FAQ for Pay later options.
Frequently Asked Questions
KLARNA
We would like to kindly request that you please follow the steps below to complete your purchase:
Step 1: Add products to your cart and select “Klarna” when you check out.
Step 2: Enter a few personal details and you’ll know instantly if you’re approved.
Step 3: Klarna will send you an email confirmation and reminders when it’s time to pay. You can manage your orders and payments in the Klarna app.
Please make your purchase today so that you can try before you buy. You will only be charged for the items you keep. You can pay up to 30 days later without interest or fees.
Once you have made your purchase, you can complete the payment in full at no additional cost.
Debt collection agencies are employed as a last resort.
Klarna's Pay in 30 days is an unregulated credit agreement. Borrowing more than you can afford or paying late may have a negative impact on your financial status and ability to obtain credit.
This service is only available to individuals aged 18 or over who reside in the UK. Please note that this offer is subject to status.
Enjoy the convenience of spreading the cost of your purchase into three interest-free instalments! The first payment is made at the point of purchase, with the remaining instalments scheduled automatically every 30 days. And the best part is, there's no interest or fees when you pay on time!
Select the Klarna option and enter your debit or credit card information to get started!
A new way to pay that's an alternative to a credit card.
You can pay in three instalments, so you can shop without interest or hidden fees when you pay on time.
If you don't make your payment on time, it could affect your ability to use Klarna in the future.
Debt collection agencies are used as a last resort.
Klarna's Pay in 3 is a credit agreement that isn't regulated. If you borrow more than you can afford or pay late, it could have a negative impact on your financial status and ability to obtain credit. This is for UK residents only, aged 18 and over. Subject to status.
Take a look at your recent purchases and make payments in the Klarna app or online.
Klarna is one of Europe’s largest banks and we’ve been powering online checkouts for over 15 years.
Over 100 million shoppers are using Klarna.
Klarna works with 200,000 retailers all over the world.
Download the Klarna app: https://www.klarna.com/app
Log in online: https://app.klarna.com/login
Chat with customer service: https://www.klarna.com/uk/customer-service/
Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply.
Visit our FAQ (https://www.klarna.com/uk/customer-service/) page to find out more about using Klarna.
CLEARPAY:
OMNI: Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). Please use Clearpay responsibly.
The service is provided by Clearpay Finance Ltd. Clearpay Plans are not regulated by the Financial Conduct Authority.
INSTORE: Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). Please use Clearpay responsibly.
The service is provided by Clearpay Finance Ltd. Clearpay Plans are not regulated by the Financial Conduct Authority.
ONLINE: Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). Please use Clearpay responsibly.
The service is provided by Clearpay Finance Ltd. Clearpay Plans are not regulated by the Financial Conduct Authority.
Other eligibility criteria apply. See Clearpay Terms of Service for further details.
INSTORE: Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address.
Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account.
Other eligibility criteria apply. See Clearpay Terms of Service for further details.
ONLINE: Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address.
Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account.
Other eligibility criteria apply. See Clearpay Terms of Service for further details.
OMNI: Clearpay will split the total value of your order into 4 instalments payable every fortnight. When transacting online the exact amounts and dates will be displayed for you to agree to before you confirm your purchase. For instore purchases you will receive your payment summary once you have successfully transacted.
If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.
You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
INSTORE: Clearpay will split the total value of your order into 4 instalments payable every fortnight. You will receive your payment summary once you have successfully transacted.
If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.
You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
ONLINE: Clearpay will split the total value of your order into 4 instalments payable every fortnight. The exact amounts and dates will be displayed for you to agree to before you confirm your purchase.
If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.
You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
OMNI: If you cannot make a payment, please contact Clearpay here.
As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.
Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £24, whichever is less.
Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.
INSTORE: If you cannot make a payment, please contact Clearpay here.
As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.
Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £24, whichever is less.
Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.
ONLINE: If you cannot make a payment, please contact Clearpay here.
As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.
Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £24, whichever is less.
Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.
OMNI: Clearpay orders are delivered within our standard delivery timeframes like any order from Merchant Site.
ONLINE: Clearpay orders are delivered within our standard delivery timeframes like any order from Merchant Site.
Is there a limit to how much I can spend on a single Clearpay transaction?
OMNI: Yes, your order value including shipping must be between Merchant Minimum Order and £1000 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
INSTORE: Yes, your order value including shipping must be between Merchant Minimum Order and £1000 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
ONLINE: Yes, your order value including shipping must be between Merchant Minimum Order and £1000 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
OMNI: Yes, you may also use a gift card, cash, or a promotional code with Clearpay to pay for your purchase.
INSTORE: Yes, you may also use a gift card, cash, or a promotional code with Clearpay to pay for your purchase.
ONLINE: Yes, you may also use a gift card, cash, or a promotional code with Clearpay to pay for your purchase.
OMNI: Clearpay purchases follow the retailer's standard return policy for both instore and online transactions. Check with the retailer’s return policy to make sure your purchase is eligible for return.
Please note, refunds for Clearpay purchases will be refunded from Merchant Site to Clearpay. We cannot provide an exchange or cash refund.
When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay.
You can view the details by logging in to your Clearpay account. For more information on refunds, please visit Clearpay’s FAQ page.
INSTORE: Clearpay purchases follow the retailer's standard return policy for both instore transactions. Check with the retailer’s return policy to make sure your purchase is eligible for return.
Please note, refunds for Clearpay purchases will be refunded from Merchant Site to Clearpay. We cannot provide an exchange or cash refund.
When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay.
You can view the details by logging in to your Clearpay account. For more information on refunds, please visit Clearpay’s FAQ page.
ONLINE: Items purchased with Clearpay follow our standard return process.
Please note, refunds for Clearpay purchases will be refunded from Merchant Site to Clearpay. We cannot provide an exchange or cash refund.
When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay.
You can view the details by logging in to your Clearpay account.
OMNI: Visit the Clearpay website h ere for a comprehensive list of FAQs, Clearpay Terms of Service here, and Privacy Policy h ere .
INSTORE: Visit the Clearpay website h ere for a comprehensive list of FAQs, Clearpay Terms of Service here, and Privacy Policy h ere .
ONLINE: Visit the Clearpay website h ere for a comprehensive list of FAQs, Clearpay Terms of Service here, and Privacy Policy h ere .