Klarna is on a mission to reshape shopping, by elevating the entire shopping experience from browsing to owning. We do this by giving you the benefits of convenience, perks and inspiration. Founded in Stockholm, Sweden, Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. We have 5,000 employees across 45 countries, and are leading the way for alternative payments by serving 147 million consumers and 400,000+ retailer’s payment solutions.

Klarna’s Pay in 3 instalments is a credit product that lets you spread the cost of your purchases over 3 equal payments. Klarna will take the payments from your debit or credit card directly so you don't have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app. Late fees may apply.

Yes, you can. If you see Klarna Pay in 3 instalments when you go to an online checkout then Pay in 3 instalments is available to you. Every time you use Pay in 3, Klarna will check to see whether you can use Pay in 3 again for each additional purchase.

Pay later in 30 days is a credit product which lets you pay any time within 30 days of your purchase without interest or fees. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna/com.

Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.

Yes, you can. If you see Klarna Pay later in 30 days when you go to an online checkout then Pay later in 30 days is available to you. Every time you use Pay later in 30 days, Klarna will check to see whether you can use the service again for each additional purchase.

Klarna offers Pay in 30 days & Pay In 3 instalments based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 30 days or Pay In 3 instalments by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 30 days or Pay In 3 instalments before does not mean it will be offered for every order. In turn, if your application for Pay in 30 days or Pay In 3 instalments is denied, it does not mean it will be denied for future orders.

Klarna is unique and offers Pay in 30 days or Pay In 3 interest-free instalments 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 in 30 days or Pay In 3 interest-free instalments by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method 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

If you want to purchase something using Klarna’s Pay in 30 days or Pay In 3 instalments, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.

Yes. Just go to the Klarna app or log onto Klarna.com

As soon as we have confirmed with Klarna that your cancellation and return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.

If you don't make your payments you will be in arrears as Pay Later in 30 & Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difcult or more expensive to use Klarna or other lenders' credit products in the future.

Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.

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

Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com

As soon as Smuuv Body has confirmed with Klarna that your cancellation/return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due, less the returns charge which you will have to settle with Klarna. You will see the return in the Klarna app immediately.

Once Smuuv Body has received the return and Klarna has received our confirmation, Klarna 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.

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. You may have outstanding payments on previous Klarna invoices. You may have missed a required field at the checkout, e.g. your date of birth. Please note that Klarna is an independent payment company and Smuuv has no influence over whether your payment with Klarna is accepted or not. If you have any trouble with your order, please contact Klarna Customer Service.

Visit Klarna app or Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.