Some general questions people ask about paying with Klarna.
You must be an Irish resident, over 18 years old and have a valid payment card to use Pay in 3. When Klarna says ‘valid payment card’, they mean the card must be in your name, and must not have expired. You should also make sure the card you use has enough money available to cover all the instalments.
Pay in 3 is a credit product. It’s Klarna’s decision whether or not they start a credit agreement with you.
With Pay in 3, you can pay for something you buy by dividing the cost into three equal instalments. At checkout, you’ll see an option to ‘Pay Later in 3 instalments’. When you choose this option, just enter your card details to complete your purchase.
There are no interest charges with Pay later in 3 instalments, and no fees when you follow your automatic payment schedule. If you are delayed in making a payment, Klarna may charge late fees, see Section 12 below. Any missed instalments, including any added late fees, will be rolled over to the next scheduled due date. The issuer of your card or your bank may charge interest or fees under your agreement with them. If you have any questions about those charges, contact your card issuer.
Any currency conversion process applied when making a purchase will be conducted by the your issuing bank and is subject to the issuing bank’s terms and conditions.
Yes, you are able to make payment early through the Klarna App by paying by card immediately. If a payment is made earlier, and the balance cleared Klarna will not continue charging your card.
You will have the possibility to extend the payment date (“Due Date”) of your order for up to 10 calendar days in the Klarna App, see Extend your Due Date for a Fee Terms.
Payment conditions: For extending the Due Date a fee is charged. The size of the fee depends on the value of your order as specified on your purchase/payment. You cannot extend the Due Date for orders that are EUR 500 or more.
The fee associated with the new Due Date will be displayed whenever you select the payment extension option. The cost for extending the Due Date is: i) two (2) EUR per instalment if the total order value is below EUR 100, ii) three (3) EUR per instalment if the total order value is between EUR 100.00 – 199.99, and iii) four (4) EUR per instalment if the total order value equals EUR 200 or above.
If you choose to extend the Due Date, the new Due Date and the applicable fee is shown in your updated payment plan and also detailed in the confirmation email that will be sent to you thereafter. The fee is to be paid on the same day as the new chosen Due Date for your original payment.
Default: In the case of non-payment by the new Due Date, late fees will be added in accordance with Section 12 below.
Klarna accepts valid debit and credit cards that are not scheduled to expire in the near future. No pre-paid cards. They’ll let you know at checkout if your card hasn’t been accepted.
At the point of purchase Klarna will freeze the first of your three instalments on your card. This means you won’t be able to spend this money on anything else. Once they’ve received confirmation that your items have been shipped, the first of your three payments will be taken from your card automatically using the frozen amount. You’ll be able to see this on your card statement. If your items are not shipped, Klarna will unfreeze your money and you’ll be able to spend it again. This may take a few days depending on which bank you’re with.
The second payment will be taken 30 days after the first payment, and the last one 60 days after the first payment.
The dates these payments are due will be sent to you by email, and you’ll be able to check them in the Klarna App.
The day and time when a payment falls due are calculated based on the date and time of the day the merchant confirms your order (typically when they ship your goods). This means that if you have purchased items from multiple merchants on the same day, Klarna will charge the debt related to an item that was confirmed (shipped) earlier that day before an item that was confirmed later on the same day.
Sometimes the shop (online merchant) doesn’t charge you for your whole order all at once. They might do this if they ship your items at different times. If this happens, we’ll make a new Pay in 3 plan for each part order they make. Each of these order parts will have its own due date, depending on when the shop confirms that part of your order. If you extend the due date for your payments at any stage in the process, additional fees may be payable.
WARNING: if you do not make your repayments Klarna will, as a last resort, engage a debt collection agency to collect money owed from you. Klarna will contact you in advance before your debt is sent to an external debt collection agency. Not meeting repayments may also affect your ability to use Klarna in the future.
When Klarna initiates a currency conversion, they’ll complete it at the rate in effect when your items are shipped or services activated. While Klarna will show you the expected conversion rate at purchase, it may change if rates fluctuate between your purchase and shipping/activation dates. Klarna’s conversion rate includes their exchange rate mark-up, plus the base rate from wholesale currency markets on the conversion day or previous business day. When required by law or regulation, they’ll use the applicable government reference rate.
Currency conversion rate changes could work for or against you in cases of returns or refunds. If you request a partial or full refund after making a return, you will be responsible for any fluctuations in the currency conversion rate.
If your card is cancelled, you’ll still have to pay Klarna any money you owe as soon as Klarna ask you to.
If your card details change between your purchase and your final payment, you can update them in the Klarna App.
Your cancellation is subject to the store’s cancellation policy, so you need to check the store’s website for information on their cancellation policy and instructions on how to cancel an order and return the good(s) if already received.
If your next payment or due date for the cancelled order is approaching, you can pause billing by choosing that order in the Klarna App and click “Report a problem”.
Once the store has confirmed the cancellation or return, Klarna will update your payments accordingly as well as refund any amounts due. Refund processing times to you may vary and can take up to 14 days depending on the consumer’s bank.
If you cancel your order, Klarna will cancel any outstanding payments and pay back any amounts they’ve already taken from your card. Klarna will do their best to pay you back as soon as they can.
If you want to return part of your order, Klarna will take the amount from your outstanding balance. It won’t count as a payment, so you’ll need to continue making your payments on the dates they’re due until your balance is paid in full.
Refunds for Pay in 3 are processed in different ways. It depends on the status of your payment schedule, how much you’ve paid and if the merchant has processed a full or partial refund.
Full refund
If you’re due a full refund, Klarna will cancel any remaining payments and refund anything you’ve already paid to the card you used to make the payment.
Partial refund
If you’re due a partial refund that’s more than the remaining balance on your order, Klarna will deduct the amount from the outstanding balance first. They’ll then refund the difference to the card you used to pay off the purchase.
If the partial refund is less than the remaining balance on your order, Klarna will deduct the amount from the outstanding balance. They’ll then spread the remaining balance evenly over the remaining payments.
If Klarna can’t take the upcoming instalment from your card, they’ll let you know, and try again. If that’s unsuccessful, they’ll roll the missed payment over to the next instalment. If also the next instalment is unsuccessful, they’ll give you a few days to update your card details or make sure there’s enough money on your card. If Klarna still can’t take the payment at the final instalment, they’ll try to charge your card again, ask you to pay the outstanding amount directly and/or use a debt collection agency to collect the money for them. You authorise Klarna to attempt to collect a failed payment at any point after 2 days, using any payment method they have on file for you.
Klarna will contact you if they roll over a payment to the next due date and after the last instalment when all your payments have failed.
Not paying your instalments on time might also mean you can’t use Klarna in the future.
If Klarna are unable to charge your selected payment method for the amount due on your due date they will send you a notification and provide you a courtesy two to seven business day slack period so that you can update your payment method or ensure enough funds are available on your selected card. If you update your card, Klarna may attempt to collect the late payment immediately. Otherwise, they will attempt to charge your original card again after the two to seven-day period. It is important that you ensure enough funds are available to complete your payment on the due dates. If Klarna is not able to take the second instalment during the slack period, they will roll over the unpaid amount to the next and final instalment, including a late fee for the missed payment.
If you fail to make a payment by the end of the courtesy slack period you will be in default, and in addition to other rights Klarna has, they will charge you a late fee amounting to the following; i) three (3) EUR per instalment if the total order value is below 100 EUR, ii) five (5) EUR per instalment if the total order value is between 100-199.99 EUR, iii) eight (8) EUR per instalment if the total order value is between 200-499.99 EUR, or the maximum amount permitted by applicable law if lower. Late fees do not apply for orders that are 500 EUR or more. You will never be charged more than two late fees per purchase.
If you fail to make your payments, you may be unable to use the service in the future. Klarna will continue to attempt to collect overdue and currently due payments on subsequent due dates. If they’re unable to take the outstanding amount on the third instalment, they will send you an email urging you to pay them back in the Klarna App before they initiate their debt collection procedures where you may have to pay all reasonable costs incurred by Klarna and/or the debt collection agency.
WARNING: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
No. Klarna will undertake their own risk assessment using data such as your outstanding debt, payment history with them, and the number of open orders. This information will be used to assess the maximum amount of credit they will allow you, but this information will not be shared with any third parties or the Central Credit Register.
For complaints, the information provided on klarna.com/ie/ applies. By using Klarna’s service you consent and agree that Klarna provides all communication regarding complaints electronically. If you have a complaint towards Klarna, you can submit your complaint through Klarna’s Customer Service webpage or using the chat function in the Klarna App.
If Klarna is unable to resolve your complaint, you may refer your complaint to the Financial Services and Pensions Ombudsman (FSPO). The FSPO is independent and free service to complainants and there is no cost for bringing a complaint to the FSPO. Klarna will participate in such proceedings and is obliged to do so under applicable law. More information can be found on FSPO website: www.fspo.ie. You can also submit your complaint in any official language of the European Union through the ODR-platform provided by the European Commission: https://ec.europa.eu/consumers/odr/. The complaint will then be forwarded to FSPO. You may also contact the FSPO by postal mail or personally: The Financial Services and Pension Ombudsman, Lincoln House, Lincoln Place, Dublin, Phone: +353 1 567 7000, email: info@fspo.ie.
You can contact Klarna’s Customer Service through the webpage or by using the chat function in the Klarna App.
This is a credit agreement between you and Klarna. You can’t transfer your rights or obligations to anyone else unless you get their permission first.
Klarna can transfer these terms, or any rights and obligations you have under them, at any time. They don’t need to ask for your consent to do this, unless transferring would harm your rights and responsibilities. This means Klarna has the right to transfer the credit agreement to another provider without asking you.
Klarna Bank AB (publ), trading as Klarna, is authorised/licensed or registered by the Swedish Financial Supervisory Authority (Finansinspektionen) in Sweden and is regulated by the Central Bank of Ireland for conduct of business rules.
Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, telephone: +46 8 120 120 00, fax: +46 8 120 120 99. (VAT number SE556737043101), is a Swedish bank registered at the Swedish companies register under registration number 556737-0431. The Managing Director is Sebastian Siemiatkowski. Klarna Bank AB (publ) is authorised to provide financial services by Finansinspektionen (the Swedish Financial Supervisory Authority). Klarna’s registration with the Swedish financial supervisory authority as well as a list of countries to which Klarna’s services have been passported to can be found on Finansinspektionen’s website.
This agreement is governed by the laws of Ireland. Any disputes arising from or in connection with this Agreement shall be subject to the courts of Ireland.
We will usually communicate with you in English.
Please note that other taxes or costs may exist that are neither paid by nor imposed by Klarna.
For further information about Klarna, go to: klarna.com/ie/
