Pay later in 30 days 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  90  million  consumers worldwide have trusted Klarna to securely handle their payments.

How does Pay later in 30 days work?

Pay  later  in 30  days is a form  of credit which allows you to delay payment of your  purchase by 30  days. 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,  accurate address details and  arrange shipping to your  registered billing  address. All orders are assessed individually. Just because you have been accepted for Pay  later  in 30  days before does not mean it will be offered for every order.  In turn,  if your application for Pay  later  in 30  days is denied, it does not mean it will be denied for future orders.

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 EROTIC APPLE run credit searches against you that could impact your credit rating.

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 EROTIC APPLE 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, we’ll 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, we’ll also send you a text  or letter,  too. You will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s ‘Pay later  in 30  days’ product even  if you have failed to pay  on time. If you fail to pay  on time, you will be in default, and  may  be unable to use Klarna’s services in the future.  If you do not pay  for your  purchase, Klarna may  engage with an external debt  collection agency to collect on our behalf. Debt  collection agencies are used as a last resort.

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 are always able  to view payments 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.

Is my payment information safe?

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

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

Have you received my payment?

If you pay  by card, EROTIC APPLE 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 have used for your  order.  If you have made a payment but not received the payment confirmation, you can always check the status of your  order and  payments by logging in to the Klarna app  or www.klarna.com /uk.

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

Once EROTIC APPLE has received the return (partial or full) and  you have received their  confirmation of this, 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 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.

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 EROTIC APPLE 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.

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  Klarna’s  Customer Service page for a full list of FAQs, live chat and  telephone options.