Klarna FAQ

 Pay After Delivery 

 

Who is Klarna?

Klarna is a payment service provider, from Sweden, who take end-to-end responsibility for your payment. They support 60 million consumers worldwide in over 70,000 online stores and are very safe to use

 

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

If you have chosen to Pay After Delivery (with a 14 or 30 day grace period), 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. If you do not pay Klarna within the grace period, late fees may apply

 

If Klarna gives me the option to Pay After Delivery within 14 or 30 days, does a credit search take place against me?

Neither Klarna nor EGO run credit searches against you that could impact your credit rating. Klarna may run a quotation search which is an enquiry which only you, and no other companies, can see and which does not affect credit scoring.

 

How does Klarna Pay After Delivery work?

After EGO has sent your order, you will receive an email with payment instructions, telling you when you need to pay by, it’s typically 14 or 30 days after the order is shipped. If you do not have your email to hand, you can contact Klarna’s Customer Service here.

 

What do I need to provide when I make a purchase?

If you want to make a purchase with Klarna you need to provide your name, address and email address. For some orders you may need to provide your mobile number or date of birth, too. All information will be sent to your email address, including payment reminders and links to your online statements. It's very important, that you give us the correct details, as otherwise you will not receive the payment information and so be liable for delayed payment fees.

 

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by EGO. All transactions take place via connections secured with the latest industry standard security protocols.

 

Why have I not been offered Pay After Delivery?

Although Pay After Delivery is widely promoted it is not always universally available. The Pay After Delivery method is automatically generated by algorithms that are dependent upon a number of factors including amount of order, the e-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 immediately with debit or credit card (Visa/Mastercard) in the checkout or take advantage of our Pay After Delivery payment option, where you can pay for the goods once you have received them via debit or credit card.

 

How do I pay for my order?

If you have received your goods and want to pay, either log in at www.klarna.com or click the link from the email Klarna sent you regarding this order. If you cannot log in to pay, contact Klarna’s Customer Service here

 

Have you received my payment?

If you pay by card, EGO will confirm your order right away. If paying by Pay After Delivery, Klarna will send you a payment confirmation to the email address that you have used for your order. If you have made a payment but not received the payment confirmation, you can always check the status of your order and payments by logging in at www.klarna.com.

 

What should I do if I want to cancel my order?

If you would like to cancel your order, we ask you to contact the store where you made your purchase.

 

I have cancelled my order. How long will it take until I receive my refund if I paid by card?

As soon as the store have registered your cancellation or your return, the refund will be processed within 5 business days.

 

With Pay After Delivery, what should I do if I want to return part or all of my order?

If you are close to your Pay After Delivery payment due date, you should also contact our Customer Service who will make any necessary adjustments to the statement and provide further help if needed.

 

What happens to my invoice, when I've returned the goods?

Once the store has received the return (partial or full) and you have received their confirmation of this, an updated statement will be closed.

 

I've received an invoice, but I've not yet received my goods

With Klarna’s Pay After Delivery, you have either 14 or 30 days to pay, so you don’t need to pay right away. If your due date is near and there is no sign of your goods, please call the store to check on delivery. You can also contact Klarna Customer Service so that we can postpone the due date on your payment

 

How will I be refunded?

If you have paid for your order with card, the refund will be made back to the same card. If you paid using bank transfer, you will need to provide Klarna with your IBAN number in order for Klarna to make the repayment. If you have not paid the invoice yet, then the refund will reduce the invoice or cancel it completely.

 

I still have questions regarding payment, can I speak to someone at Klarna?

Visit Customer Service for Live Chat or call 020 300 50833 Monday - Saturday 9.00 AM - 6.00 PM, closed Sunday.

 

Merchant Dependant Questions

Can I request delivery to an address other than my billing address?

Yes. When selecting Klarna as a payment method, you can choose to deliver the goods to an address other than your billing address. At the checkout, you will be given the option to enter a separate delivery address

 

Pay In Three 

Pay later in 3 interest-free instalments Frequently Asked Questions 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.

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 [MERCHANT] 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.

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 [MERCHANT] run credit searches against you that could impact your credit rating.

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.

What happens if I cancel or return my order?

As soon as [MERCHANT] 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 [MERCHANT] 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 [MERCHANT]. 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 [MERCHANT] 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 [MERCHANT] 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.

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