We've taken care of everything: we've answered frequently asked questions your customers may have about Klarna before, during or after the purchase. Simply choose the Klarna product FAQ below, copy the relevant questions on your site, enter the name of your online store and the applicable terms in the areas in parentheses. And it's all done!

Who is Klarna? Klarna is a Swedish payment service provider that takes responsibility for user payments. Klarna is the provider of simplified payments for over 200,000 online stores. So far, more than 85 million customers worldwide have relied on Klarna for their payments. How does the “pay in 3 installments without interest " option work?""Pay in 3 installments without interest" allows you to postpone the cost of your purchase in 3 equal payments. Payments for each installment will be charged automatically 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 installment will be 30 and 60 days later, respectively. You can always track the schedule of your payments in the Klarna app. Who is entitled to the option " Pay in 3 installments without interest?“To use the option "Pay in 3 installments without interest" you must be at least 18 years old. Although the option "Pay in 3 installments without interest "" 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 your 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 option "Pay in 3 installments without Interest”" Based on a number of factors such as order value, order history and item availability. If the user is over 18 years old, he can increase his chances of taking advantage of the “pay in 3 installments without interest” option” by making sure to provide his full name and an accurate address, as well as to use for shipping his registered billing address. All orders are examined individually. Just because the user has used the option to “Pay in 3 installments without interest” above does not mean that it will be offered to them for each order; and, if the option has been previously denied, it does not mean that it will be for all future orders. What should the user provide when making a purchase? If you wish 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 debit or credit card number. The mobile number is required in case we contact the user. All communications will be sent via email. It is very important that we are provided with the correct data, because otherwise the payment schedule and any order updates may not arrive. Will a credit Search be carried out against the user? Klarna may make so-called undocumented requests (or soft credit searches) that have no effect on your credit score and are only visible to you and Klarna, but are not visible to other lenders. Neither Klarna nor [MERCHANT] carry out credit searches against you that could affect your credit score. Why is the option “Pay in 3 installments without interest " not accessible to everyone? Although the option "Pay in 3 installments without interest" is widely advertised, it is not always available to anyone. 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 store, previous order history and item availability. What are the payment options available with Klarna? Payments for installments of the "pay in 3 installments without interest" option will be automatically charged to the debit or credit card indicated at the time of payment. The first payment will be charged when the order is confirmed. The second and third instalments will be charged 30 and 60 days after the first instalment, respectively. You can always track the schedule of your payments in the Klarna app. What happens if you cancel or return the order? As soon as [MERCHANT] accepts the cancellation or return, Klarna will cancel any future scheduled payments and refund any amount due. The return will be immediately visible in the Klarna app. What if you do not pay for the order? Klarna will attempt to charge payment for “pay in 3 interest-free installments” at [MERCHANT] on the debit or credit card indicated at the time of payment. If it is not possible to charge the payment on the due date, Klarna will make a second attempt to automatically charge the payment two days later. If this attempt is unsuccessful, Klarna will issue an account statement for the full outstanding amount that will become payable 15 days later. Klarna will notify the due date of the payment two days before attempting to collect it, and it will always be possible to monitor the due date in the Klarna application. If you do not pay on time using the "pay in 3 installments without interest" option, your credit score will not be impacted. The user was asked to go to the Klarna website. Is that correct? You can view all Klarna purchases and payment schedule in the Klarna app or by logging on Klarna.com/uk. is the user's payment data safe? Payment data is processed by Klarna securely. No card data is transferred or retained by [MERCHANT]. All transactions take place with connections made secure by the latest industry security protocols. Is it possible to pay before the due date? Yes. Simply go to the Klarnba app or go to the website Klarna.com/uk and pay in advance. Was the payment successful? Klarna will send an email notification and a push notification from the Klarna app when a payment is due and has been successfully cashed, or in the unlikely event that the payment has not been successful. If a payment has been made but no payment confirmation has arrived, you will always be able to check the status of the order and payments in the Klarna app or by accessing the website www.klarna.com/uk what happens to the user's statement after the goods are returned? Once [MERCHANT] has received the return (partial or total) and the user has received confirmation of receipt, Klarna will send an account statement with an updated payment plan in the case of a partial return. With a total return of the goods, we will refund all payments collected and cancel all future planned payments. You can always monitor the status of your order in the Klarna app. The user has received the statement but has not yet received the goods. In the event that the goods have not yet been received, Call [MERCHANT] to check the status of the order and its delivery. You can also contact Klarna customer service so that we can postpone the payment due date or put the order pending in the Klarna app pending delivery. The user has canceled his order. How long will it take before you receive your refund? As soon as the store has registered the cancellation or return, the refund will be processed within 5-7 working days. The user asked for a refund, how will it be made? Refunds will be made on the debit or credit card that was originally given at checkout. You have not received any email regarding your statement or payment details. You can access the Klarna app or the website www.klarna.com/uk, where it will be possible to find all orders and information of scheduled payments. How can I contact Klarna for further payment concerns? See the Klarna app or Klarna customer service page for the full list of Frequently Asked Questions, phone numbers, and live chat.