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 provider of simplified payments for over 200,000 online stores. To date, more than 85 million customers worldwide have relied on Klarna for 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 over 3 equal payments. Payments for each installment will be automatically charged to the debit or credit card provided at checkout. The first installment will be charged when the order is confirmed by [MERCHANT], and the second and third installments will be charged 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 the user's financial circumstances. By choosing to use the "Pay in 3 interest-free installments" option, our analysis will not affect the user's credit rating.

How can you increase your chances of being accepted for the "Pay in 3 interest-free installments" option?

Klarna is unique and offers 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 using the "Pay in 3 interest-free installments" option by ensuring you provide your full name and an accurate address, as well as using your registered billing address for shipping. All orders are reviewed individually. Just because you have used the "Pay in 3 interest-free installments" option before does not mean that you will be offered it for every order; and, if the option was

denied to you previously, it does not mean it will be for all future orders.

What does the user need 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 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 details, otherwise your payment schedule and any order updates may not arrive.

Will a credit check be performed on the user?

Klarna may perform so-called unrecorded inquiries (or soft credit checks) which have no effect on your credit score and are only visible to you and Klarna, but are not visible to other credit institutions. Neither Klarna nor [MERCHANT] performs credit checks on the user that could affect their credit score.

Why is the "Pay in 3 interest-free installments" option not 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,
previous order history, and item availability.

What payment options are available with Klarna?

Payments for "Pay in 3 interest-free installments" will be automatically charged to the debit or credit card provided at checkout. The first payment will be charged when the 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 the order is canceled or returned?

As soon as [MERCHANT] accepts the 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 the order is not paid?

Klarna will attempt to charge the payment for the "Pay in 3 interest-free installments" to [MERCHANT] on the debit or credit card provided at checkout. If the payment cannot be charged on 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 communicate the payment due date two days before attempting to collect it, and you can always monitor the due date in the Klarna application. 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 Klarna's website. Is that correct?

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

Is the user's payment data secure?

Payment data is processed securely by Klarna. No card data is transferred or retained by [MERCHANT]. All transactions occur with 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 log in to the website Klarna.com/uk and pay early.

Was the payment successful?

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

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

Once [MERCHANT] has received the return (partial or full) and you have received confirmation of receipt, Klarna will send a statement with an updated payment plan in the case of a partial return. With a full return of the goods, we will refund all collected payments and cancel all future scheduled payments. You can always monitor the status of your 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, please call [MERCHANT] to check the status of the order and its delivery. You can also contact Klarna Customer Service so that we can postpone the payment due date or put the order on hold in the Klarna app pending delivery.

The user has canceled their order. How long will it take to receive the refund?

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

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

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

The user has not received any email regarding their statement or payment details.

You can access the Klarna app or the website ​www.klarna.com/uk​, where you can find all your orders and scheduled payment information.

How can Klarna be contacted for further payment inquiries?

Consult the Klarna app or ​the Klarna Customer Service page​ for a full list of frequently asked questions, phone numbers, and live chat.