FAQ KLARNA
Who is Klarna?
Klarna is a Swedish payment service provider that takes responsibility for user payments. Klarna is the simplified payments provider for over 200,000 online stores. So far, more than 85 million customers around the world have trusted Klarna with their payments.
How does the "Pay in 3 installments without interest" option work?
"Pay in 3 installments without interest" allows you to defer the cost of your purchase in 3 equal payments . Payments for each installment will be automatically charged to the debit or credit card indicated at the time of payment. The first installment will be charged when the order is confirmed by [MERCHANT] and the second and third installments will be 30 and 60 days later, respectively. You can always monitor your payment schedule in the Klarna app.
Who is entitled to the option "Pay in 3 installments without interest?"
To use the "Pay in 3 installments without interest" option you must be at least 18 years old. Although the "Pay in 3 installments without interest" "option is widely advertised, it is subject to the financial circumstances of the user. By choosing to take advantage of the "Pay in 3 installments without interest" "option, our analysis will not affect the user's credit rating.
How can you increase your chances of being accepted for the “Pay in 3 installments without interest” option?
Klarna is unique and offers the “Pay in 3 installments without interest” option "" Based on a number of factors such as order value, order history and item availability. If you are over 18, you can increase your chances of using the "Pay in 3 installments without interest" option by making sure to provide your full name and accurate address, as well as use your billing address for shipping registered. All orders are individually reviewed. Just because the user has used the "Pay in 3 installments without interest" option previously does not mean that he will be offered to use it for every order; and, if the option has been denied previously, it does not mean that it will be for all future orders.
What must the user provide when making a purchase?
If the user wishes to make a purchase with Klarna using the “Pay in 3 installments without interest” option, you will need to provide your phone number, email address, current billing address and a debit or credit card number. The mobile number is required in case we need to contact the user. All communications will be sent by email. It is very important that we are provided with the correct data, otherwise the payment schedule and any order updates may not arrive.
Will a credit search be performed on the user?
Klarna may make so-called undocumented requests (or soft credit searches) which have no effect on the credit score and they are visible only to you and Klarna, but are not visible to other credit institutions. Neither Klarna nor [MERCHANT] carry out credit searches against the user that could affect your credit score.
Why is the "Pay in 3 installments without interest" option not accessible to everyone?
Although the "Pay in 3 installments without interest" option is widely advertised, it is not always available to everyone. The "Pay in 3 installments without interest" option is automatically generated by algorithms that depend on a number of factors including address, cardholder data, order total, online shop, history of previous orders and the availability of the article.
What payment options are available with Klarna?
The payments for the installments of the “Pay in 3 installments without interest” option will be automatically charged to your debit card or credit indicated at the time of payment. The first payment will be charged when the order is confirmed. The second and third installments will be charged respectively 30 and 60 days after the first installment. You can always monitor your payment schedule in the Klarna app.
What happens if you cancel or return your order?
As soon as [MERCHANT] accepts the cancellation or return, Klarna will cancel any future scheduled payments and also refund any amount due. The return will be immediately visible in the Klarna app.
What happens if you don't pay for the order?
Klarna will try to