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  • Millie & Blake Ltd
  • Unit A Enterprise Way Bessingby Industrial Estate, Bridlington, YO16 4SF

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Klarna FAQ

 

 

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 Millie & Blake and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the ​Klarna app​.    

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 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 3 interest-free instalments & Pay Later in 30 Days Work?  
 
To use Pay later in 3 interest-free instalments or Pay Later in 30 Days 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 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 Millie & Blake 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 Millie & Blake 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 Millie & Blake 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 [MERCHANT]. 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 Millie & Blake 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 email Millie & Blake 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.