Klarna installments

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

Who is Klarna?

Klarna is a Swedish payment service provider that takes responsibility for user payments. Klarna is the simplified payments provider for over

200,000 online stores. So far, more than 85 million customers around the world have trusted Klarna with their payments.

How does the "Pay in 3 installments without interest" option work?

"Pay in 3 installments without interest" allows you to defer the cost of your purchase in 3 equal payments. Payments for each installment will be automatically charged to the debit or credit card indicated at the time of payment. The first installment will be charged when the order is confirmed by [MERCHANT] and the second and third installments will be 30 and 60 days later, respectively. You can always monitor your payment schedule in the Klarna app.

Who is entitled to the "Pay in 3 installments without interest?"

To use the "Pay in 3 installments without interest" option, you must be at least 18 years old. Although the "Pay in 3 installments without interest" "option is widely advertised,

is subject to the financial circumstances of the user. By choosing to take advantage of the "Pay in 3 installments without interest" option, our analysis will not affect the credit rating of the user.

How can the chances of being accepted for the "Pay in 3 installments without interest" option be increased?

Klarna is unique and offers the option "Pay in 3 installments without interest" "based on a number of factors such as order value, order history and item availability. Self

the user is over 18 years old, he can increase his chances of using the "Pay in 3 installments without interest" "option by making sure to provide his full name and address accurate, as well as using your registered billing address for shipping. All orders are individually reviewed. Only because the user has used it the "Pay in 3 installments without interest" option previously does not mean that they will be offered to use it for each order; and, if the option it has been denied previously, it does not mean that it will be denied for all future orders.

What must the user provide when making a purchase?

If the user wishes to make a purchase with Klarna using the "Pay in 3 installments without interest" option, it will be necessary to provide his telephone number, email address, the current billing address and the number of a debit or credit card. The mobile number is required in case we need to contact the user. All communications will be sent by email. It is very important that we are provided with the correct data, because otherwise the payment schedule and any order updates they may not arrive.

Will a credit search be carried out against the user?

Klarna can make so-called undocumented requests (or soft credit searches) which have no effect on the credit score and are visible only to the user and to
Klarna, but they are not visible to other lenders. Neither Klarna nor [MERCHANT] carry out credit searches against the user that could affect his credit score credit.

Why is the "Pay in 3 installments without interest" option not accessible to everyone?

Although the "Pay in 3 installments without interest" option is widely advertised, it is not always available to everyone. The "Pay in 3 installments without interest" option is generated automatically by algorithms that depend on a number of factors including the address, the cardholder data, the order total, the online store, the history of previous orders and the availability of the item.

What payment options are available with Klarna?

Payments for the installments of the "Pay in 3 installments without interest" option will be automatically charged to the debit or credit card indicated at the time of payment. The first payment will be charged when the order is confirmed. The second and third installments will be charged respectively 30 and 60 days after the first installment. It's possible 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 also 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 debit the payment for the “Pay in 3 installments without interest” installments at [MERCHANT] on the debit or credit card indicated at the time of payment.

If it is not possible to debit the payment on the due date, Klarna will make a second attempt to automatically debit the payment two days later.

Should this attempt not go tosuccessful, Klarna will issue a statement for the entire outstanding amount which will become payable 15 days later. Klarna will communicate the payment due two days before attempting to redeem it and it will always be possible to monitor the due date in the Klarna application. If you don't pay on time using the "Pay in 3 installments without interest" option, the credit score will not be affected.

The user was asked to go to the Klarna website. It's correct?

You can view all Klarna purchases and payment schedules in the Klarna app or by logging into Klarna.com/uk.

Are the user's payment details safe?

Your payment details are processed securely by Klarna. No card data is transferred or held by [MERCHANT]. All transactions take place with connections
secured by the latest industry security protocols.

Is it possible to pay before the due date?

Yes. Just go to the Klarnba app or go to the Klarna.com/uk website and pay in advance.

The payment has been 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 is not successful. If a payment has been made but no confirmation of payment has arrived, it will always be possible check the status of the order and payments in the Klarna app or by accessing the website www.klarna.com/uk

What happens to the user's account statement after the goods are returned?

Once [MERCHANT] has received the return (partial or total) and the user has received the confirmation of receipt, Klarna will send an account statement with a payment plan updated in the case of a partial return. With a full merchandise return, we will refund all payments received and cancel all future scheduled payments. The user will be able to always monitor the status of your order in the Klarna app.

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

In the event that the goods have not yet been received, call [MERCHANT] to check the status of the order and its delivery. You can also contact the Service
Klarna customers 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 his order. How long will it take before I get my 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 made?

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

The user has not received any email relating to his account statement or payment details.

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

How can I contact Klarna if I have additional payment concerns?

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