Buy now, pay later with Klarna
Klarna is a Swedish payment service provider designed to offer smooth and secure transactions in over 70,000 online stores worldwide. More than 60 million consumers trust Klarna to handle their payments, while benefiting from flexible options like "Pay later" and "Pay in 3." Klarna helps you make purchases responsibly, tailored to your personal finances.
Why choose Klarna?
- Flexibility and simplicity – Klarna allows you to pay later or in installments at no extra cost, subject to your financial situation.
- Enhanced security – Enjoy a secure payment system used by millions of consumers worldwide.
- Simplified management – Easily view and manage your invoices online via Klarna.com.
How to benefit from Klarna's advantages?
You must be at least 18 years old to access the "Pay later" option and spend a minimum of €35 to use "Pay in 3." It is essential to provide a valid postal address and use these options based on your financial situation.
Pay later with Klarna
Opt for peace of mind by delaying payment up to 30 days after your purchase, while keeping control of your finances.
Pay in 3
Spread your payments over 3 months for purchases starting from €35. No additional interest is applied.
Managing your Klarna invoices
Log in to your Klarna account to access all your invoices and track your payments. Need additional help? Contact Klarna's customer service directly on their website.
Some important recommendations
- Spend responsibly: It is essential to assess your ability to repay. Do not commit to borrowing more than you can manage.
- Eligibility conditions: The minimum age to use Klarna is 18 years. Payment options depend on your financial situation.
- Payment settlement: Meeting your payment deadlines is crucial to avoid any impact on your financial situation.
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How does the "Pay later" option work?
The "Pay later" option allows you to receive your order before paying. You typically have 14 to 30 days to make the payment, depending on the store. This option allows you to review your purchases before committing financially.
FAQs about the "Pay later" option
1. Am I eligible for the "Pay later" option?
To be eligible, you must be at least 18 years old, reside in the country where the Klarna merchant operates, and provide accurate information during your purchase. Your eligibility also depends on your financial situation.
2. How can I increase my chances of being accepted for the "Pay later" option?
Make sure to meet your previous payments with Klarna and have a good credit history. Correct information, like a valid postal address, can also help.
3. What do I need to provide when making a purchase?
During your purchase, you will need to provide personal information such as your name, address, email, and sometimes your phone number. Klarna may also ask for details about your credit card for security checks.
4. Will a credit check be conducted on me?
Yes, Klarna may perform a soft credit check to assess your eligibility for the "Pay later" option. This generally does not affect your credit score.
5. Why wasn't the "Pay later" option offered to me?
Various factors can affect the availability of this option, including your credit history, incorrect information, or ineligibility based on the purchase amount.
6. What are my payment options with Klarna?
You can choose "Pay later," "Pay in 3 installments," or pay immediately based on what is available with the merchant.
7. What happens if I cancel or return my order?
If you cancel or return an order, Klarna will adjust your invoice accordingly. If you have already paid, you will be refunded.
8. What happens if I don't pay my order?
Klarna will send you reminders and may charge you late fees. Failure to pay may affect your credit and incur additional charges.
9. I was asked to go to Klarna's website. Is this correct?
Yes, Klarna invites you to visit their site to manage your payments, view your statements, or contact customer service.
10. Are my payment details secure?
Klarna uses advanced security measures to protect your personal and banking information.
11. Can I pay before the due date?
Yes, you can pay at any time before the deadline by logging into your Klarna account.
12. Has my payment been received?
You can check the status of your payment on Klarna's website or through their app.
13. How can I return or exchange an item purchased with Klarna?
Contact the merchant directly to arrange the return or exchange. Klarna will adjust your invoice once the merchant confirms the return.
14. What happens to my statement after returning the goods?
If the merchant accepts your return, Klarna will update your statement and adjust the remaining amount to be paid or issue a refund if you have already paid.
15. I received a statement, but I have not yet received my goods.
You can contact the merchant to check the status of your order. Klarna may postpone the payment date if you have not yet received your items.
16. I canceled my order. How long will it take for me to receive my refund?
Refunds can take between 5 to 7 business days after the merchant confirms the cancellation of your order.
17. I requested a refund. How will I be reimbursed?
The refund will be issued to the same payment method used during the purchase.
18. I did not receive an email with my statement/payment information.
Make sure the email is not in your spam folder. You can always access your information by logging into your Klarna account.
19. I still have payment-related questions, how can I contact you?
You can contact Klarna through their online customer service, via chat, or phone. Contact details are available on the Klarna.com website.
3 Instalment Payment - FAQ
1. How does the "Pay in 3 installments" option work?
Klarna divides your purchase into three equal payments with no additional fees. The first payment is due at the time of purchase, and the other two will be automatically charged to your card every 30 days.
2. Am I eligible for the "Pay in 3 installments" option?
You must spend at least €35, be 18 years or older, and provide a valid credit card.
3. How can I increase my chances of being accepted for the "Pay in 3 installments" option?
Maintain a good payment history with Klarna and ensure you provide accurate information during your purchase.
4. Will a credit check be performed?
No, Klarna does not perform a credit check for the "Pay in 3 installments" option.
For any other questions, visit Klarna's customer service