Are you perhaps looking for How Does Klarna Work? Find out what Klarna is and how to pay in installments and without interest and which cards it accepts.
Technology is increasingly useful to better manage everyday life, this is evident not only in the ease of online purchases, but also in the new payment solutions. If until a few years ago it was essential to make the payment to forward the purchase request, today it is also possible to take advantage of the installment methods .
How Does Klarna Work
In many cases, however, an installment method is equivalent to paying unpleasant interest rates, how to get around this problem? Fortunately, there are dedicated applications that can allow you to pay for a product in installments without adding costs . One of the most popular solutions is Klarna , a digital platform capable of spreading your payments in three installments without commissions .
Today we will see how Klarna works and if it can be the ideal service for your shopping needs. To stay on the subject, find out what other applications are available for paying by phone .
Index
- What is Klarna and how does it work
- How to activate Klarna
- How to pay after 30 days
- How to pay in installments with Klarna
- How to pay with Klarna in-store
- How does Klarna work if I don’t pay
- How to block payment on Klarna
- How to contact Klarna
- How to delete Klarna account
What is Klarna and how does it work
You’ve probably never heard of Klarna , it’s making its way in Italy in recent years, but it’s a system particularly used for purchases around the world. When we refer to Klarna we identify a new way to pay , using this service you can make purchases in your favorite stores and pay by deferring payments , just like the rival app Scalapay .
The service is a form of interest-free financing with which you can make a purchase and pay in three comfortable installments. The merchant will receive the full amount of the product sold , but you will pay only a part of it, and then interface with Klarna for the remaining two thirds. To find out more about what it is, you can take a look at the official website .
How it works is very simple, at the time of purchase you will have to select Klarna as a payment method , and after having paid the first installment of a third, you will have to wait for the shipment and 30 days to pay the second installment . The payment is then completed in the third installment , 60 days after the shipment date . The service is also accessible from your smartphone, just download the application for Android and iOS and create an account that can identify you as a certified user.
However, this solution does not allow you to buy everything, in fact, you will not be able to activate the service for installments on: alcohol , gift cards , government agencies , medical services , shared travel services , season tickets , utility or rent payments and gambling .
The strength of Klarna lies in the cost of interest, in fact, these are not there. The three installments are accounted for without adding additional costs , guaranteeing you a deferred payment without investing additional financial resources.
How to activate Klarna
To be able to use Klarna you will need an account, to activate it just download the app for your smartphone or tablet from the Play Store or App Store .
Once you have downloaded and installed the official application you will have to press on Create account at the bottom and enter the data to associate your person with the profile to make purchases. Do not enter misleading information as the service would not work. Initially the software will ask you to enter only the email, then you will need to verify it and update the Klarna profile .
How to pay after 30 days
Now that you’ve activated your account, it’s time to figure out how to pay with this service. First of all, it is important to underline that Klarna is a payment solution restricted to adults residing in Italy only. To these specifications you must also consider that you must associate a valid debit or credit card, even prepaid cards , that is, one that has not expired and is in your name. Among many, the app accepts: Visa, Mastercard and American Express .
Klarna has a function to pay for a product after 30 days from the date of the order . The service will send you a notification with details to remind you that your payment is due. Through the App you can also pay before the 30 days are up .
How to pay in installments with Klarna
Although paying after 30 days can be convenient, Klarna is especially successful with installment payments . In fact, with this service you can spread payments over three installments, paying the first at the time of purchase and the subsequent installments every 30 days.
To use this payment process on Amazon , Zara , Booking , Unieuro or Zalando , all you have to do is choose the Pay in 3 installments option that you will find under the ad or in the checkout section of the sales site. The platform will direct you directly to the application, where you will have to select the total amount to be paid and the partner shop .
How to pay with Klarna in-store
Klarna is usually used mainly for online purchases, but you can also use it in physical stores . As you can imagine, you can only select participating shops , i.e. those included in the Klarna shops list for payment by installments . In addition to the physical stores that we have listed above, there are several interesting solutions, from the Inter Store to Ticketone . The catalog of associated stores is constantly growing.
Even in shops there are no additional interests, the method is identical: just choose the product to buy and select Klarna as the payment solution.
How does Klarna work if I don’t pay
Paying after 30 days or simply activating the installment service is certainly convenient, but what if you don’t have credit on your card or don’t want to pay the remaining installments? Payments must be made within the communicated deadline , in the event that you do not comply with this provision, the payment will be considered late and the platform will not allow you to access the service again . Non – payment in most cases results in legal action by Klarna , which uses a debt collection agency to deal with these issues . So, there’s no way to disengage.
How to block payment on Klarna
You may find yourself in the condition of wanting to cancel an order placed , in this case there is only one way to resolve it: contact the shop. Unfortunately, Klarna cannot cancel your orders , you will need to contact the shop directly.
After receiving confirmation from the shop, Klarna will cancel your order and refund the amount paid up to that point, as soon as the shop confirms the cancellation . You can check the update process from the official app under Orders .
Refund times may vary, but usually never exceed 14 days . If you exceed 14 days after canceling your order, contact Klarna customer service .
How to contact Klarna
If you have any questions or difficulties getting feedback from the retailer where you placed your order, you can always contact the Klarna customer service . You just need to connect to the Klarna Customer Service page . Within the page you will find categories for the most common issues: Payments , Delivery & Returns , Refunds , Account & Settings , Products & Services and Fraud & Security . If you are unable with these categories, scroll the web page and click on Chat with us or Call usto communicate directly with an operator from 09:00 to 17:00.
How to delete Klarna account
After trying Klarna and understanding how it works, have you decided that maybe it’s better to focus on something else? Then it is advisable to cancel your account on this platform to avoid any future emails. In order for you to close your account you will need to contact the assistance service . You will have to make the request and wait for confirmation from the platform. You can click on this page to access the dedicated section. Once the account has been deleted, you will no longer be able to access the information and view previous payments or purchases .