Klarna

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 200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.

Is my payment information safe?

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

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 IN Extensions run credit searches against you that could impact your credit rating.

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

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

Pay Later in 30 Days

How does Pay later in 30 days work?

Once your order is 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 in Klarna.app or by logging into www.klarna.com/uk.

Am I eligible for Pay later in 30 days?

To use Pay later in 30 days you must be at least 18. Whilst this option is widely promoted, Pay later in 30 days is subject to your financial circumstances. When choosing Pay later in 30 days, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 30 days?

Klarna is unique and offers Pay later in 30 days 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 in 30 days 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 in 30 days 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.

Why have I not been offered Pay later in 30 days?

Although Pay later in 30 days is widely promoted it is not always universally available. The Pay later in 30 days 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 in 30 days payment option, where you can pay for the goods once you have received them via credit card or debit card. You can always monitor your outstanding payments in the Klarna app.

What happens if I cancel or return my order?

As soon as IN Extensions have accepted your cancellation/return, then Klarna will cancel the statement or refund your payment. The return will be reflected in the Klarna app immediately.

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

Payment is due 30 days after the item is shipped. To help you pay on time, Klarna will alert you two days before payment is due – you’ll receive a push notification from the Klarna app or email reminders to pay – and, if very late, Klarna may also send you a text or letter. Your credit score will not be impacted by using Klarna’s ‘Pay later in 30 days’ products even if you have failed to pay on time.

I have been asked to go to the Klarna site. Is this correct?

If you have chosen to Pay later in 30 days, Klarna will send you an email with further details on how to pay. Your email will contain a link to Klarna where you can settle your payment with your credit or debit card. You can always view payment instructions in the Klarna app.

What do I need to provide when I make a purchase?

If you want to make a purchase with Klarna you need to provide your name, address and email address. For some orders you may need to provide your mobile number or date of birth too. All information will be sent to your email address, including payment reminders and links to your online statements. It's very important that you give us the correct details, as otherwise you will not receive the payment information.

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 in this email or in the Klarna app to pay for your order.

Have you received my payment?

If you pay by card, IN Extensions will confirm your order right away. If paying by Pay later in 30 days, Klarna will send you a payment confirmation to the email address that you used for your order. If you have made a payment but not received the confirmation, you can always check the status of your order and payments in the Klarna app or at www.klarna.com/uk.

What happens to my statement when I’ve returned the goods?

Once IN Extensions has received the return (partial or full) and you have received their confirmation, an updated statement will be sent to you by Klarna if you’ve made a partial return. With a full return, your statement will be closed. You can always monitor the status of your order in the Klarna app.

I've received a statement, but I've not yet received my goods.

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 call IN Extensions to check on delivery. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.

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 a 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.

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

If you do not have your statement number to hand, you can log into the Klarna app or visit www.klarna.com/uk, where you’ll find all of your orders and be able to make payments.

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 IN Extensions and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payment schedule in the Klarna app.

Am I eligible for Pay later in 3 interest-free instalments?

To use Pay later in 3 interest-free instalments, you must be at least 18. Whilst this option is widely promoted, Pay later in 3 is subject to your financial circumstances. When choosing this option, Klarna's assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 3?

Klarna is unique and offers this payment option based on factors such as order value, previous order history, and item availability. You can improve your chances by providing accurate personal details and shipping to your registered billing address. Each order is assessed individually.

What do I need to provide when I make a purchase?

You’ll need to provide your mobile phone number, email address, current billing address, and a debit or credit card. All communications will be sent to your email address. It's important to enter the correct details so you don’t miss any payment reminders.

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

Although this option is widely promoted, it is not always universally available. The payment method is automatically generated by algorithms that consider a range of factors including order amount, your personal details, item availability, and the online store – in this case, inextensions.co.uk.

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 entered at checkout. The first payment is taken when the order is confirmed. Instalments two and three are collected 30 and 60 days later, respectively. You can monitor your payment schedule anytime via the Klarna app.

What happens if I cancel or return my order?

As soon as IN Extensions has accepted your cancellation or return, Klarna will cancel any future scheduled payments and refund any payments already taken. The status will be updated in your Klarna app immediately.

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

Klarna will attempt to collect payment for your order from the card you entered at checkout. If the payment fails, Klarna will retry after two days. If it still fails, you’ll be issued a statement for the full outstanding amount, which will be due in 15 days. Klarna will notify you before attempting any payment. Your credit score will not be impacted, even if you miss a payment.

I have been asked to go to the Klarna site. Is this correct?

Yes – you can view all of your Klarna purchases and payment schedules in the Klarna app or by logging into www.klarna.com/uk.

Is my payment information safe?

Payment information is securely processed by Klarna. No card details are transferred to or held by IN Extensions. All transactions are conducted through secure, encrypted connections using the latest industry-standard protocols.

Can I pay before the due date?

Yes, you can make early payments at any time via the Klarna app or by logging into www.klarna.com/uk.

Have you received my payment?

Klarna will notify you via email or push notification when a payment is received or if it fails. If you’re unsure, you can always check your payment status in the Klarna app or on Klarna's website.

What happens to my statement when I’ve returned the goods?

Once IN Extensions confirms the return, Klarna will update your payment schedule or refund you in full. This will be reflected immediately in the Klarna app.

I've received a statement, but I haven't received my goods.

If your goods haven’t arrived, please contact IN Extensions for an update. You can also reach out to Klarna’s customer service to pause your payment while you wait.

I have cancelled my order. How long until I get my refund?

Once your cancellation is registered by IN Extensions, Klarna will process the refund within 5–7 business days.

How will I be refunded?

Refunds are sent to the debit or credit card used at checkout.

I haven’t received an email with my statement/payment info.

You can view all your Klarna orders and payment details in the Klarna app or by logging into www.klarna.com/uk.

 

Disclosure:

Klarna's Pay in 3 and Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively affect your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. Terms and conditions apply.