This is a credit agreement between you and us. When we use ‘us’, ‘we’ or ‘our’ in this document, we mean Klarna Bank AB UK Branch. When we use ‘you’ in this document, we mean anyone who has bought something using Pay in 3 instalments with Klarna. 

1. Who can use Pay in 3?

You must be a UK resident, over 18 years old and have a valid payment card to use Pay in 3. When we say ‘valid payment card’, we mean the card must be in your name, and must not have expired. You  should also make sure the card you use has enough money available to cover all the instalments. 

Pay in 3 is a credit product. It’s our decision whether or not we start a credit agreement with you.

2. How do I Pay in 3 instalments?

With Pay in 3, you can pay for something you buy by dividing the cost into three equal instalments. At checkout, you’ll see an option to ‘Pay Later in 3 interest-free instalments’. When you choose this option, just enter your card details to complete your purchase. 

There won’t be any interest, fees or charges for using a debit or credit card by Klarna. Although your bank might charge you interest or other fees on top if you pay using an interest-bearing credit card, for example. 

3. Are there any alternative options for paying off my balance?

Yes, you are able to make payment early through the Klarna App by paying by card immediately or you can request our bank account details from our Customer Services team for direct bank transfer. If a payment is made earlier, and the balance cleared we will not continue charging your card.

4. Which cards does Klarna accept?

Klarna accepts most cards except prepaid cards. We may also not accept a card that’s due to expire in the near future. We’ll let you know at checkout if your card hasn’t been accepted.

5. When will Klarna take my payments?

At the point of purchase we’ll  freeze the first of your three instalments on your card. This means you won’t be able to spend this money on anything else. Once we've received confirmation that your items have been shipped, or that the order has been processed, the first of your three payments will be taken from your card automatically using the frozen amount. You’ll be able to see this on your card statement. If your items are not shipped, we’ll unfreeze or refund your money and you’ll be able to spend it again. This may take a few days depending on which bank you’re with.

The second payment will be taken 30 days after the first payment, and the last one 60 days after the first payment. We’ll charge your card automatically when your payment is due so you don’t have to pay us back manually or worry about missing a payment. 

The dates these payments are due will be sent to you by email, and you’ll be able to check them in our app. 

Sometimes the shop (instore or online merchant) doesn’t charge you for your whole order all at once. They might do this if they ship your items at different times. If this happens, we’ll make a new Pay in 3 plan for each part order they make. Each of these order parts will have its own due date, depending on when the shop confirms that part of your order. 

6. What happens if my card is cancelled, or my card details change?

If your card is cancelled, you’ll still have to pay us any money you owe as soon as we ask you to.

If your card details change between your purchase and your final payment, you must tell us your new details. You can do this online. If you don’t give us this information, we might ask the bank for your details. 

7. What happens if I cancel my order?

Your cancellation is subject to the store’s cancellation policy, so you need to check the store’s website for information on their cancellation policy and instructions on how to cancel an order and return the good(s) if already received.

If your next payment or due date for the cancelled order is approaching, you can pause billing by choosing that order in the Klarna App and click “Report a problem”.

Once the store has confirmed the cancellation or return, Klarna will update your payments accordingly as well as refund any amounts due. Refund processing times to you may vary and can take up to 14 days depending on the consumer’s bank.

If you cancel your order, we’ll cancel any outstanding payments and pay back any amounts we’ve already taken from your card. We’ll do our best to pay you back as soon as we can.

If you want to return part of your order, we’ll take the amount from your outstanding balance. It won’t count as a payment, so you’ll need to continue making your payments on the dates they’re due until your balance is paid in full.

8. How and when will I receive my refund?

Refunds for Pay in 3 are processed in different ways. It depends on the status of your payment schedule, how much you’ve paid and if the merchant has processed a full or partial refund.

Full refund

If you’re due a full refund , we’ll cancel any remaining payments and refund anything you’ve already paid to the card you used to make the payment.

Partial refund

If you’re due a partial refund  that’s more than the remaining balance on your order, we’ll deduct the amount from the outstanding balance first. We'll then refund the difference to the card you used to pay off the purchase.

If the partial refund is less than the remaining balance on your order, we’ll deduct the amount from the outstanding balance. We’ll then spread the remaining balance evenly over the remaining payments.

9. What happens if you can’t take an instalment because I don’t have enough money on my card?

If we can’t take the first instalment from your card, we’ll let you know, and try up to two times again to take the money. We’ll let you know when we’re going to try again, so you’ll have plenty of time to put some money onto your card to make the payment.

If we can’t take the money from you after two attempts, we’ll roll the missed payment over to the second instalment. If we can’t take the second instalment, we’ll give you a few days to update your card details or make sure there’s enough money on your card. 

If we still can’t take payment after two more attempts, we’ll roll over the payment to the next and final instalment. If we still can’t take the payment, we’ll try again twice. If we’re still not successful, we might ask you to pay the outstanding amount directly or use a debt collection agency to collect the money for us. 

Klarna will always get in touch with you before charging your card. We will also contact you if we roll over a payment to the next due date or if we have to use a debt collection agency.

Not paying your instalments on time might also mean you can’t use Klarna in the future. We will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time.

10. Will using Klarna affect my credit score?

No. We might carry out a limited credit search on you at a credit reference agency. This is a ‘soft credit check’, and won’t affect your credit score, or your chances of using credit in the future. You’ll be able to see it on your credit file, but no one else will. 

We will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Failure to pay on time  might affect your ability to obtain credit in the future from Klarna and other lenders. More information about reporting to credit reference agencies can be found in Klarnas Privacy Notice.

11. How does Klarna store my card details and my personal data?

We store your card details on our systems when you shop with us. We’ll use these details to approve future payments. Unless you opt out, we may also use this information to fill out your card details for your convenience when you buy things in the future. 

You can manage your cards online. If Klarna gets updated card details from your bank, we might also store this information on our system.

We use your personal data to identify you and to carry out customer analysis, credit assessments, credit reporting to credit reference agencies, marketing and business development. We might also share your data with some partners (such as credit reference bureaus), which might be based outside of the UK.

Please see our Privacy Notice here for more information about your rights, how you can get in touch with us, or to complain. By using Klarna’s services you confirm that you’ve read this notice. 

12. How do I make a complaint?

You can make a complaint through our customer service webpage using our live chat feature, or by calling us on (+44) 0808 189 3333. We try to handle all complaints as quickly and smoothly as possible. 

If you’re not happy with our response, you can contact Klarna’s Complaints Adjudicator. Use the form provided alongside your final response. 

You can find our full complaints information here. 

13. Transfer of rights

This is a credit agreement between you and us. You can’t transfer your rights or obligations to anyone else unless you get our permission first. 

We can transfer these terms, or any rights and obligations you have under them, at any time. We don’t need to ask for your consent to do this, unless transferring would harm your rights and responsibilities. This means we have the right to transfer the credit agreement to another provider without asking you.

14. Klarna

Klarna Bank AB UK Branch is a branch of Klarna Bank AB which is authorised and regulated by the Swedish Financial Services Authority. Klarna is authorised by the Prudential Regulation Authority. It is subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Klarna Bank AB offers both regulated and unregulated products. Klarna's Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Klarna Bank AB UK Branch’s number is BR020956 and its address is Aviation House, 125 Kingsway, Holborn, London, WC2B 6NH, United Kingdom, with FCA reference number 536065. Klarna Bank AB’s headquarters are at Sveavägen 46, 111 34, Stockholm, Sweden, registered in the Swedish Commercial Register under registration number 556737-0431.

For further information about Klarna, go to: https://www.klarna.com/uk/

KLARNA PAY LATER FAQ

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 glamify fashion online ltd 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 glamify fashion online ltd 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 glamify fashion online ltd 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 glamify fashion online ltd 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 glamify fashion online ltd. 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 glamify fashion online ltd 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 glamify fashion online ltd 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.