Klarna

What is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of Smooth payments to more than 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

There are no interest fees or credit application involved when selecting Klarna, making it an easy way to pay.

How Can I Use Klarna? 

Select 'Pay Later in 30 days' or 'Slice It In Three' at the checkout. 

Offering more flexibility to you, Klarna allows you to place your order today and to pay for it over time, interest free. This means that you can receive your chosen purchase and start to enjoy it in your home, without considering payment until later; either in three instalments or in full 30 days later.

PAYMENT PLANS:

Pay later. Pay in 30 days.

 

How does Pay later work?

Klarna’s ‘Pay in 30 days’ allows you to receive your order up front and get up to 30 days to pay without any interest and fees. 

  • Once your order's confirmed, you'll receive an email with payment instructions within two days from Klarna.
  • You'll then have [14/30] days to try on your order and only pay when you’re happy.
  • Complete the payment online, at your convenience, with no extra cost.
  • You can pay via credit or debit card at www.klarna.com/uk

How can I increase my chances of being accepted for Pay later?

Klarna is unique and offers Pay later based on a number of factors such as the order value, previous order history and item availability.

  • If you are 18 or over, you can improve your chances of being offered Pay later by ensuring you provide your full name and accurate address details and shipping to your registered billing address.
  • All orders are assessed individually.
  • Just because you have had Pay later before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

Why have I not been offered Pay later?

Although Pay later is widely promoted it is not always universally available.

  • The Pay later method is automatically generated by algorithms that are dependent upon a number of factors including amount of order, the online store, previous order history and item availability.
  • Alternatively, you are able to complete your order by paying by credit or debit card at the checkout.

What happens if I don’t pay for my order?

  • Payment is due [14/30] days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due – you'll receive email reminders to pay – and, if very late, we’ll also send you a text or letter, too.
  • If you fail to pay Klarna for your order, your credit score will be affected.
  • Klarna will send you an email with further details on how to pay. Your email will contain a link to Klarna where you can settle your payment with your credit or debit card.

Can I pay before the due date?

You can pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on this email to pay for your order.

SLICE IT IN 3. 

How does Slice it in 3 work?

Split the bill, pay a third now and the rest later! Spread the cost of your purchase over 3 equal payments by simply selecting 'Slice It In Three' at the checkout.

  • When you shop online, Klarna’s system reviews each order to determine which payments options are available to you.
  • If Slice it is offered, simply select this option.
  • The first time you shop with Slice it you will be asked in to apply for a Klarna Account.
  • If you’re approved Klarna will create an account for you and your order will be placed.
  • Every time you shop with Slice it after that, you only need to agree to the purchase and won’t need to sign up again. The order amount will be added to your Klarna Account as additional promotional plans.
  • Slice it in 3 will allow you to spread the cost of your purchase over 3 equal payments.
  • The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout.
  • Your first instalment will be collected when your order is confirmed by Lexiem and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. 


    Am I eligible for Slice it in 3?

    • To use Slice it in 3 you must be at least 18.
    • Whilst this option is widely promoted, Slice it in 3 is subject to your financial circumstances.
    • When choosing Slice it in 3, our assessment will not affect your credit rating.


    How can I increase my chances of being accepted for Slice it in 3?

    Klarna is unique and offers Slice it in 3 based on a number of factors such as the order value, previous order history and item availability.
    • If you are 18 or over, you can improve your chances of being offered Slice it in 3 by ensuring you provide your full name and accurate address details and shipping to your registered billing address.
    • All orders are assessed individually.
    • Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.


    What do I need to provide when I make a purchase?

    • If you want to make a purchase with Klarna using Slice it in 3, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card.
    • The mobile number is required in case we need to reach you. All communications will be sent to your email address.
    • It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.


    Why have I not been offered Slice it in 3?

    • Although Slice it in 3 is widely promoted it is not always universally available.
    • The Slice it in 3 payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.


    What are my payment options for slice it in 3?

    • Payment for your Slice it in 3 will automatically be collected from the debit or credit card you entered at checkout.
    • The first payment is taken when the order is confirmed.
    • The second and third instalments are collected 30 and 60 days, respectively, after the first instalment.

      How is my statement sent?

      • If you chose to use Slice it, we will send your monthly statement notification via email with instructions on how to make a payment and an overview of your Klarna Account.
      • Once you have been landed on your Klarna Account overview page, simply select ‘Make a payment’ and enter the amount you wish to pay towards your balance.

       

      What happens if I don’t pay for my order?

      • Klarna will automatically attempt to collect your payment for your Slice it in 3 purchase at Lexiem from the debit or credit card you entered at checkout.
      • If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later.
      • Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later.
      • Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment. 

      Can I pay before the due date?

      No, this is not currently possible for Slice it in 3 purchases.

       

       

      What do I need to provide when I make a purchase?

      • If you want to make a purchase with Klarna you need to provide your name, address, email address and mobile phone number.
      • For some orders you may need to provide your date of birth, too.
      • All information will be sent to your email address, including payment reminders and links to your online statements.
      • It's very important, that you give us the correct details, as otherwise you will not receive the payment information. 
      • You can view all of your Klarna purchases and payment schedule simply by logging onto Klarna.com/uk.

      How do I make a payment?

      • First, log in at www.klarna.com/uk and visit your Klarna Account overview page.
      • Then, simply select ‘Make a payment’ and enter the amount you wish to pay towards your balance.
      • Should you have any questions or concerns when making a payment you can contact Klarna’s Customer Service here.

      How will I know you received my payment?

      • If you pay by card, Lexiem will confirm your order right away.
      • If paying by Pay later, Klarna will send you a payment confirmation to the email address that you have used for your order.
      • If you have made a payment but not received the payment confirmation, you can always check the status of your order and payments by logging in at www.klarna.com/uk. 

      Is my payment information safe?

      • Payment information is processed securely by Klarna. No payment information is transferred to us or held by us.
      • All transactions take place via connections secured with the latest industry standard security protocols.

      How do I manage my Klarna Account?

      Log in to the customer portal at Klarna.com at any time day or night, to review your purchases and settle your monthly statement. If you need further assistance, you can contact Klarna’s Customer Service team.

      I haven’t received an email with my statement/payment information.

      You can log in at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

      Will a credit search take place against me?

      • Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders.
      • Neither Klarna nor Lexiem run credit searches against you that could impact your credit rating. 

       I've received my monthly statement and a payment is due, but I've not yet received my goods.

      You should of course not pay your statement until you've received your goods. In this case, we would ask that you contact the store and get an update on your order. You should also contact our Customer Service so that we can postpone the due date on your payment.

      What happens if I cancel or return my order?

      As soon as Lexiem have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due.

      How long will it take until I receive my refund?

      As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days.

      I have asked for a refund. How will I be refunded?

      Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

      What happens to my statement, when I've returned the goods?

      Once Lexiem has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments.

      If you still have questions regarding payment, refunds etc. Please visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options. 

      See also Klarna's terms and conditions: https://www.lexiem.co.uk/pages/klarna-terms-and-conditions