BUY IT, TRY IT, PAY LATER WITH KLARNA
Klarna are a Swedish payment service provider who are partnered with Luke 1977 to take complete responsibility for the payment of your order. Klarna are one of the fastest growing payment options globally with over 60 million customers supported, plus the phrase ‘Klarna It’ is becoming common amongst regular online shoppers. So, what is Klarna?
- Klarna is a Buy Now, Pay Later payment option.
- No sign up or account required.
- No credit application, no interest and no fees.
- No extra paperwork - just instructions and a friendly reminder from Klarna to pay for what you keep.
- Click ‘Pay Later’ at checkout and get 14 days from receiving your order to pay your invoice.
- The catch? None. You just need to be UK based, over 18 and have a reasonable credit record.
Klarna is perfect for those must have purchases, last minute gifts and statement clothing that you're not quite sure about - simply shop for what you need and select ‘Pay Later’ in the payment options at the end of the checkout. Luke 1977 will deliver your order and Klarna will deal with the payment.
Who is Klarna?
Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of Smoooth payments to more than 70,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.
HOW DOES PAY LATER WORK?
Once your order's confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to try on your order and only pay when you’re happy. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card at www.klarna.com/uk.
AM I ELIGIBLE FOR PAY LATER?
To Use Pay Later you must be at least 18. Whilst this option is widely promoted. Pay later is subject to your financial circumstances. When choosing Pay later, the assessment will not affect your credit rating.
How can I increase my chances of being accepted for Pay later?
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 and shipping to your registered billing address.
All orders are assessed individually. Just because you 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 DO I NEED TO PROVIDE WHEN I MAKE A PURCHASE?
If you want to make a purchase with Klarna, you'll need to provide your mobile phone number and your email address. 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 the correct details, as otherwise you will not receive the payment information and so will be liable for delayed payment fees.
WILL A CREDIT SEARCH TAKE PLACE AGAINST ME?
Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Luke 1977 run credit searches against you that could impact your credit rating.
WHY HAVE I NOT BEEN OFFERED PAY LATER??
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 amount of 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 the checkout.
WHAT ARE MY PAYMENT OPTIONS WITH KLARNA?
You can pay with 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 OR RETURN MY ORDER?
As soon as Luke 1977 have received your cancellation/return, then Klarna will cancel the statement or refund your payment.
I HAVE CANCELLED MY ORDER. HOW LONG WILL IT TAKE UNTIL I RECEIVE MY REFUND?
As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days.
I HAVE ASKED FOR A REFUND. HOW WILL I BE REFUNDED?
If you have paid for your order with card, the refund will be made back to the same card. If you have not paid the statement yet, then the refund will reduce the statement or cancel it completely.
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 this email to pay for your order.
HAVE YOU RECEIVED MY PAYMENT?
If you pay by card, Luke 1977 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 www.klarna.com.
I HAVEN'T RECEIVED AN EMAIL WITH MY STATEMENT/PAYMENT INFORMATION.
If you do not have your statement number to hand you can login at www.klarna.com/uk, where you will find all of your orders and be able to make payments.
I STILL HAVE QUESTIONS REGARDING PAYMENT, HOW CAN I GET IN TOUCH?
Visit Klarna's Customer Service for a full list of FAQs, live chat and telephone options.
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