KLARNA - Buy now, pay later in 30 days

Who is Klarna?

Klarna is a swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 70,000 online stores. over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Klarna work?

As soon as your order has been confirmed, you'll receive an email within 2 days from Klarna with payment instructions. You'll then have 30 days to try on your order and pay when you’re happy. You'll need to complete the payment online, at your convenience, with no extra cost. you can pay via credit or debit card at Klarna website: https://www.klarna.com

Am I eligible for Klarna?

You must be at least 18 years old to use Klarna payments. Although this option is promoted, pay later is subject to your financial circumstances. When choosing pay later at checkout, Klarna will decide if you're eligible to receive Pay Later - this will not affect your credit rating if you're accepted or declined.

How can I increase my chances for being accepted for Klarna?

Klarna is unique and offers pay later based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered pay later by ensuring you provide your full name and accurate address details as well as shipping to your registered billing address. All orders are assessed individually. Just because you may have had pay later before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

What info do I need to provide when making a purchase?

You'll need to provide your mobile phone number and your email address if you want to make a purchase with Klarna. The mobile number is required in case we need to reach you. All statements will be sent to your email address. It's very important that you give us your correct details, as otherwise you will not receive the payment information and will be liable for delayed payment fees.

Will a credit search take place against me?

Klarna may run an unrecorded enquiries (or soft credit search) that will not affect your credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor The Black Market will run credit searches against you that could impact your credit rating.

Why have I not been offered Klarna?

Although pay later is widely promoted, it is not always universally available. The pay later method is automatically generated by algorithms that are dependent upon a number of factors - including the amount of your order, the online store, previous order history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at checkout.

What are my payment options with Klarna?

You can pay with a debit or credit card immediately in the checkout or take advantage of our pay later payment option, where you can pay for the goods once you have received them via credit card or debit card.

What happens if I cancel/ return my order?

As soon as The Black Market has accepted your cancellation/return, then Klarna will cancel the statement or refund your payment.

What happens if I don’t pay my order?

Payment is due 30 days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due – you'll receive email reminders to pay – and, if very late, we’ll also send you a text or letter, too. if you fail to pay Klarna for your order, your credit score will be affected. You will also have the option to "Snooze" the payment for 10 days if you need a little longer to pay - although you can only use this 3 times a year.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by The Black Market. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?

You can pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on the email to pay for your order.

Have you received my payment?

If you pay by card, The Black Market will confirm your order right away. if paying by pay later, Klarna will send you a payment confirmation to the email address that you have used for your order. If you have made a payment but not received the payment confirmation, you can always check the status of your order and payments by logging in at https://www.klarna.com.

I’ve received a statement, but I haven’t received my order?

You have 30 days to pay, so you don’t need to pay right away. If your due date is near and there is no sign of your goods, please contact The Black Market at lisa@theblackmarkt.com (Please have your order number to hand) to check on your delivery. You can also contact Klarna’s customer service so that we can postpone the due date on your payment.

I have cancelled my order. How long will it take until I receive my refund?

As soon as The Black Market has registered your cancellation or your return, the refund will be processed within 7 business days.

I haven’t received an email with my statement/ payment information from Klarna.

If you do not have your statement number to hand you can log in at https://www.klarna.com, where you will find all of your orders and be able to make payments.

KLARNA - Pay later in 3 interest free instalments

How does pay later in 3 interest-free instalments work?

Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. 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 The Black Market and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

Why have I not been offered pay later in 3-interest-free instalments?

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability. What are my payment options with Klarna? Payment for your Pay later 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 don’t pay for my order?

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchased at The Black Market 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 shall notify you when a payment is due two days in advance of attempting to collect your payment.

I still have questions regarding payment, how can I can in touch?

Visit klarna’s customer service for a full list of FAQs, live chat and telephone options.

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