KLARNA

FAQ ABOUT KLARNA

What is Klarna?
Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. You can read more about Klarna here.

How does Pay later in 3 interest-free instalments work?
Klarna spreads the cost of your purchase into 3 interest-free instalments. 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 FLORA BHATTACHARY and instalments 2 and 3 are scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score.

  • Klarna is a new way to pay that's an alternative to a credit card
  • 3 instalments will give you flexibility to shop without interest or hidden fees
  • Not making your payment on time could affect your ability to use Klarna in the future
  • Klarna's Pay in 3 and Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Terms and Conditions and late fees apply. 

How do I use Klarna?

Step 1 
Add products to your cart and select Klarna when you check out

Step 2 
Enter a few personal details and you’ll know instantly if you’re approved

Step 3 
Klarna will send you an email confirmation and reminders when it’s time to pay and you can manage your orders and payments in the Klarna app.

Pay online or in the app

Review your latest purchases and manage payments in the Klarna app or online.

Safe and secure 
With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.

Am I eligible for Pay later in 3 interest-free instalments?
To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, Klana’s assessment will not affect your credit rating.

What do I need to provide when I make a purchase?
If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, 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.

What are my payment options with Klarna?
Payment for your Pay in 3 interest-free instalments 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. 

What happens if I cancel or return my order?
As soon as FLORA BHATTACHARY has accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately. Once FLORA BHATTACHARY has registered the cancellation or your return, the refund will be processed within 5-7 business days. Refunds will be issued back to the debit or credit card which was originally entered at checkout.

What happens if I don’t pay for my order?
Klarna will automatically attempt to collect your payment for your Pay in 3 interest-free instalments purchase at FLORA BHATTACHARY 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 will notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s Pay in 3 instalments’ product even if you have failed to pay on time.

I have been asked to go to the Klarna site. Is this correct?
You can view your Klarna purchases and payment schedule in the Klarna app or by logging onto Klarna.com/uk.

Is my payment information safe?
Payment information is processed securely by Klarna. No card details are transferred to or held by FLORA BHATTACHARY. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?
Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.

Have you received my payment?
Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at Klarna.com/uk.

What happens to my statement, when I’ve returned the goods?
Once FLORA BHATTACHARY 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 will refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

I’ve received a statement, but I’ve not yet received my goods
In the event that your goods have not been received please call FLORA BHATTACHARY to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.

I have a question regarding payment, how can I get in touch?
Visit Klarna app or Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options.

FLORA BHATTACHARY is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.