Frequently asked questions on the "Pay in 3 installments without interest" option

Who is Klarna?

Frequently asked questions on the "Pay in 3 installments without interest" option

Klarna is a Swedish payment service provider that takes responsibility for user payments. Klarna is the simplified payments provider for over

200. 000 online shops. To date, more than 85 million customers worldwide have trusted Klarna with their payments.

 

How does the "Pay in 3 installments without interest" option work?

“Pay in 3 installments without interest” allows you to spread the cost of your purchase over 3 equal payments. Payments for each installment will be charged automatically to the debit or credit card indicated at the time of payment. The first installment will be charged when the order is confirmed by Bijondo and the second and third installments will be 30 and 60 days later, respectively. You can always track your payment schedule in the Klarna app.

 

Who is entitled to the option "Pay in 3 installments without interest?"

To use the "Pay in 3 installments without interest" option, you must be at least 18 years old. Although the option "Pay in 3 installments without interest"" is widely advertised,

is subject to your financial circumstances. By choosing to take advantage of the "Pay in 3 interest-free installments" option, our analysis will not affect the user's credit rating.

 

How can the chances of being accepted for the "Pay in 3 installments without interest" option be increased?

Klarna is unique and offers the option “Pay in 3 interest-free installments” based on a number of factors such as order value, order history and item availability. If you are over 18, you can increase your chances of using the "Pay in 3 Interest Free Installments" option by making sure you provide your full name and an accurate address, and use your address for shipping. registered billing. All orders are reviewed individually. Just because you have used the “Pay in 3 interest-free installments” option previously does not mean that you will be offered to use it for every order; and, if the option gli

was denied previously, does not mean it will be denied for all future orders.

 

What must the user provide when making a purchase?

If you wish to make a purchase with Klarna using the "Pay in 3 installments interest-free" option, you will need to provide your telephone number, email address, current billing address and phone number a debit or credit card. The mobile phone number is required in case we need to contact you. All communications will be sent via email. It is very important that you provide us with the correct details, otherwise the payment schedule and any order updates may not arrive.

 

Will a credit search be carried out against the user?

Klarna can make so-called undocumented inquiries (or soft credit searches) which have no effect on your credit score and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Bijondo do any credit searches on you which could affect your credit score.

 

Why is the "Pay in 3 installments without interest" option not accessible to everyone?

Although the "Pay in 3 installments without interest" option is widely advertised, it is not always available to everyone. The “Pay in 3 installments without interest” option is automatically generated by algorithms that depend on a number of factors including address, cardholder details, order total, online store,

the history of previous orders and the availability of the item.

 

What payment options are available with Klarna?

Payments for the installments of the "Pay in 3 installments without interest" option will be automatically charged to the debit or credit card indicated at the time of payment. The first payment will be charged when the order is confirmed. The second and third installments will be charged respectively 30 and 60 days after the first installment. You can always monitor your payment schedule in the Klarna app.

 

What happens if yes delete or return the order?

Not as soon as Bijondo will accept the cancellation or on returned, Klarna will cancel any future payment in schedule repaying also any amount due. The return will be immediately visible in the Klarna app.

 

What happens if the order is not paid?

Klarna will try to charge the payment for the installments of "Pay in 3 installments without interest" at Bijondo to the debit or credit card indicated at the time of payment. If the payment cannot be debited on the due date, Klarna will make a second attempt to debit the payment automatically two days later. Should this attempt fail, Klarna will issue a statement for the full outstanding amount which will become payable 15 days later. Klarna will notify you when your payment is due two days before attempting to collect it and you can always monitor the due date in the Klarna app. If you do not pay on time using the "Pay in 3 installments without interest" option, your credit score will not be impacted.

 

The user was asked to go to the Klarna website. Is this correct?

You can view all Klarna purchases and payment schedule in the Klarna app or by logging into Klarna. com/uk.

 

Are the user's payment details safe?

Your payment details are processed securely by Klarna. No card data is transferred or held by Bijondo . All transactions take place over connections secured by the latest industry security protocols.

 

Is it possible to pay before the due date?

Yes. Simply go to the Klarnba app or log into the Klarna website. com/uk and pay in advance.

 

Was the payment successful?

Klarna will send an email notification and a push notification from the Klarna app when a payment is due and when it has been successfully cashed out, or in the unlikely event that the payment has failed. If a payment has been made but no payment confirmation has arrived, you can always check your order and payment status in the Klarna app or by logging into the website www. klarna. com/uk

 

What happens to the user's account statement after returning the goods?

Once Bijondo has received your return (partial or full) and you have received acknowledgment of receipt, Klarna will send you a statement with an updated payment schedule in the case of a partial return. Upon a full return of goods, we will refund all cashed payments and cancel all future scheduled payments. You can always track the status of your order in the Klarna app.

 

The user has received the account statement but has not yet received the goods.

In the event that the goods have not has been again received, call Bijondo to check lo status of the order and of its delivery. You also can contact the Customer Service Klarna so that we can postpone the date by due of payment or place order in suspended in app Klarna in waiting for delivery.

 

The user has canceled his order. How long will it take before I receive the refund?

As soon as the shop has registered the cancellation or return, the refund will be processed within 5-7 working days.

 

The user has requested a refund, how will it be done?

Refunds will be made to the debit or credit card that was originally given at checkout.

 

The user has not received any emails relating to his account statement or payment details.

You can access the Klarna app or the website www. klarna. com/uk, where you will find all your orders and scheduled payment information.

 

How can I contact Klarna for further payment queries?

See the Klarna app or the Klarna Customer Service page for a complete list of frequently asked questions, contact numbers and live chat.