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Benefits of Pay Later with Klarna


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Who are Klarna?


Klarna is one of Europe’s largest banks where you can buy now and pay later. Over 45 million customers use Klarna Pay Later at over 65,000 online stores.


What’s my payment option?


Pay in 30 days allows a consumer to get up to 30 days to pay after purchase. This product is completely interest free and there are no late fees applied.


Pay in 3 instalments allows a consumer to spread the cost over 3 equal monthly installments for their product. This product is completely interest free and there are no late fees applied.



What do I need to provide when I make a purchase?


Just your name, address and email address. For some orders you may need to provide your mobile number or date of birth, too. From there, you will receive everything through email. It’s important that you give us the correct details, otherwise you will not receive the payment information and be liable for delayed payment fees.


How do I Pay in 3 instalments?


With Pay in 3, you can pay for something you buy by dividing the cost into three equal instalments. 

At checkout, you’ll see an option to ‘Pay Later in 3 interest-free instalments’. When you choose this option, just enter your card details to complete your purchase. 

There won’t be any interest, fees or charges for using a debit or credit card. Although your bank might charge you interest or other fees on top. 


Which cards does Klarna accept?


Klarna accepts most cards except prepaid cards. We may also not accept a card that’s due to expire in the near future. We’ll let you know at checkout if your card hasn’t been accepted.



What happens if I return or cancel my order? 


Klarna will cancel the statement once your order has been cancelled. If you return your order, a refund will be processed we receive it, Klarna will then refund your payment.


Does a credit search take place against me?


No. Neither Klarna nor Miracle Leaf run credit searches against you that could impact your credit rating.


What happens if I don’t pay?


Payments are due 30 days after the item is shipped. To help you pay on time, you’ll be sent a reminder email two days before payment is due – if very late, we’ll also send you a text or letter. Please note, your credit score will be affected if you don’t pay Klarna for your order.


Klarna is a form of credit. It is important that you complete your payment for your purchase no later than on the communicated due date. 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.


I’m having trouble paying with Klarna?


If you are having trouble paying with Klarna, it could be due to one of the following:


  • Klarna may have rejected your application to pay on account. We’d recommend choosing another type or payment or placing an order for a smaller amount.
  • You may have outstanding payments on previous Klarna invoices.
  • You may have missed a required field at the checkout, such as filling in your Date of Birth. Note: you must be 18 or over to pay with Klarna.

Please spend responsibility. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford your monthly repayments on time.