Paying Later with KLARNA

KLARNA | Pay in 3 - How It Works


That item that you've had your eye on? Go on, pop it into your basket. (Available on orders over £35)


When you reach checkout, choose Klarna as your preferred payment method and then follow the instructions on-screen to place your order.*Wait patiently for your order to be delivered.*


Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days.

Pay in 3 instalments Terms & Conditions 

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 Klarna 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 Klarna Bank account details from their Customer Services team for direct bank transfer. If a payment is made earlier, and the balance cleared Klarna will not continue charging your card.

 4. Which cards does Klarna accept?

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

 5. When will Klarna take my payments?

At the point of purchase Klarna will 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 Klarna receives confirmation that your items have been shipped, 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, they will unfreeze 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. 

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

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

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

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

 7. What happens if I cancel my order?

Your cancellation is subject to our cancellation policy, so you need to check the our 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 we have 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, Klarna will cancel any outstanding payments and pay back any amounts already taken from your card. They will do their best to pay you back as soon as they can.

If you want to return part of your order, Klarna will 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 , Klarna will 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, Klarna will deduct the amount from the outstanding balance first. They will 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, Klarna will deduct the amount from the outstanding balance. They will 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 Klarna can’t take the first instalment from your card, they will let you know, and try up to two times again to take the money. Klarna will let you know when they going to try again, so you’ll have plenty of time to put some money onto your card to make the payment.

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

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

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

Not paying your instalments on time might also mean you can’t use Klarna in the future. 

 10. Will using Klarna affect my credit score?

No. Klarna 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. 

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

Klarna store your card details on their systems when you shop with them. Klarna use these details to approve future payments. Unless you opt out, they 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, they might also store this information on our system.

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

Please see Klarna's Privacy Notice here for more information about your rights, how you can get in touch with Klarna, 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 Klarna's customer service webpage using  live chat feature, or by calling them on (+44) 0808 189 3333. 

If you’re not happy with Klarna's 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 Klarna Bank AB UK . You can’t transfer your rights or obligations to anyone else unless you get our permission first. 

Klarna can transfer these terms, or any rights and obligations you have under them, at any time. Klarna don’t need to ask for your consent to do this, unless transferring would harm your rights and responsibilities. This means Klarna 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 regulated by the Financial Conduct Authority and by the Prudential Regulation Authority. Klarna Bank AB UK Branch’s number is BR020956 and its address is 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.

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