KLARNA FAQ - Pay in 3 interest-free installments
Who is Klarna?
Klarna is a Swedish payment service provider that takes responsibility for user payments. Klarna is the simplified payments provider for over 200,000 online stores. So far, more than 85 million customers around the world have trusted Klarna with their payments.
How does the "Pay in 3 installments without interest" option work?
"Pay in 3 installments without interest" allows you to defer the cost of your purchase in 3 equal payments. Payments for each installment will be automatically charged to the debit or credit card indicated at the time of payment. The first installment will be charged when the order is confirmed by Moaconcept and the second and third installments will be 30 and 60 days later, respectively. You can always track your payment schedule in the Klarna app.
Who is entitled to the "Pay in 3 installments without interest?"
To use the “Pay in 3 installments without interest” option you must be at least 18 years old. Although the “Pay in 3 installments without interest” option is widely advertised, it is subject to your financial circumstances. By choosing to take advantage of the "Pay in 3 installments without interest" option, our analysis will not affect your credit rating.
How can the chances of being accepted for the “Pay in 3 installments without interest” option be increased?
Klarna is unique and offers the “Pay in 3 installments without interest” option based on a number of factors such as order value, order history and item availability. If you are over 18, you can increase your chances of using the "Pay in 3 installments without interest" option by making sure you provide your full name and accurate address, as well as use your address for shipping. registered billing. All orders are individually reviewed. Just because the user has used the “Pay in 3 installments without interest” option previously does not mean that he will be offered to use it for each order; and, if the option has been denied previously, it does not mean that it will be for all future orders.
What should the user provide when making a purchase?
If you want to make a purchase with Klarna using the "Pay in 3 installments without interest" option, you will need to provide your phone number, email address, current billing address and a credit card number. debit or credit. The mobile number is required in case we need to contact the user. All communications will be sent by email. It is very important that the correct data is provided to us, otherwise the payment schedule and any order updates may not arrive.
Will a credit search be carried out against the user?
Klarna may carry out so-called undocumented inquiries (or soft credit searches) which have no effect on your credit score and are only visible to you and Klarna, but are not visible to other lenders. Neither Klarna nor Moaconcept carry out credit searches against you which could affect your credit score.
Why is the “Pay in 3 installments without interest” option not accessible to everyone?
Although the “Pay in 3 installments without interest” option is widely advertised, it is not always available to everyone. The "Pay in 3 installments without interest" option is automatically generated by algorithms that depend on a number of factors including address, cardholder data, order total, online shop, history of previous orders and the availability of the item.
What payment options are available with Klarna?
Payments for the installments of the “Pay in 3 installments without interest” option will be automatically charged to the debit or credit card indicated at the time of payment. The first payment will be charged when the order is confirmed. The second and third installments will be charged respectively 30 and 60 days after the first installment. You can always track your payment schedule in the Klarna app.
What happens if the order is canceled or returned?
As soon as Moaconcept accepts the cancellation or return, Klarna will cancel any future scheduled payments and also refund any amount due. The return will be immediately visible in the Klarna app.
What happens if the order is not paid?
Klarna will try to debit the payment for the installments of “Pay in 3 installments without interest” at Moaconcept on the debit or credit card indicated at the time of payment. If it is not possible to debit the payment on the due date, Klarna will make a second attempt to automatically debit the payment two days later. If this attempt fails, Klarna will issue a statement for the full outstanding amount which will become payable 15 days later. Klarna will notify the payment due two days before attempting to redeem it and you will always be able to track the due date in the Klarna application. If you do not pay in time using the “Pay in 3 installments without interest” option, your credit score will not be impacted.
The user was asked to go to the Klarna site. It's correct?
You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging into Klarna.com/uk.
Are the user's payment details safe?
Your payment details are processed securely by Klarna. No card data is transferred or held by Moaconcept. All transactions take place with connections secured by the latest industry security protocols.
Is it possible to pay before the due date?
Yes. Just go to the Klarna app or go to the Klarna.com/uk website and pay in advance.
The payment has been successful?
Klarna will send an email notification and push notification from the Klarna application when a payment is due and when it has been successfully collected, or in the unlikely event that the payment has not been successful. If a payment has been made but no payment confirmation has arrived, you will always be able to check the status of your order and payments in the Klarna app or by logging into the website www.klarna.com/uk.
What happens to the user's account statement after the goods are returned?
Once Moaconcept has received the return (partial or total) and the user has received the confirmation of receipt, Klarna will send an account statement with an updated payment plan in the case of a partial return. With a full merchandise return, we will refund all payments received and cancel all future scheduled payments. The user can always track the status of his order in the Klarna app.
The user has received the statement but has not yet received the goods.
In the event that the goods have not yet been received, call [MERCHANT] to check the status of the order and its delivery. You can also contact Klarna Customer Service so that we can postpone the payment due date or put the order on hold in the Klarna app pending delivery.
The user has canceled his order. How long will it take before I get my refund?
As soon as the store has registered the cancellation or return, the refund will be processed within 5-7 business days.
The user has requested a refund, how will it be made?
Refunds will be made to the debit or credit card that was originally given at checkout. The user has not received any email relating to his account statement or payment details. You can log into the Klarna app or the website www.klarna.com/uk, where you can find all your orders and scheduled payment information.
How can I contact Klarna if I have additional payment concerns?
Please see the Klarna app or the Klarna Customer Service page for the full list of FAQs, contact numbers and live chat.