We are now offering two new payment methods from Klarna—‘Pay in Three’ and Online Bank Transfer (Sofort).
HOW THEY WORK
PAY IN THREE
Monthly finance, also known as ‘pay in three’ allows you to spread the cost of your purchase over three 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 placed and instalments two and three are scheduled 30 and 60 days later, respectively.
Klarna Online Bank Transfer is a free direct transfer method with which you can make bank transfers in real time. When placing an order, simply log in with your online banking details and confirm the process with a TAN.
When you select the payment method ‘Klarna—Online Bank Transfer’ on Annoushka.com, you will be transferred directly to the Klarna Online Bank Transfer page. After completing the payment, you will be redirected to the Annoushka booking confirmation page.
* Please note that payment by Klarna Online Bank Transfer is only available in selected countries.
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 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.
How do I use ‘pay in three’?
When you shop online, Klarna’s system reviews each order to determine which payments options are available to you. If ‘pay in three’ is offered, simply select this option. The first time you shop with this method, you will be asked to apply for a Klarna Account. If you’re approved, Klarna will create an account for you and your order will be placed. Every time you shop with ‘pay in three’ after that, you only need to agree to the purchase and won’t need to sign up again. The order amount will be added to your Klarna Account as additional promotional plans.
I have been asked to go to Klarna’s site. Is this correct?
If you have chosen to pay monthly by Klarna, Klarna will send you an email with further details on how to pay.
Can I pay less than the amount owed each month?
You can at any time choose to pay your minimum payment instead of your interest-saver payment. Your monthly minimum payment is the amount to be paid to avoid incurring late fees on your Klarna Account. Should you choose to pay your minimum payment instead of your interest-saver payment this will mean you will lose your promotional plan offer and the remaining balance will start to incur interest at 18.9% APR (variable). The choice is yours.
Do I need to be 18?
Monthly financing is only available to people aged 18 or over.
How do I manage my Klarna Account?
Log in to the customer portal at Klarna.com at any time day or night to review your purchases and settle your monthly statement. If you need further assistance, you can contact Klarna’s Customer Service team.
How can I increase my chances of being accepted for ‘pay in three’?
Klarna is unique and offers Pay later 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 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 before does not mean it will be offered for every order and in turn, if it is denied it does not mean it will be denied for all future orders.
How is my statement sent?
If you chose to ‘pay in three’, we will send your monthly statement notification via email with instructions on how to make a payment and an overview of your Klarna Account. Once you have landed on your Klarna Account overview page, simply select ‘Make a payment’ and enter the amount you wish to pay towards your balance.
What do I need to provide when I make a purchase?
If you want to make a purchase with a Klarna Account you need to provide your mobile phone number and your email address as well as name, billing address and your date of birth. Your mobile number is required in case we need to reach you. All statements will be sent to your email address. It’s very important that you give us the correct details; otherwise you will not receive monthly statements and will be liable for late payment fees.
Is my payment information safe?
Payment information is processed securely by Klarna. No payment information is transferred to us or held by us. All transactions take place via connections secured with the latest industry standard security protocols.
How do I make a payment?
Firstly, log in at www.klarna.com/uk and visit your Klarna Account overview page. Then simply select ‘Make a payment’ and enter the amount you wish to pay towards your balance. Should you have any questions or concerns when making a payment you can contact Klarna’s Customer Service here.
I haven’t received an email with my statement.
Please contact Klarna’s Customer Service via live chat or phone. They will be able to provide you with details on how to pay.
What happens if I cancel or return my order?
As soon as Annoushka have accepted your cancellation/return, Klarna will then make any necessary adjustments to your balance and provide further help if needed.
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, we will credit the balance back to your Klarna Account within the next 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 your Klarna Account balance. If the Account ends up in a credit balance, this can be used towards future purchases or you can request it to be paid back by contacting Customer Service.
I’ve received my monthly statement and a payment is due, but I’ve not yet received my goods.
You should of course not pay your statement until you’ve received your goods. In this case, we would ask that you contact the store and get an update on your order. You should also contact Klarna’s Customer Service so that we can postpone the due date on your payment.
I still have questions regarding payment.
Visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options.