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Klarna - Pay in 3
Klarna – Pay in 3
Klarna - Pay later in 3 interest-free installments
Frequently Asked Questions
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.
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 4Boards and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ 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 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.
How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?Klarna is unique and offers Pay later 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 later 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.
What do I need to provide when I make a purchase?If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.
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 4Boards run credit searches against you that could impact your credit rating.
Why have I not been offered Pay later in 3 interest-free instalments?Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.
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 you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.
What happens if I cancel or return my order?As soon as 4Boards have accepted your cancellation/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.
What happens if I don’t pay for my order?Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at 4Boards from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time.
I have been asked to go to the Klarna site. Is this correct?You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto Klarna.com/uk.
Is my payment information safe?Payment information is processed securely by Klarna. No card details are transferred to or held by 4Boards. All transactions take place via connections secured with the latest industry standard security protocols.
Can I pay before the due date?Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.
Have you received my payment?Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk
What happens to my statement, when I've returned the goods?Once 4Boards has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we 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.
I've received a statement, but I've not yet received my goods.In the event that your goods have not been received please call 4boards to check on your order and delivery status. 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 5-7 business days.
I have asked for a refund. How will I be refunded?Refunds shall be issued back to the debit or credit card which was originally entered at checkout.
I haven’t received an email with my statement/payment information.You can log in the Klarna app or at www.klarna.com/uk where you will find all of your orders and payment schedule information.
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.
How do I order?
Placing an orderSelect the item you wish to purchase and add to cart, this will display the price and any delivery charges.
Calculating delivery costsClick on the Shopping Cart to open it, you will see a "Shipping Calculator" function below the cart, please enter a country, state & valid postcode (0000 for countries without postcodes) and select the Update button.
Channel Islands Customers
Please ensure that you use the calculate shipping option and set your country to GUERNSEY or JERSEY, this will automatically remove UK VAT from the price. If you want your goods to be sent by SHIP 2 ME please select Ship 2 Me as shipping option, we will contact you for details of your Ship 2 Me account and arrange for delivery to Portsmouth Ship 2 Me warehouse.
VAT (UK sales Tax)VAT is payable for all orders delivered to European Economic Community countries including the UK (except those delivered to the Channel Islands - see above) . VAT will automatically be deducted from shopping cart items for all other countries providing the "Shipping Calculator" Shopping Cart function is used to set the country, otherwise, VAT will be deducted after address information is provided at checkout time. PLEASE NOTE - Once the country in the has been set in the Shipping Calculator, it will apply during the current site session and prices will be set excluding VAT if the country is not within the European Economic Community.
Can I return my item?Please see our Terms & Conditions for clarification. In short, UK customers have the legal right to return a product providing certain conditions are met and that return carriage is paid by the customer. 4Boards will fund return carriage for any item that does not meet specifications.