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You may be offered 3 payment options by Klarna

Pay now

This is how most websites offer their payment where the transaction takes the payment straight away.

How does Pay later work?

With Pay later, you can pay for your order 14 or 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.

Pay later in 3

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 by the merchant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. Please note that the minimum basket of £35 and a maximum of £1000, is required to qualify for Pay later in 3.

Why have I not been offered Pay later in 3?

Although Pay later in 3 is widely promoted it is not always universally available. The Pay later in 3 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.

Refunds

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

Once the online store has registered your cancellation or return, the repayment will be processed in five to seven bank days. In the case of a return or cancellation of an order where you have not yet paid, no refund will be made.

How does Klarna handle refunds?

If you are using Pay Later in 3, your refund will be available as a positive balance in your account with Klarna. This allows you to purchase again using your account at any participating online stores. If you have paid for your order with a card, the refund will be made back to the same card. Returned or cancelled orders should first be registered with the online store. The refund will be processed within the next 14 days of the online store logging the returned or cancelled order.

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