or credit card you provide at checkout. The first payment will be charged when your order is confirmed. The second and third installments will be charged 30 and 60 days after the first installment, respectively. You can always monitor your payment schedule in the Klarna app.

What happens if I cancel or return my order?

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

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

Klarna will attempt to charge your "Pay in 3 interest-free instalments" payment to [MERCHANT] using the debit or credit card you provided at checkout. If payment cannot be debited by the due date, Klarna will make a second attempt to automatically charge the 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 attempting to collect it, and you can always monitor the due date in the Klarna app. If you fail to pay on time using the "Pay in 3 interest-free instalments" option, your credit score will not be affected.

The user was asked to go to the Klarna website. Is this correct?

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

Are my payment details safe?

Payment details are processed securely by Klarna. No card details are transferred or held by [MERCHANT]. All transactions are made using 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 visit Klarna.com/uk and pay in advance.

Was the payment successful?

Klarna will send you an email 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 not been successful. If a payment has been made but no payment confirmation has arrived, you can always check the status of your order and payments in the Klarna app or by visiting www.klarna.com/uk.

What happens to my bank statement after I return my 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 case of a partial return. With a full return, we will refund all payments collected and cancel all future scheduled payments. You can always track the status of your order in the Klarna app.

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

If you haven't received your order yet, please call [MERCHANT] to check on the status of your order and delivery. You can also contact Klarna Customer Service so we can extend your payment due date or place your order on hold in the Klarna app until delivery.

The customer canceled their order. How long will it take for me to receive a refund?

Once the store has registered the cancellation or return, the refund will be processed within 5-7 business days.

The user requested a refund. How will this be done?

Refunds will be made to the debit or credit card originally provided at checkout.

The user has not received any email regarding his or her bank statement or payment information.

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

How can I contact Klarna with further payment questions?

Please visit the Klarna app or the Klarna Customer Service page for a full list of frequently asked questions, contact telephone numbers, and live chat.

“Pay after delivery”

Frequently Asked Questions: Who is Klarna?

Klarna is a Swedish payment service provider that takes responsibility for users' payments. Klarna provides simplified payments for over 200,000 online stores. To date, more than 85 million customers worldwide have trusted Klarna with their payments. How does "Pay after delivery" work? Within two days of confirming your order, you will receive an email from Klarna with payment instructions. You then have 30 days to try the product and pay if you are satisfied. You can complete the payment online conveniently, at no additional cost, by credit or debit card on Klarna.app or by visiting www.klarna.com/uk. Who is eligible for the "Pay after delivery" option? To use "Pay after delivery" you must be at least 18 years old. Although the "Pay after delivery" option is widely advertised, it is subject to your financial circumstances. By choosing to take advantage of the "Pay later in 30 days" option, our review will not affect your credit rating. How can I increase my chances of being accepted for the "Pay after delivery" option? Klarna is unique and offers the "Pay after delivery" option based on a number of factors, such as order value, order history, and item availability. If you are over 18, you can increase your chances of taking advantage of the "Pay later in 30 days" option by ensuring you provide your full name and accurate address, and using your registered billing address for shipping. All orders are reviewed individually. Just because you have taken advantage of the "Pay after delivery" option previously doesn't mean you will be offered it for every order; and if you have been denied the option previously, it doesn't mean you will be denied for all future orders. Will a credit check be performed on you? Klarna may perform so-called soft credit checks (or soft credit checks) that 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] performs credit checks against you that could affect your credit score. Why isn't the "Pay after delivery" option available to everyone? Although the "Pay after delivery" option is widely advertised, it isn't always available to everyone. The "Pay after delivery" option is automatically generated by algorithms that depend on a number of factors, including the order total, online store, previous order history, and item availability. Alternatively, you can complete your order by paying by debit or credit card at checkout. What payment options are available with Klarna? You can pay by debit or credit card immediately at checkout or take advantage of the "Pay after delivery" option, which allows you to pay for your purchased items with your debit or credit card later. You can always track your pending payments in the Klarna app. What happens if I cancel or return my order? As soon as [MERCHANT] accepts the cancellation/return, Klarna will delete your statement or refund your payment. The return will be immediately visible in the Klarna app. What happens if I don't pay for my order? Your payment is due 30 days after the item ships. To help you pay on time, we'll notify you two days before your payment is due: you'll receive a push notification in the Klarna app or a reminder to pay via email, and if you're late, we'll also send you a text message or letter. If you don't pay on time using the "Pay after delivery" option, your credit score will not be affected. You have been asked to go to the Klarna website. Is this correct? If you have chosen to pay using the “Pay after delivery” option, Klarna will send you an email with further details on how to pay. This email will contain a link to the Klarna website where you can pay with your debit or credit card. You will always be able to see the payment instructions in the Klarna app. What do I need to provide when making a purchase? If you want to pay with Klarna, you will need to provide your name, address, and email address. For some orders, you may also need to provide your mobile phone number or date of birth. All information will be sent to your email address, including payment reminders and links to your online statements. It is very important that you provide us with the correct details, as otherwise your payment information may not arrive. Are my payment details safe? Your payment details are processed securely by Klarna. No card details are transferred or held by [MERCHANT]. All transactions are made using connections secured by the latest industry security protocols. Can I pay before the due date? You can pay for your order any time after receiving the email from Klarna with your payment details. Simply follow the instructions in this email or in the Klarna app explaining how to pay. Was your payment successful? If you pay by card, [MERCHANT] will confirm your order immediately. If you use the "Pay after delivery" option, Klarna will send a payment confirmation to the email address you entered when placing your order. If you've made a payment but haven't received a payment confirmation, you can always check the status of your order and payments by logging into the Klarna app or at www.klarna.com/uk. What happens to my statement after I return my goods? Once [MERCHANT] has received your return (partial or full) and you have received confirmation of receipt, Klarna will send you an updated statement in the case of a partial return. In the case of a full return, the statement will be closed. You can always track the status of your order in the Klarna app. You've received your statement but haven't received your goods yet. You have 30 days to pay, so you don't need to pay right away. If your due date is approaching and your goods haven't arrived, you should contact [MERCHANT] to verify delivery. You can also contact Klarna Customer Service so we can extend your payment due date or place your order on hold in the Klarna app until delivery. You've cancelled your order. How long will it take for me to receive my refund? Once the store registers your cancellation or return, your refund will be processed within 5 business days. I've requested a refund. How will this be processed? If you paid for your order with a card, the refund will be made to the same card. If your statement has not yet been paid, the refund will reduce the statement total or cancel it entirely. You haven't received an email regarding your statement or payment details. If you don't have your statement number, you can log in to the Klarna app or website www.klarna.com/uk, where you can find all your orders and make payments. How can I contact Klarna if I have any further questions about payments? Please see the Klarna app or the Klarna Customer Service page for a full list of FAQs, contact numbers, and live chat.