How Klarna Payments Work
Put your items into your basket and head to checkout as usual. When selecting payment, make sure Klarna is selected.
No signup or account is required. Select the Klarna option and double check you're happy with the selected payment instalments. You just need to be at least 18, be a UK resident and have a UK debit or credit card.
Pay later in 3 payments will allow you to spread the cost of your purchase over 3 equal instalments or 30 days. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first payment will be made when your order is confirmed and instalments 2 and 3 are scheduled 30 and 60 days later. If you opted for 30 days one payment will be taken on the final day unless paid before.
What you need to know
A) What is buy now pay later?
These Pay later terms apply between you and this store where you purchase your goods, tickets, or services when you choose Pay later as your payment method. When you choose Pay later, we offer you the possibility to pay on a due date 30 days from the shipment of the goods or tickets/availability date of the services or digital content. We assign our claim for payment due on your purchase to Klarna Bank AB (“Klarna”). Klarna will send you a payment instruction to pay directly to Klarna. For contact details and further information about Klarna, go to: klarna.co.uk.
B) Do I have to pay off my bill to receive the goods?
Klarna offers consumers Buyer Protection which means for example that you as a consumer do not have to pay for the ordered goods until you have received them, and that Klarna will assist you with problems related to your purchase. For more information and instructions please go to: https://www.klarna.com/uk/buyer-protection-description/.
C) Personal data handling
If you choose Pay later, Klarna will assess your creditworthiness. Klarna processes your personal data in order to carry out our obligations in this agreement and for the additional purposes set out in our Privacy Notice. The Privacy Notice is available here, and on our website, and by using Klarna’s services you confirm that you have read this Notice. We process your personal data for example to identify you and perform customer analysis, credit assessments, marketing, and business development. We may also transfer your data to selected partners (such as credit reference bureaus), which may be established outside of the EU/EEA. In the Privacy Notice there is more information about our data sharing, your rights in regards to your data, how you may contact us with questions, or submit a complaint to an authority.
D) Important Information
You must be 18 years old. The card is valid and issued to you. It is at our discretion whether you can pay with this payment option. We may carry out a limited credit search on you at a credit reference agency. This search will not affect your credit score or your chances of obtaining a credit in future. If we do not carry out a limited credit search we will validate your card and request authorisation from your card issuer. In this case there will be no entry shown on your credit file for these payments. If we are not able to take any of the remaining two payments from your card on the due dates we will send you an invoice for the remaining amount for immediate payment. If you do not pay we will treat your non-payment as a debt and follow our debt collection procedures. If your card is cancelled you will immediately pay us all the remaining payments when we ask you to. If your card details change between your initial purchase and final payment, you agree to notify Klarna of your updated card information. Klarna will provide you an online method to provide these updates. If you fail to provide updated information, you authorize Klarna to obtain the updated details from your card issuer, if available. Failure to provide updated information may result in delayed payment fees. You authorize us to store your card details on our systems. We will use this information to authorize future payments under these Terms. Unless you opt out, we may also use this information to conveniently pre-fill your card details for future purchases. You may manage your cards and details online. In the event Klarna obtains updated card information from your card issuer, you agree that we may store this updated information on our system. You can pay any remaining payments at any time and we will not charge you for doing so. If you cancel your purchase we will cancel any remaining payments and pay back to your card any amounts we have taken.
E) What do you do with my data?
Klarna processes your personal data in order to carry out our obligations in this agreement and for the additional purposes set out in our Privacy Notice. The Privacy Notice is available here, and on our website, and by using Klarna’s services you confirm that you have read this Notice. We process your personal data for example to identify you and perform customer analysis, credit assessments, marketing, and business development. We may also transfer your data to selected partners (such as credit reference bureaus), which may be established outside of the EU/EEA. In the Privacy Notice, there is more information about our data sharing, your rights in regards to your data, and how you may contact us with questions, or submit a complaint to an authority.
F) Klarna Service Complaints
For any complaints against us, the information provided on our website apply. Complaints in relation to Klarna can also be submitted in writing or orally to Klarna's dispute resolution department through the contact form on Klarna’s website at www.klarna.com, via https://www.klarna.com/customer-service/customer-service-mail-form or via postal mail with the keyword "Complaint” to Klarna’s registered address. If Klarna is unable to resolve a complaint, You may refer Your complaint to the Swedish National Board for Consumer Disputes (ARN) at Allmänna reklamationsnämnden, Post box 174, 101 23 Stockholm, Sweden. Klarna will participate in such proceedings and is obliged to do so under applicable law. Information on access requirements can be found on ARN’s website: http://www.arn.se. You can submit your dispute in any official language of the European Union via the ODR-platform provided by the European Commission. The dispute will then be forwarded to ARN. You can find the ODR platform here: https://ec.europa.eu/consumers/odr/.
G) What countries can use Klarna?
Klarna Checkout is available in Sweden, Norway, Finland, Denmark, Germany, Austria, The Netherlands, Great Britain and the USA. Klarna’s payment methods as individual products are available in Sweden, Norway, Finland, Denmark, Germany, Austria, The Netherlands, Great Britain and the USA. Klarna Checkout Global allows you to take orders with card payments in the following currencies: AUD, CAD, CHF, DKK, EUR, GBP, NOK, SEK and USD.
H) Using Pay in 3.
The following Terms apply between Klarna Bank AB (publ) (“Klarna”, “we” or “us”) and you who has made a purchase and want a smooth payment experience. If you choose this payment option you agree to these Terms. This is a payment option you can choose to part pay your purchases by dividing the cost into 3 equal payments without any interest, fees or charges using a credit or debit card. However, the issuer of your card may charge interest or other fees under the terms of your card agreement.