Who is Klarna?

Frequently asked questions about the "Pay in 3 installments without interest" option

Klarna è un fornitore di servizi di pagamento svedese che si assume la responsabilità dei pagamenti degli utenti. Klarna is the simplified payments provider for over 200,000 online stores. So far, more than 85 million customers all over the world have relied on Klarna for their payments.

How does the option "pay in 3 installments without interest?"

"Pay in 3 installments without interest" allows you to delay the cost of your purchase in 3 equal payments. Payments for each installment will be automatically charged on the debit card or credit 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 the program of your payments in the Klarna app.

Who is entitled to the "pay in 3 installments without interest?"

To use the "Pay in 3 installments without interest" option, you need to be at least 18 years old. Although the "pays in 3 installments" "option" is widely advertised,
It is subject to the user's financial circumstances. By choosing to take advantage of the "pays in 3 installments without interest" option, our analysis will not affect the evaluation of the user's credit.

How can you increase the chances of being accepted for the "pay in 3 installments without interest" option?

Klarna is unique and offers the "pays in 3 installments" "on the basis of a number of factors such as the order value, the orders historian and the availability of the article. Tutti gli ordini sono esaminati individualmente. Just because the user took advantage of the "pay in 3 installments" option previously does not mean that he will be offered to take advantage of it for each order; and, if the option him

It was previously denied, it does not mean that it will be for all future orders.

What should 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, it will be necessary to provide its phone number, the email, the current billing address and the number of a debit or credit card. The mobile number is necessary if we had to contact the user. All communications will be sent by email. It is very important that the correct data are provided to us, because otherwise the payments program and any orders update may not arrive.

Verrà effettuata una ricerca di credito nei confronti dell’utente?

Klarna can make the so -called unwanted requests (or soft credit research) that have no effect on the credit score and are visible only to the user and in Klarna, but are not visible to other credit institutions. Neither Klarna nor [Merchant] carry out credit research against the user who could influence his credit score.

Why is the "Pay in 3 installments" option "is not accessible to everyone?

Although the "pays in 3 installments" is widely advertised, it is not always available for anyone. The "pays in 3 installments" option is automatically generated by algorithms that depend on a number of factors that include the address, the data of the card holder, the total of the order, the online store,
the historian of previous orders and the availability of the article.

What are the payment options available with Klarna?

Payments for the installments of the "pay in 3 installments" option will be automatically charged on the 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 from the first installment. You can always monitor the program of your payments in the Klarna app.

What happens if it is deleted or returns the order?

As soon as [Merchant] accepts cancellation or return, Klarna will cancel any future payment scheduled, also reimbursing any amount due. The return will be immediately visible in the Klarna app.

What happens if you don't pay the order?

Klarna will try to charge the payment for the "pay in 3 installments without interest" installments at [Merchant] on the debit card or credit indicated at the time of payment. If it is not possible to charge the payment on the expiry date, Klarna will make a second attempt to automatically charge the payment two days later. Qualora questo tentativo non vada a buon fine, Klarna rilascerà un estratto conto per l’intero importo in sospeso che diventerà pagabile 15 giorni dopo. Klarna will communicate the expiry of the payment two days before trying to collect it and it will always be possible to monitor the expiry date in the Klarna application. If you do not pay in time using the "Pay in 3 installments without interest" option, the credit score will not undergo any impact.

The user was asked to go to the Klarna website. Is it correct?

È possibile visualizzare tutti gli acquisti e il programma dei pagamenti Klarna nell’app Klarna o accedendo su Klarna.com/uk.

Are the user's payment data safe?

Payment data are processed by Klarna safely. Nessun dato della carta viene trasferito o trattenuto da [MERCHANT]. All transactions take place with connections made safe by the latest sector security protocols.

Is it possible to pay before the expiry date?

Yes. Just go to the Klarna app or access the Klarna.com/uk website and pay in advance.

Was the payment to be successful?

Klarna will send an email notification and a push notification with the Klarna application when a payment is due and when this has been successfully collected, or in the unbearable case in which the payment has not been successful. If a payment has been made but no payment confirmation has arrived, it will always be possible to check the state of order and payments in the Klarna app or by accessing the website www.klarna.com/uk

What happens to the user's extract after the return of the goods?

Once [Merchant] received the return (partial or total) and the user has received confirmation of reception, Klarna will send an account extract with an updated payments plan in the event of a partial return. With a total yield of the goods, refund all recessed payments and delete all the future planned payments. The user can always monitor the state of his order in the Klarna app.

The user received the account statement but has not yet received the goods.

In the event that the goods have not yet been received, call [Merchant] to check the state of order and delivery. It is also possible to contact Klarna customer service so that we can postpone the expiry date of payment or put the outstanding order in the Klarna app waiting for the delivery.

L’utente ha cancellato il suo ordine. How long will it take before receiving a refund?

As soon as the shop has registered the cancellation or return, the refund will be processed within 5-7 working days.

The user asked for a refund, how will he be done?

The reimbursements will be made on the debit or credit card which was originally given at the time of the checkout.

The user has not received any emails relating to his account statement or his payment data.

È possibile accedere all’app Klarna o al sito web ​www.klarna.com/uk​, dove sarà possibile trovare tutti gli ordini e le informazioni dei pagamenti programmati.

How is it possible to contact Klarna for further doubts about payments?

Consult the Klarna app or the Klarna customer service page for the complete list of frequently questions, telephone numbers and live chat.