KLARNA FAQ

FREQUENTLY (OR NOT SO FREQUENTLY) ASKED QUESTIONS.

Please find a list below of commonly asked questions regarding Klarna payments.

WHO IS KLARNA?

Klarna is a global payment and shopping provider that takes end-to-end responsibility for your payment. Klarna allows shoppers to buy now and pay later at more than 200,000 retailers around the world. Learn more.



WHAT ARE 4 INTEREST-FREE INSTALMENTS FROM KLARNA? 

When you pay in 4 interest-free instalments with Klarna, your purchase is split into 4 payments automatically charged to your debit or credit card every 2 weeks. There is no interest and no fees when payments are made on time. It’s that easy.



IS THERE A COST FOR PAYING IN 4 INTEREST-FREE INSTALMENTS?

There are no added costs or upfront fees when using this payment option. A late fee may be charged for payments made after the due date. View terms here.


WILL THIS IMPACT MY CREDIT SCORE?

Klarna performs a credit check when you first create a one-time card in the shopping app or the first time you pay a seller with Klarna through their site. We may perform other credit checks for future purchases you make to keep our commitment to lending responsibly.
The check is completed by a third party, Illion. This check will be visible on your credit report and could have a small impact on your credit score. Learn more.



WHAT HAPPENS IF I CANCEL OR RETURN MY ORDER?

As soon as we have received and accepted your cancellation or return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.


WHY HAVE I NOT BEEN OFFERED PAY IN 4 INTEREST-FREE INSTALMENTS?

Eligibility to pay in 4 interest-free instalments with Klarna is generated by algorithms that consider a number of factors. All orders are assessed individually, and if you have been accepted for a Klarna payment method before, it does not mean it will be offered for every order. In turn, being denied once does not mean you will be denied for all future orders.


HOW DO I PAY FOR MY ORDER

As soon as your order is shipped, you will receive an email from Klarna outlining your payment schedule. Payments will be automatically withdrawn from the debit/credit card you provided at checkout.



WHEN IS MY PAYMENT DUE?

The first ¼ of your payment is due when your order has shipped. The remaining three payments will automatically charge every two weeks. Your payment schedule is sent via email and you can also access your payment schedule in the Klarna app by clicking on ‘Spending’, choosing the order you want to see, and then clicking on ‘Show Plan’.



CAN I PAY BEFORE THE DUE DATE?

Yes. Just open the Klarna app or log onto https://app.klarna.com/ to pay off your balance early.


IS MY PAYMENT INFORMATION SAFE?

Your payment information is processed securely by Klarna. No payment details are shared with Shade Files. All transactions take place via connections secured with the latest industry standard security protocols.


I STILL HAVE QUESTIONS REGARDING PAYMENT, HOW CAN I GET IN TOUCH?

Chat with our support team 9:00-18:00 7 days a week in the Klarna app or review Klarna’s Customer Service page for a full list of FAQs.


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