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"Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions".
Why Have I Not Been Offered Pay Later In 3?
Pay Later
How does Pay later work?
With Pay later, you can pay for your order 14 or 30 days after shipping, depending on the store. If your Pay later request is accepted, we will send you an email with payment instructions once your order is shipped. Just follow the link in the email to view your order.
Has Klarna received my payment?
Once we have received your payment we will send a payment confirmation email to the address you used when ordering. If you do not receive this confirmation, please login here to see your payment status. You can also see the status of your orders in the Klarna app for iOS and Android.
I haven't received the email enclosing my statement number/payment information.
If you do not have your statement number to hand, please login here with your email address to find the payment details for your statement. Alternatively, you can log in to the Klarna app for iOS and Android.
Can I send my order to an address other than my billing address?
Yes. You can enter a separate delivery address at the checkout. We recommend that if you are new to Klarna and you haven’t used the Pay later option before, you should have your first order delivered to your billing address. This maximizes the chances of your purchase being accepted.
How is my statement sent?
If you have chosen to Pay later, we’ll send you an email explaining how and when to pay.
How do I make a payment?
You can pay for your purchases whenever you want. Simply log in here and make a secure payment with either a debit or credit card. Logging in is quick and easy, just follow these three steps:
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Select Log in or click here or login to the Klarna app for iOS or Android
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Enter your email address used when making the purchase
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No passwords required, simply select the secure login link Klarna has just sent to the above email address
When should I receive my Pay later statement?
Your statement will be sent once the online store has shipped your order by email. Please note, you do not need to pay before
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To increase your eligibility for Pay later, please help us eliminate some top decline reasons
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Ensure your name and billing address match those held by your bank account or electoral roll.
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Retry - ensuring delivery of goods to your billing address.
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Attempt to order with a lower basket value, if possible.
Note: If you have recently paid a Pay later order, please allow up to 48 hours for this to clear (we are trying to improve this process!) -
Pay Later In 3
How does Pay later in 3 work?
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.
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 3 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.
Am I eligible for Pay later in 3?
To use Pay later in 3 you must be at least 18. Whilst this option is widely promoted, Pay later in 3 is subject to your financial circumstances. When choosing Pay later in 3, our assessment will not affect your credit rating
What happens to my statement, when I've returned the goods?
Once the 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.
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, you'll need to provide the following : - Your phone number - Email Address - Current billing address - A valid debit/credit card All correspondence would be sent to your email address however, your mobile number is required should we need to reach you. It's important that all this information is up to date otherwise you will not receive your payment schedule and any updated order information.