Klarna Pay Later, and Klarna Pay in 3 Instalments

What is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the payment provider of more than 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

In which countries is Klarna available as a payment method?

Klarna is available to customers shipping to the United Kingdom, United States, Austria, Switzerland, Germany, Denmark, Finland, Netherlands, Norway and Sweden.

How does Pay later work?

Once your order is confirmed, you'll receive an email with payment instructions within two days from Klarna. Complete the payment online, within 30 days, with no extra cost. You can pay via credit or debit card at www.klarna.com/uk

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 each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. The minimum spend is £60/€60.

Am I eligible for Pay later?

To use Pay later you must be at least 18. Pay later is subject to your financial circumstances and a number of factors such as order value, previous order history and item availability. To improve your chances of being offered Pay Later please ensure you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. If you have had Pay later before does not mean it will be offered for every order and in turn, if previously denied it does not mean it will be denied for all future orders. When choosing Pay later, the assessment will not affect your credit rating.

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

If you want to make a purchase with Klarna, you'll need to provide your mobile phone number and your email address. The mobile number is required in case we need to reach you. All statements will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive the payment information and so will be liable for delayed payment fees.

Will you run a credit search against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Markus Lupfer run credit searches against you that could impact your credit rating.

Why have I not been offered Pay later?

Pay later is not always universally available. The Pay later method is automatically generated by algorithms that are dependent upon a number of factors including amount of order, the online store, previous order history and item availability. If Pay Later is not available there are other payment methods available to complete your order, such as VISA, Mastercard, Maestro and AMEX, Alipay, WeChat Pay and Union Pay, Paypal, and Apple Pay.

What happens if I cancel or return my order?

As soon as our Returns Department have accepted your return Klarna will cancel the statement or refund your payment. If you've made a partial return an updated statement will be sent to you from Klarna, if you've made a full return your statement will be closed.

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

Payment is due 30 days after the item is shipped. To help you pay on time, Klarna alert you two days before payment is due – you'll receive email reminders to pay – and, if very late, Klarna also send you a text or letter, too. If you fail to pay Klarna for your order, your credit score will be affected.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Markus Lupfer. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?

You can pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on this email to pay for your order.

Have you received my payment?

Klarna will send you a payment confirmation to the email address that you have used for your order. If you have made a payment but not received the payment confirmation, you can always check the status of your order and payments by logging in at www.klarna.com.

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

As soon as we have registered your cancellation with Klarna they will process your refund within 5 business days.

How will I be refunded?

If you have paid for your order with card, the refund will be made back to the same card. If you have not paid the statement yet, then the refund will reduce the statement or cancel it completely.

Which other payment methods do you accept?

Our payment methods are based on your location and can include:
Credit/debit card payments via Visa, Mastercard, Maestro and AMEX.
Paypal, an easy way to shop online without having to enter your credit card details on the website. To register for a PayPal account visit the website paypal.com.
AliPay, WeChat Pay and Union Pay.
Klarna Pay Later, and Klarna Pay Later In 3 Instalments.
On mobile devices we accept Apple Pay.