Klarna and Clearpay FAQs

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Klarna FAQs

Klarna Jewellery

Klarna pay later in 30 days - Frequently Asked Questions

Who is Klarna?

Klarna is a payments service that helps you buy the things you want or need. Right now, over 100 million people worldwide use Klarna at over 200,000 online stores.

How does Pay later in 30 days work?

Pay later in 30 days is a credit product which lets you pay any time within 30 days of your purchase without interest or fees. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna/com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.

Am I eligible for Pay later in 30 days?

You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay later in 30 days. When you choose Klarna they will also check the information you provide and your financial situation.

Can I have multiple Pay later in 30 days orders at the same time?

Yes, you can. If you see Klarna Pay later in 30 days when you go to an online checkout then Pay later in 30 days is available to you. Every time you use Pay later in 30 days, Klarna will check to see whether you can use the service again for each additional purchase.

What does Klarna consider when reviewing my application?

Klarna offers Pay later in 30 days based on a number of factors such as the purchase amount, previous order history. If you are 18 or over, you can improve your chances of being offered Pay later in 30 days by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay later in 30 days before does not mean it will be offered for every order. In turn, if your application for Pay later in 30 days is denied, it does not mean it will be denied for future orders.

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

If you want to purchase something using Klarna’s Pay later in 30 days, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.

Will a credit search take place?

When you use Pay later in 30 days, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

How do I make repayments to Klarna?

You can pay any time within 30 days of your purchase without interest or fees. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna/com/uk. Klarna will send you a confirmation email once your order is confirmed with full details.You can see both past and future payments using the Klarna app.

I have been asked to go to the Klarna site. Is this correct?

If you choose to pay for your order using Pay later in 30 days, Klarna will send you an email showing you how to pay. The email will have a link you can use to make this payment using your credit or debit card.

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto Klarna.com/uk.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Augusta Jewellery. All transactions take place through connections secured with the latest industry standard security protocols.

How do I know Klarna has received my payment?

Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk. What happens if I don’t pay for my order on time? Pay later in 30 days is a credit product and you are required to make your payment to Klarna. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here.

What happens if I don’t pay for my order?

As pay later is a credit product, if you don't pay for your order Klarna may use a debt collection agency. Klarna will also report the missed payment to credit reference agencies. This means you may find it more expensive or difficult to get credit in the future I've received a statement, but I've not yet received my goods. If you have not received your goods please call Augusta Jewellery to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.

What happens if I cancel or return my order?

As soon as Augusta Jewellery has confirmed with Klarna that your cancellation / return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.

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, the refund will normally be processed within 5 business days.

I have asked for a refund. How will I be refunded?

Refunds will be issued back to the debit or credit card which was originally used at checkout.

What happens to my statement, when I have returned the goods?

Once Augusta Jewellery has received the return and Klarna have received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

What happens to my statement when I have returned part of my order?

Once Augusta Jewellery has received the partial return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app. I haven’t received an email with my statement/payment information. You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch?

Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.

Klarna's Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

Klarna pay in 3 instalments - Frequently Asked Questions

How does Pay in 3 instalments work?

Klarna’s Pay in 3 instalments is a credit product that lets you spread the cost of your purchases over 3 equal payments. Klarna will take the payments from your debit or credit card directly so you don't have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app.

Am I eligible for Pay in 3 instalments?

You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 3 instalments. When you choose Klarna they will also check the information you provide and your financial situation.

Can I have multiple Pay in 3 instalments orders at the same time?

Yes, you can. If you see Klarna Pay in 3 instalments when you go to an online checkout then Pay in 3 instalments is available to you. Every time you use Pay in 3, Klarna will check to see whether you can use Pay in 3 again for each additional purchase.

What does Klarna consider when reviewing my application?

Klarna offers Pay in 3 instalments based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 3 instalments by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 3 instalments before does not mean it will be offered for every order. In turn, if your application for Pay in 3 instalments is denied, it does not mean it will be denied for future orders.

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

If you want to purchase something using Klarna’s Pay in 3 instalments, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.

Will a credit search take place?

When you use Pay in 3 instalments, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

How do I make repayments to Klarna?

Klarna will take your Pay in 3 instalments payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app.

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto Klarna.com/uk.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Augusta Jewellery. All transactions take place through connections secured with the latest industry standard security protocols.

How do I know Klarna has received my payment?

Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

What happens if I don’t pay for my order on time?

Pay in 3 instalments is a credit product and you are required to make your scheduled payments to Klarna. If Klarna is unable to collect your payment on the scheduled due date Klarna will make a further attempt to automatically collect payment seven days later. Should this next payment attempt fail, Klarna will make a final attempt to collect payment seven days later. They may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here.

What happens if I don’t pay for my order?

If you don't make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies. I've received a statement, but I've not yet received my goods. If you have not received your goods please call Augusta Jewellery to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.

What happens if I cancel or return my order?

As soon as Augusta Jewellery has confirmed with Klarna that your cancellation / return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.

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, the refund will normally be processed within 5 business days. I have asked for a refund. How will I be refunded? Refunds will be issued back to the debit or credit card which was originally used at checkout.

What happens to my statement, when I have returned the goods?

Once Augusta Jewellery has received the return and Klarna have received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

What happens to my statement when I have returned part of my order?

Once Augusta Jewellery has received the partial return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app. I haven’t received an email with my statement/payment information. You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch?

Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options. 

Klarna’s Pay in 3 instalments credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

Clearpay FAQs

Klarna Jewellery

What is Clearpay?

Love it. Get it. Pay in four. Clearpay is a zero interest and free alternative payment method, created to make budgeting easier by breaking payments down. Allowing you to pay over time easily whilst your order is shipping straight away.

How does Clearpay work?

After you have selected the ‘Clearpay’ payment option at checkout, you will be prompted to the Clearpay website to fill out a short form and register your account with your payment details. This will provide you with an instant approval decision from Clearpay. If you’ve used Clearpay before, just log in to your Clearpay account and then complete your order!

When approved/logged in, your order will be shipped whilst your costs will be split into 4 instalments, the first instalment will be taken at the time of purchase whilst the rest will be automatically taken every 2 weeks using the payment method (bank account) you entered, without any added interest. You can log into your Clearpay account at any time to view your payment schedule and remaining balance.

Am I eligible to use Clearpay?

As long as you are over the age of 18, are using a UK billing address as well as a UK residential address (proof that you are a UK customer), you are eligible to use the Clearpay payment option if available to you at checkout.

Will there be any further/additional costs?

No further fees will be charged as long as the instalments are paid on time (there is a £6 fee for late payments, more details further down the FAQs).

Why is Clearpay not available for me at checkout?

Clearpay is only available to customers with a UK billing address. Customers with international billing addresses will not be able to create a Clearpay account, instead they are able to use the other payment methods available to them at checkout or simply checkout using a bank/credit card.

How do I know when to pay the Clearpay instalments?

All Clearpay users are required to pay their first instalment at the time of purchase, the remaining three instalments will then be paid automatically every 2 weeks in equal instalments from your selected payment method (you will have entered and used this selected payment method when checking out and creating a Clearpay account). The payments are taken automatically so you don’t need to worry about missing any payments as long as the bank account selected has sufficient funds.

If you would like to make additional unscheduled payments before they are due, you can log in to your Clearpay account and make payments early. You can log in to your Clearpay account at any time to view your payment schedule or make a payment before the next due date.

What if I can’t pay a Clearpay instalment?

If funds are not available in your bank for Clearpay to automatically take, you will be charged a £6 late payment fee by Clearpay. An additional £6 fee will be charged if the missed payment is not made within 7 days. Late fees will not exceed 25% of the total order. Please see Clearpay Terms of use here - https://www.clearpay.co.uk/en-GB/terms-of-service

Will my items take longer to be delivered if I use Clearpay?

No! Clearpay orders are delivered within our standard delivery timeframes like any other orders, so depending on which delivery option you choose, it will be delivered within this time frame. 

What happens if I cancel or return my order?

Clearpay returns follow our standard returns process (see above link). As soon as Augusta Jewellery has accepted your cancellation/return, your refund will be put into your Clearpay online account, future scheduled instalments will be cancelled and you will not be charged further. Have more questions about Clearpay returns? Go to https://help.clearpay.co.uk/hc/en-gb

Shop now, pay later. Find out more information or log onto your account here https://www.clearpay.co.uk/en-GB/how-it-works