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Klarna - How it works

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Klarna - Frequently Asked Questions

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 170,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Pay later in 3 work?

Pay later in 3 will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

Am I eligible for Pay later in 3?

To use Pay later in 3 you must be at least 18. Whilst this option is widely promoted, Pay later in 3 is subject to your financial circumstances. When choosing Pay later in 3, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 3?

Klarna is unique and offers Pay later in 3 based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

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

Nothing extra, just checkout as normal and select "Buy Now, Pay Later - Klarna" when you reach the payment section of the checkout.

Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Reco.shop run credit searches against you that could impact your credit rating.

What happens if I cancel or return my order?

As soon as Reco.shop have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due.

How will I be refunded?

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

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

Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase at Reco.shop from the debit or credit card you entered at checkout. If they are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount . Klarna shall notify you when a payment is due in advance of attempting to collect your payment. If you fail to pay for your order entirely, it may affect your credit score.

Is my payment information safe?

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

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

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