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Klarna

Klarna is the smoooth and safe way to get what you love today at Miracle Leaf, and pay over time.

Klarna’s Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of Smoooth payments to more than 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

 

Miracle Leaf Wellness Ltd. is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.

Why Klarna?

 

With two flexible ways to pay, choose between paying up to 30 days later, or spreading the cost into three instalments. Always spend responsibly and make sure you can afford your monthly repayments on time borrowing more than you can afford could seriously affect your financial status.

 

Pay in 3 instalments

Spread the cost of your purchase into 3  instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. 

Pay in 30 days

Make your purchase today and  pay up to 30 days later. No interest*

*No fees, when you pay on time! Customers will only be charged late fees if they have failed to pay after they have received multiple friendly reminders to encourage repayment, and after the set grace period has passed. Click here for the full Klarna Terms & Conditions

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Frequently Asked Questions

Who are Klarna?

Klarna is one of Europe’s largest banks where you can buy now and pay later. Over 90 million customers use Klarna Pay Later at over 200,000 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 no fees, when you pay on time!

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.

 

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.

 

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.

 

 

How does Klarna store my card details and my personal data?

We store your card details on our systems when you shop with us. We’ll use these details to approve future payments. Unless you opt out, we may also use this information to fill out your card details for your convenience when you buy things in the future.

You can manage your cards online. If Klarna gets updated card details from your bank, we might also store this information on our system.

We use your personal data to identify you and to carry out customer analysis, credit assessments, credit reporting to credit reference agencies, marketing and business development. We might also share your data with some partners (such as credit reference bureaus), which might be based outside of the UK.

 

Who can use Pay in 3?

You must be a UK resident, over 18 years old and have a valid payment card to use Pay in 3. When we say ‘valid payment card’, we mean the card must be in your name, and must not have expired. You should also make sure the card you use has enough money available to cover all the instalments.

Pay in 3 is a credit product. It’s Klarna decision whether or not we start a credit agreement with you.

 

 

When will Klarna take my payments?

At the point of purchase Klarna will freeze the first of your three instalments on your card. This means you won’t be able to spend this money on anything else. Once we’ve received confirmation that your items have been shipped, or that the order has been processed, the first of your three payments will be taken from your card automatically using the frozen amount.

The second payment will be taken 30 days after the first payment, and the last one 60 days after the first payment. Klarna will charge your card automatically when your payment is due so you don’t have to worry about missing a payment.

 

Does a credit search take place against me?

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

 

 

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.

 

What happens if you can’t take an instalment because I don’t have enough money on my card?

If we can’t take the first instalment from your card, we’ll let you know, and try up to two times again to take the money. We’ll let you know when we’re going to try again, so you’ll have plenty of time to put some money onto your card to make the payment.

If we can’t take the money from you after two attempts, we’ll roll the missed payment over to the second instalment. If we can’t take the second instalment, we’ll give you a few days to update your card details or make sure there’s enough money on your card.

If we still can’t take payment after two more attempts, we’ll roll over the payment to the next and final instalment. If we still can’t take the payment, we’ll try again twice. If we’re still not successful, we might ask you to pay the outstanding amount directly or use a debt collection agency to collect the money for us.

Klarna will always get in touch with you before charging your card. We will also contact you if we roll over a payment to the next due date or if we have to use a debt collection agency.

Not paying your instalments on time might also mean you can’t use Klarna in the future. We will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time.

 

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What happens if my card is cancelled, or my card details change?

If your card is cancelled, you’ll still have to pay us any money you owe as soon as we ask you to.

If your card details change between your purchase and your final payment, you must tell us your new details. You can do this online. If you don’t give us this information, we might ask the bank for your details.

 

How do I make a complaint?

You can make a complaint through Klarna customer service webpage using their live chat feature, or by calling Klarna on (+44) 0808 189 3333. We try to handle all complaints as quickly and smoothly as possible.

 

 

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.