Pay in 3 instalments
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 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
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
Izabelle Hammon Ltd. 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
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 Izabelle Hammon Ltd 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 Izabelle Hammon Ltd has confirmed with Klarna that your cancelation / 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 canceled my order. How long will it take until I receive my refund?
As soon as the store has registered your cancelation 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 Izabelle Hammon Ltd 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 Izabelle Hammon Ltd 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
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.