KLARNA

Discover one of our payment methods that you can use when shopping with Charlie’s Charms

Please spend responsibly.

18+ T&Cs apply.

SHOP: Find some items that you love, add it to your bag and then proceed to checkout.

CHOOSE HOW TO PAY: Select Klarna as your payment method at the checkout. You can then choose between Pay Later to pay in 30 days, or Pay in 3 instalments. Whatever suits you. All you need is a UK bank account, to be over 18 years old and to have a UK residential address.

PAY: You will receive notifications when your payments are due, once your order is on the way.

PAY LATER = You will have 30 days to pay for your order at your convenience.
PAY IN 3 = Your first instalment will be taken when you place your order. The remaining instalments will be automatically charged 30 and 60 days later.

FREQUENTLY ASKED QUESTIONS ABOUT KLARNA

How does Klarna work?
We’ve partnered with Klarna to provide a seamless and easy shopping experience for you. Klarna helps you elevate your shopping game. When you choose Klarna at the checkout you’ll get the option to Pay later in 30 days for your purchase or Pay in 3 instalments.

Pay in 3 instalments – Klarna's Pay in 3 instalments 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.
Ts&Cs and late fees apply.
When you get to the checkout page, under the payment section, select Klarna as your payment method. Enter your card information and pay for your order. You will be sent a 6-digit verification code sent to you via SMS. You can log in to your Klarna account online or on their app at any time to view your payment schedule or make a payment before the due date.

Please note, all items in your shopping bag must be eligible for Klarna and the shopping value must be under £1500, there is no minimum spend. Gift cards and Click & Collect are excluded from Klarna. Please note that Klarna are an independent payment company and Charlie’s Charms have no influence over whether your payment with Klarna is accepted or not. If you have any trouble with your order, please contact Klarna Customer Service.

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 financial situation.

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 make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or credit card. 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 Charlie’s Charms. All transactions take place via 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 https://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 7 days later. Should this next payment attempt fail, Klarna will make a final attempt to collect payment 7 days later. They may continue to attempt to collect overdue and currently due payments on subsequent sue 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 conditions here.

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 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

Having trouble paying with Klarna?

Klarna may have rejected your application to pay on account. We'd recommend choosing another type of payment or placing an order for a smaller amount.
Klarna may not have been able to check your details using the billing address that you've provided. You'll need to make sure that your billing address is the same address that your bank/credit cards are registered to.
You may have outstanding payments on previous Klarna statements. Once these are paid off, try Pay Later with Klarna again. If you've recently paid off outstanding statements, please allow 24 hours before trying to pay through Klarna again.
If you haven't used Klarna before and you're shipping to a different address to your billing address, the payment may be declined.

I've received a statement, but I've not yet received my order.
In the event that you haven’t received your order received please call contact us here or call us on 0808 234 5431, 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 your items to arrive.

What happens to my statement, if I return my order?
Once Charlie’s Charms has confirmed with Klarna that your return (partial or full) 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.

How do I return my order and how will I be refunded?
Simply follow our free online returns process here. As soon as Charlie’s Charms has received your return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately. Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

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 FAQ’s for Pay in 3 instalments here.