Klarna FAQ: Pay Later (In 3 Instalments)

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is theprovider of Smoooth payments to more than 170,000 online stores. Over 60 million consumers worldwide have trustedKlarna to securely handle their payments.


How does Pay later in 3 work?

Pay later in 3 will allow you to spread the cost of your purchase over 3 equal payments. The payment for eachinstalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalmentwill be collected when your order is confirmed by [MERCHANT] and instalments 2 and 3 are scheduled 30 and 60 dayslater, respectively.


Am I eligible for Pay later in 3?

To use Pay later in 3 you must be at least 18. Whilst this option is widely promoted, Pay later in 3 is subject to yourfinancial circumstances. When choosing Pay later in 3, our assessment will not affect your credit rating. 


How can I increase my chances of being accepted for Pay later in 3?

Klarna is unique and offers Pay later in 3 based on a number of factors such as the order value, previous order historyand item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 by ensuring youprovide your full name and accurate address details and shipping to your registered billing address. All orders areassessed individually. Just because you have been accepted for a Klarna payment method before does not mean it willbe offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.


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

If you want to make a purchase with Klarna using Pay later in 3, you'll need to provide your mobile phone number,email address, current billing address and a debit or card card. The mobile number is required in case we need to reachyou. All communications will be sent to your email address. It's very important that you give us the correct details, asotherwise you will not receive your payment schedule and any updated order information.


Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are onlyvisible to you and Klarna, but not visible to other lenders. Neither Klarna nor [MERCHANT] run credit searches againstyou that could impact your credit rating.


Why have I not been offered Pay later in 3?

Although Pay later in 3 is widely promoted it is not always universally available. The Pay later in 3 payment option isautomatically generated by algorithms that are dependent upon a number of factors including address details,cardholder details, amount of order, the online store, previous order history and item availability.


What are my payment options with Klarna?

Payment for your Pay later in 3 will automatically be collected from the debit or credit card you entered at checkout.The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days,respectively, after the first instalment.


What happens if I cancel or return my order?

As soon as [MERCHANT] have accepted your cancellation/return, Klarna will cancel any future scheduled payments aswell as refund any amounts due.


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

Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase at [MERCHANT] from thedebit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarnawill make one further attempt to automatically collect payment two days later. Should this last payment attempt fail,Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarnashall notify you when a payment is due two days in advance of attempting to collect your payment.


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

You can view all of your Klarna purchases and payment schedule simply by logging onto Klarna.com/uk.


Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by [MERCHANT]. Alltransactions take place via connections secured with the latest industry standard security protocols.


Can I pay before the due date?

No, this is not currently possible for Pay later in 3 purchases. 


Have you received my payment?

Klarna will notify you via email and push notification when a payment is due and when this has successfully becollected, or in the unlikely event of your payment failing. If a payment has been collected but you have not receivedpayment confirmation, you can always check the status of your order and payments by logging in atwww.klarna.com/uk.


What happens to my statement, when I've returned the goods?

Once [MERCHANT] has received the return (partial or full) and you have received their confirmation of this, an updatedstatement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a fullreturn, we shall refund any payments collected and cancel any future scheduled payments.


I've received a statement, but I've not yet received my goods.

In the event that your goods have not been received please call [MERCHANT] to check on your order and deliverystatus. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment.


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

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


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

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


I haven’t received an email with my statement/payment information.

You can log in at www.klarna.com/uk, where you will find all of your orders and payment schedule information.


I still have questions regarding payment, how can I get in touch?

Visit Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.