FAQ: PAY IN 3 INSTALLMENTS WITH Klarna.
Frequently asked questions about the option
"Pay in 3 installments without interest
Who is Klarna?
Klarna is a Swedish payment service provider that takes responsibility for user payments. Klarna is the simplified payment provider for over 200,000 online shops. So far, more than 85 million customers worldwide have relied on Klarna for their payments.
How does the "Pay in 3 installments without interest" option work?
"Pay in 3 installments without interest" allows you to spread the cost of your purchase over 3 equal payments. The payments for each instalment will be automatically debited from the debit or credit card you indicated at the time of payment. The first installment will be charged when the order is confirmed by ENPOSH and the second and third installments will be 30 and 60 days later, respectively. You can always monitor your payment schedule in the Klarna app.
Who is eligible for the "Pay in 3 installments without interest?" option?
To use the "Pay in 3 installments without interest" option, you must be at least 18 years old. Although the "Pay in 3 installments without interest"" option is widely advertised, it is subject to the financial circumstances of the user. By choosing to take advantage of the "Pay in 3 installments without interest"" option, our analysis will not affect your credit rating.
How can I increase my chances of being accepted for the "Pay in 3 installments without interest" option?
Klarna is unique in offering the "Pay in 3 installments with no interest"" option based on a number of factors such as order value, order history and item availability. If you are over the age of 18, you can increase your chances of taking advantage of the "Pay in 3 installments without interest"" option by ensuring that you provide your full name and an accurate address, and that you use your registered billing address for shipping. All orders are reviewed individually. Just because you have taken advantage of the "Pay in 3 installments without interest" option previously does not mean that you will be offered the option for every order; and, if you have been denied the option previously, it does not mean that you will be denied the option for all future orders.
What do you have to provide when you make a purchase?
If you wish to make a purchase with Klarna using the "Pay in 3 installments without interest" option, you will need to provide your phone number, email address, current billing address, and debit or credit card number. Your mobile phone number is required in case we need to contact you. All communications will be sent via email. It is very important that we are provided with the correct details as otherwise the payment schedule and any order updates may not arrive.
Will a credit check be done against you?
Klarna may make so-called undocumented inquiries (or soft credit searches) which have no effect on your credit score and are only visible to you and Klarna, but are not visible to other lenders. Neither Klarna nor ENPOSH performs credit searches against you that could affect your credit score.
Why is the "Pay in 3 installments without interest" option not available to everyone?
Although the "Pay in 3 installments without interest" option is widely advertised, it is not always available to everyone. The 'Pay in 3 installments without interest' option is automatically generated by algorithms that depend on a number of factors including address, cardholder details, order total, online store, previous order history and item availability.
What payment options are available with Klarna?
Payments for the "Pay in 3 installments without interest" option will be automatically charged to the debit or credit card indicated at the time of payment. The first payment will be charged when the order is confirmed. The second and third installments will be charged 30 and 60 days after the first installment, respectively. You can always monitor your payment schedule in the Klarna app.
What happens if I cancel or return my order?
As soon as ENPOSH accepts the cancellation or return, Klarna will cancel any future scheduled payments and also refund any amount due. The return will be immediately visible in the Klarna app.
What happens if the order is not paid for?
Klarna will attempt to charge the payment for the "Pay in 3 installments without interest" at ENPOSH to the debit or credit card indicated at the time of payment. If it is not possible to charge the payment on the due date, Klarna will make a second attempt to automatically charge the payment two days later. If this attempt is unsuccessful, Klarna will issue a statement for the full outstanding amount which will become payable 15 days later. Klarna will notify you when the payment is due two days before you attempt to collect it and you can always monitor the due date in the Klarna application. If you do not pay on time using the "Pay in 3 installments without interest" option, your credit score will not be impacted.
You have been asked to go to the Klarna website. Is this correct?
You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging into Klarna.com/uk.
Is your payment information secure?
Your payment information is processed securely by Klarna. No card data is transferred or retained by ENPOSH. All transactions take place over secure connections using the industry's latest security protocols.
Can I pay before the expiration date?
Yes. Simply go to the Klarnba app or log on to the Klarna.com/uk website and pay in advance.
Was the payment successful?
Klarna will send you an email notification and a push notification from the Klarna app when a payment is due and when it has been successfully collected, or in the unlikely event that the payment is not successful. If a payment has been made but no payment confirmation has arrived, you will always be able to check the status of your order and payments in the Klarna app or by logging into www.klarna.com/uk.
What happens to your statement after you return the goods?
Once ENPOSH has received the return (partial or total) and you have received confirmation of receipt, Klarna will send you a statement with an updated payment schedule in the case of a partial return. With a full return, we will refund all payments collected and cancel all future scheduled payments. You will always be able to monitor the status of your order in the Klarna app.
You have received your statement but have not yet received the goods.
In the event that the goods have not yet been received, please call ENPOSH to check the status of your order and its delivery. You can also contact Klarna Customer Service so we can postpone the payment due date or put your order on hold in the Klarna app pending delivery.
You have cancelled your order. How long will it take before I receive my refund?
As soon as the store has registered the cancellation or return, the refund will be processed within 5-7 business days.
The user has requested a refund, how will it be processed?
Refunds will be made to the debit or credit card that was originally given at checkout.
The user has not received any emails regarding their statement or payment details.
You can access the Klarna app or website www.klarna.com/uk, where you will be able to find all of your orders and scheduled payment information.
How can I contact Klarna with further questions about payments?
Please refer to the Klarna app or Klarna Customer Service page for a full list of frequently asked questions, phone numbers, and live chat.