How does it work

• Use your own valid debit or credit card, or other accepted payment method, to pay (no prepaid cards). 

• The first payment is charged when the merchant completes your order (this is usually the shipping date for online orders).

• The next 3 payments are automatically made every 2 weeks after your first payment (payments are every 15 days for California residents).

• Klarna charges no interest with Pay Later in 4 and no fees unless you fail to make a payment or, in some circumstances, your payment is returned.

• If you return your goods we will automatically reduce the amount you owe us. If you already paid us for a refunded order, we will refund the balance back to your original payment method.

• If you have questions about the quality or shipping of your order, please contact the merchant where you made the purchase.

Klarna Pay Later in 30 Days Terms

How it works

• Checkout with any of these merchants who offer to “Pay later in 30 days with Klarna.”

• Once the merchant confirms shipment of your order, we will send you a digital invoice due in 30 days.

• Receive your order and keep what you like, and return the rest.

• Once you are happy with your order, you can pay your final balance with a valid credit card, debit card or bank account. Best of all, we don’t charge you any fees or interest.

• It’s that easy! No need to pay upfront and worry about slow returns holding up your funds.