Klarna

How It Works

What is Klarna?

Klarna is one of the smoothest and safest ways to get what you want today, and pay over time.

What is Pay in 4 and how does it work?

Pay in 4 allows you to split your purchase into four interest-free payments, paid every two weeks. Once your items are in your cart, just choose Klarna at checkout. The first payment will be taken from your credit card, debit card, or bank account when your order is shipped. The remaining three payments will be automatically charged every two weeks afterwards.

Who can use Klarna?

To be eligible to use Klarna, you must:

• Be a resident of the United States or its territories

• Be at least 18

• Have a valid card/bank account

• Have a positive credit history

• Be able to receive verification codes via text

Which payment methods are accepted?

Klarna currently accepts most debit and credit cards (i.e. Mastercard, Visa, Discover, American Express), as well as checking accounts for ACH payments. Please note, prepaid cards are not accepted on the Klarna app.

Where can I Pay in 4 with Klarna?

Klarna is currently available nationwide, except for New Mexico, Hawaii, and US Territories (excluding Puerto Rico).

If there’s an issue with my order, do I still need to pay for it?

No, you do not need to pay for items that you did not order, are faulty, or are broken. Please contact the store to let them know you received the wrong order and follow their instructions. Then, let Klarna know which items you have an issue with:

• In the Klarna app, go to “Orders” and select the order you want to cancel

• Tap “Report a problem” or “More” and then “Report a problem”

• Select the option that suits you best and follow the instructions to pause your payments

By doing this, your payment plan will be paused until you’ve resolved the issue with the store. You can check the status of your reported problem on the details page of your purchase in the Klarna app.

What happens if I need to make a return?

Follow the store’s return instructions. Then, let Klarna know which items you have returned by reporting a return:

• In the Klarna app, go to “Orders”

• Select the purchase, or the items, you wish to return

• Tap “Report return”

Heads up: If you later wish to return more items than you initially reported in the app, be sure to let the store know so your order details can be updated.

Has Klarna received my payment?

Klarna will send an email confirmation for all completed payments. You can also call or live chat with Klarna’s customer service agents 24/7 to confirm payment.

Can I pay before the due date?

Yes. If you want to pay the next payment or full balance of your payment plan early, simply log into the Klarna app, go to the “Purchases” tab, and select “Payment Options.”

What happens if I don’t pay for my order?

Klarna will email you if your payment is unsuccessful and try one or more times to collect it. If they can’t collect it, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value at the time of purchase.

Your credit score will not be impacted when you use Klarna payment products.

Don’t see your question here?

Check out Klarna’s full FAQ page. You can reach Klarna anytime at klarna.com/us/customer-service or by downloading the Klarna app.