What is Klarna?
Klarna is a global payments provider that works with retailers to give customers the smoothest online shopping experience by providing unique payment options and superior customer experience. Klarna has 2,500 employees around the world and is leading the way for alternative payments by serving 60 million consumers and 130,000 merchants. Learn more.
How does Pay in 30 days work?
With Pay in 30 days, you can pay for your order 30 days after shipping. If your Pay later request is accepted, Klarna will send you an email with payment instructions once your order is shipped. Just follow the link in the email to view your order or check your purchase in the Klarna app.
Does Pay in 30 days impact my credit score?
Klarna may run a soft credit search that does not affect a customers credit score and is only visible on your credit file by you and Klarna. Neither Klarna nor our merchants run credit searches that could impact your credit rating. This includes at the point of application, if a payment is missed, or if the outstanding balance enters a debt collection stage.
What is Financing and how does it work?
Financing gives you the option to start paying for your goods after you have received them.
The first time you choose to buy with Financing, you will be asked to apply for a Klarna Account at the checkout phase. We will then carry out an affordability assessment. If you are approved we will then create your account.
If you already have a Klarna account the order amount of any purchases you make with the Financing option will be added to your total balance, provided the new purchase does not take you over your available credit limit.
Payment information is processed securely by Klarna. All transactions take place via secure connections secured protected with the latest industry standard security protocols.
Am I eligible for Instalments?
To use Instalments you must be at least 18. Whilst this option is widely promoted, Instalments is subject to your financial circumstances. When choosing Instalments, our assessment will not affect your credit rating.
What happens if I cancel or return my order?
As soon as the merchant has accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due.
How do I reach Klarna?
You can reach Klarna anytime at https://www.klarna.com/uk/customer-service/