Who is Klarna? 

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than  200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.    

 

Pay later in 3 interest-free instalments  Frequently Asked Questions

 How does Pay later in 3 interest-free instalments work?  

Pay later in 3 interest-free instalments 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 by Kizzies and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the ​Klarna app.    

Am I eligible for Pay later in 3 interest-free instalments?  

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

How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?  

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

Why have I not been offered Pay later in 3 interest-free instalments?  

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically 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 interest-free instalments 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. You can always monitor your payments’ schedule in the Klarna app.  

 

Pay later in 30 days  Frequently Asked Questions 

How does Pay later in 30 days work? 

Once your order is confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to try on your order and only pay when you’re happy. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card in Klarna.app or by logging into  www.klarna.com/uk​. 

Am I eligible for Pay later in 30 days? 

To use Pay later in 30 days you must be at least 18. Whilst this option is widely promoted, Pay later in 30 days is subject to your financial circumstances. When  choosing Pay later in 30 days, our assessment will not affect your credit rating.   

How can I increase my chances of being accepted for Pay later in 30 days? 

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

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 only visible to you and Klarna, but not visible to  other lenders. Neither Klarna nor Kizzies run credit searches against you that could impact your credit rating.   

Why have I not been offered Pay later in 30 days? 

Although Pay later in 30 days is widely promoted it is not always universally available. The Pay later in 30 days 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. Alternatively, you are able to  complete your order by paying by credit or debit card at the checkout.   

What are my payment options with Klarna? 

You can pay with debit or credit card immediately in the checkout or take advantage of our Pay later in 30 days payment option, where you can pay for the goods  once you have received them via credit card or debit card. You can always monitor your outstanding payments in the Klarna app.    

What happens if I cancel or return my order?  

As soon as Kizzies have accepted your cancellation/return, then Klarna will cancel the statement or refund your payment. The return will be reflected in the  Klarna app immediately.    

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, we'll alert you two days before payment is due – you'll receive a push notification from  the Klarna app or email reminders to pay – and, if very late, we’ll also send you a text or letter, too. Your credit score will not be impacted by using Klarna’s ‘Pay  later in 30 days’ products even if you have failed to pay on time.    

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

If you have chosen to Pay later in 30 days, Klarna will send you an email with further details on how to pay. Your email will contain a link to Klarna where you can  settle your payment with your credit or debit card. You are always able to view payments instructions in the Klarna app.   

 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 interest-free instalments, 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 reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise 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 only visible to you and Klarna, but not visible to  other lenders. Neither Klarna nor Kizzies run credit searches against you that could impact your credit rating.     

What happens if I cancel or return my order?  

As soon as Kizzies have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return  will be reflected in the Klarna app immediately.    

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

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Kizzies from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will 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. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in  Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time.   

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

You can view all of your Klarna purchases and payment schedule in the Klarna app or 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 Kizzies. All transactions take place via connections  secured with the latest industry standard security protocols.   

Can I pay before the due date?  

Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.   

Have you received my payment?  

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely  event of your payment failing. If a payment has been collected but you have not received payment confirmation, 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 to my statement, when I've returned the goods?  

Once Kizzies has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled  payments. You are always able to monitor the status of your order in the Klarna app.   

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 Kizzies to check on your order and delivery status. You can also contact Klarna’s Customer  Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.   

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 business days.    

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 the Klarna app or at​ www.klarna.com/uk​, where you will find all of your orders and payment schedule information. 

Frequently Asked Questions   

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Missed payments may affect your ability to use Klarna in the future. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions”

How does it work?  

Spread the cost of your purchase into equal monthly. It is a promotional plan on the Klarna Account.   

How do I use it?  

When you shop online, Klarna’s system reviews each order to determine which payment options are available to you. If it is offered, simply select this  option. The first time you shop with Klarna you will be asked to apply for a Klarna Account. If you’re approved Klarna will create an account for you and your  order will be placed. Every time you shop with it after that, you only need to agree to the purchase and won’t need to sign up again. The order amount will  be added to your Klarna Account as additional promotional plans. You can always monitor the payments due in the ​Klarna app​.    

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

If you have chosen to pay by Klarna, Klarna will send you an email with further details on how to pay.   

 

How do I manage my Klarna Account?  

Log in to the Klarna App or Klarna.com/uk at any time day or night, to review your purchases and settle your monthly statement. If you need further assistance, you  can contact Klarna’s Customer Service team.   

How can I increase my chances of being accepted?  

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

How is my statement sent?  

If you chose to use Klarna, we will send your monthly statement notification via email with instructions on how to make a payment and an overview of your  Klarna Account. Once you have been landed on your Klarna Account overview page, simply select ‘Make a payment’ and enter the amount you wish to pay towards  your balance. You can always monitor the active statements in Klarna app at your convenience. 

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

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