klarna
Klarna Instalments: Your Questions Answered
Q: Who is Klarna?
A: Klarna is a trusted Swedish payment service provider that securely handles payments for over 200,000 online stores worldwide, including KOKOCOUTURE, serving more than 85 million users.
Pay Later in 3 Instalments
Q: How does “Pay Later in 3 Instalments” work?
A: This option lets you split your purchase into three equal, interest-free payments. The first payment is taken when your order is confirmed, with the remaining two payments collected automatically 30 and 60 days later from the same card. You can track and manage payments easily through the Klarna app.
Q: What are the eligibility requirements?
A: To use this option, you need to be at least 18. Klarna considers factors like order value, your previous history, and financial circumstances. Accurate billing details and shipping to your billing address can improve your approval chances. Klarna’s assessment is a “soft credit check” that won’t affect your credit score.
Q: How are payments collected?
A: Instalments are automatically charged to your debit or credit card. If a payment fails, Klarna retries after two days. If the second attempt also fails, Klarna will send a statement for the outstanding amount, due within 15 days. Klarna will remind you before each payment.
Q: What happens if I need to cancel or return my order?
A: Klarna will update your payment schedule and refund any completed payments after KOKOCOUTURE processes your return. This is reflected in the Klarna app.
Q: What if I miss a payment?
A: There are no fees, interest, or credit score impacts for late payments. However, repeated non-payment may prevent future use of Klarna, and prolonged unpaid balances may involve a debt collection agency.
Q: Can I pay early?
A: Yes, you can pay off your instalments early through the Klarna app or by logging in at Klarna.com/uk.
Pay Later in 30 Days
Q: How does “Pay Later in 30 Days” work?
A: With this option, you have 30 days to pay after your order is confirmed, with no extra costs. Klarna will send payment instructions by email, giving you time to try your items before paying online.
Q: What do I need to know about eligibility and payment?
A: You must be 18+ to use this option. Eligibility is based on factors like order value and your Klarna history. Like with instalments, Klarna may perform a soft credit check, which won’t impact your credit score. You can pay anytime before the 30-day deadline using your debit or credit card.
Q: Can I cancel or return my order?
A: Yes. If you cancel or return, Klarna will cancel the statement or refund any payments. Updates appear in the Klarna app.
Q: What if I miss the payment deadline?
A: Payment is due 30 days after shipping. Klarna sends reminders via email, push notifications, or text. There are no fees or interest for missed payments, but repeated non-payment may restrict future Klarna use. Long-overdue payments may involve debt collection as a last resort.
General Questions
Q: Is my payment information safe?
A: Yes, Klarna securely processes all payments. No card details are stored by KOKOCOUTURE, and transactions use industry-standard security protocols.
Q: How are refunds handled?
A: Refunds are sent to the card used at checkout. If you haven’t paid your statement, the refund will reduce or cancel it.
Q: How can I monitor my payments and orders?
A: Track your payment schedule and order status at any time through the Klarna app or by logging in at Klarna.com/uk. Klarna also sends email and push notifications for payment updates.
Q: Need more help?
A: Visit the Klarna app or Klarna’s Customer Service page for FAQs, live chat, and contact options.