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Klarna Pay in 3: What’s Covered

1. Who can use Pay in 3?

You must:

  • Be a UK resident
  • Be 18 or over
  • Use a valid payment card in your name

Your card must be active, not prepaid, and have enough funds for all three payments. Klarna will decide if you're eligible for credit.

2. How does it work?

At checkout, select Pay in 3 interest-free instalments. Enter your card details to complete the purchase. Klarna will divide the total into three equal payments.

There are no fees, interest, or charges from Klarna (though your card issuer might charge interest if you’re using a credit card).

3. Can I pay early?

Yes. You can pay off your balance early at any time using the Klarna app, or by contacting Klarna to pay by bank transfer.

4. Which cards are accepted?

Most debit and credit cards are accepted, but not prepaid cards or cards close to expiry. Klarna will let you know at checkout if your card isn’t eligible.

5. What if something goes wrong?

You’re covered by Klarna’s Buyer Protection. That means you don’t have to pay until you’ve received your items, and Klarna can help if there’s an issue.

More info here: Klarna Buyer Protection

6. When will Klarna take my payments?

Klarna will freeze the first payment when you order. Once your order is shipped, that amount is taken.

Payment 2 is taken 30 days later. Payment 3 is taken 60 days after the first.

You’ll get reminders, and can view your schedule in the Klarna app.

If your order is sent in parts, Klarna may set up multiple Pay in 3 plans—one for each shipment.

Want to switch cards or stop recurring payments? You can do that via Klarna’s app or by contacting them directly.

7. Currency conversion

Klarna’s exchange rate includes a small mark-up and reflects rates at the time of shipping or activation. Refunds may vary depending on the current exchange rate.

8. What if my card is cancelled or updated?

You’ll still need to pay your balance. Update your card in the Klarna app. If not, Klarna may ask your bank for your new details.

9. What if I cancel my order?

Each shop has its own cancellation policy. Check the seller's site first.

If you cancel or return your order, Klarna will update your payments and refund what you’ve paid. Use the Klarna app to report a problem and pause payment while things are sorted.

10. How will I get my refund?

Full refund: Klarna cancels the remaining instalments and refunds what you’ve paid.

Partial refund:

  • If more than the balance: Klarna refunds the difference.
  • If less than the balance: Klarna reduces your balance and updates future payments.

11. What happens if I miss a payment?

If Klarna can’t collect a payment:

  • They’ll try up to 2 more times.
  • If still unpaid, it rolls into the next instalment.
  • After 3 failed attempts, Klarna may pass your account to a debt collection agency.

Missed payments might affect your ability to use Klarna again. Klarna reports missed or late payments to credit reference agencies.

12. Will this affect my credit score?

Klarna may do a soft credit check that won’t impact your score. But they do report on your payment behaviour, which could affect your ability to get credit in future.

13. Are there late fees?

Yes, if you're more than 14 days late on the 2nd or 3rd payment.

  • Orders £20 or more = £5 late fee
  • Orders under £20 = 25% of the order total
  • No late fee if less than £1 is outstanding

Only one late fee per instalment will be charged. Klarna may waive a fee at their discretion.

14. How is my data stored?

Klarna stores your card securely for future use, unless you opt out.

They use your personal data for identification, analysis, credit checks, reporting, and marketing. Some partners may be outside the UK.

Read Klarna’s Privacy Notice for more info.

15. How do I make a complaint?

Use Klarna’s customer service page to chat online, or call 0808 189 3333.

You can’t take complaints about Pay in 3 to the Financial Ombudsman, but you can ask Klarna’s Complaints Adjudicator to review your case.

16. Transfer of rights

This agreement is between you and Klarna. You can’t transfer it without Klarna’s permission.

Klarna may transfer this agreement to another provider, but not in a way that affects your rights.

17. Klarna information

Klarna Financial Services UK Limited is authorised by the FCA (firm ref: 987889) and based at 10 York Road, London, SE1 7ND.

Learn more: klarna.com/uk

18. Governing law

This agreement is governed by English law. If you’re based in Northern Ireland or Scotland, you can also raise proceedings there.