How does Pay later with Klarna work in the UK?

Pay Later with Klarna is a payment method which allows you to buy now and pay later, meaning you only have to pay for the items that you keep.

Got a question about Klarna?

Who can use Pay Later with Klarna?

• Customers over the age of 18.
• Customers with a billing and delivery address registered in the UK.

When can it be used to place an order?

• When placing an order in GBP on our UK website.
• There's no minimum spend - simply add the items you love to your basket and head to checkout.

How do you pay using Pay Later with Klarna?

• When you get to checkout, choose a Klarna option.
• Enter your card information.
• Confirm your date of birth.
• Click 'Place order'.
• Confirm the phone number linked to your account and enter the 6-digit verification code sent to you via SMS.

How do you pay using Pay Later in 3 with Klarna?

• When you get to checkout, click ‘change’ under payment type and select ‘Add New Payment Method’.
• Enter your card information.
• Confirm your date of birth.
• Click 'Place order'.
• You'll be asked to confirm the phone number linked to your account and enter a 6-digit verification code sent to you via SMS.

How does paying off instalments work?

• Orders are paid for in 3 interest free, monthly instalments.
• You'll be asked to pay the first of the three instalments once your order has been confirmed at checkout.
• Instalments 2 and 3 will automatically be collected from the debit or credit card you entered at checkout 30 and 60 days later, respectively.
• You'll receive a reminder from Klarna 2 days before each instalment is collected.
• If you miss one of your scheduled instalments and Klarna are unable to automatically withdraw the money from your account 2 days later, you'll be issued with a statement for the full amount due. You can find out more on missed Klarna repayments here.

When do you have to pay for your order using Pay Later?

• Klarna will send you an email within 2 days of your order being placed with payment instructions.
• You'll have 30 days to complete the payment online. You can pay at your convenience, with no extra cost via credit or debit card.
• You'll receive a reminder two days before your payment is due, and you'll also receive email reminders.

Having trouble paying with Klarna?

If you have any trouble placing an order with Klarna, it could be due to one of the following reasons:

• Klarna may have rejected your application to pay on account. We'd recommend choosing another type of payment or placing an order for a smaller amount.
• Klarna may not have been able to check your details using the billing address that you've provided. You'll need to make sure that your billing address is the same address that your bank/credit cards are registered to.
• You may have outstanding payments on previous Klarna statements. Once these are paid off, try Pay Later with Klarna again. If you've recently paid off outstanding statements, please allow 24 hours before trying to pay through Klarna again.
• You may have missed a required field at the checkout, such as filling in your Date of Birth.
• If you haven't used Klarna before and you're shipping to a different address to your billing address, the payment may be declined.

Can’t decide which Klarna payment option will work best for you? Find more information on Klarna here.

Just one more thing!

For the most recent T&C's on 'Pay in 3' instalments please click here. For the latest 'Pay Later in 30 days' Terms and Conditions please click here. 

Klarna is an independent payment provider and we have no influence over whether your payment is accepted. If you have any trouble with your order, please contact Klarna Customer Service.