What is Klarna?
Klarna is the smoothest & safest way to get what you want today and pay overtime. Read more here.
Who can use Klarna?
To be eligible to use Klarna, you must:
1. Be a resident of the United States or its territories
2. To be 18 years of age or over
3. Have a valid debit, credit card or bank account
4. Have a positive credit history
5. Be able to receive verification codes via text
Which payment methods are accepted?
Klarna currently accepts most debit and credit cards (i.e., Mastercard, Visa, Discover, American Express), as well as checking accounts for ACH payments. Please note, prepaid cards are not accepted.
What is Pay in 4 and how does it work?
Pay in 4 allows you to split your purchase into 4 interest-free payments, paid every 2 weeks. Once your items are in your cart, just choose Klarna at checkout. The first payment will be taken from your credit card, debit card or bank account when your order is shipped. The remaining three payments will be automatically charged every 2 weeks afterwards.
Will I still be charged if my order is cancelled?
Cancellations are subject to the store’s cancellation policy. To cancel your order, please contact the store where you made your purchase.
Once the store has confirmed the cancellation, we will update your payments accordingly and you can check the status of your payments anytime here or in your Klarna app.
Good to know: Refund processing times varies and can take up to 14 days depending on your financial institution. To check the status of your refund, please confirm first that the store has updated your payments accordingly and check if you might have already been refunded to your original payment method. If 14 days have passed since the issue of credit and you are still missing your refund please contact us for further support.
What if I get declined from using Klarna?
You can use an alternate payment method to complete your purchase. To use Klarna for future orders, please reach out to Klarna’s customer service team to discuss options. You can contact them in the Klarna app or at klarna.com.
Can I pay before the due date?
Yes. cIf you want to pay the next payment or full balance of your payment plan early, simply log into the Klarna app, go to the “Purchases” tab, and select “Payment Options.”
What happens if I need to make a return?
Follow the store’s return instructions. Then, let Klarna know which items you have returned by reporting a return.
• In the Klarna app, go to Orders
• Select the purchase, or the items, you wish to return
• Tap Report returnt
Please note, if you later wish to return more items than you initially reported in the app, be sure to let the store know so your order details can be updated.
What happens to my statement, when I've returned the goods?
Once the store 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. You are always able to monitor the status of your order in the Klarna app.
My email address is not correct. How can I change it?
You can live chat with Klarna’s customer service agents 24/7 to request that your contact details be updated. Please quote your statement number if you have received a statement by post.
What happens if I don’t pay for my order?
Klarna will email you if your payment is unsuccessful and try one or more times to collect it. If they can’t collect it, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value at the time of purchase.
Please note: Your credit score will not be impacted when you use Klarna payment products.