WHO IS KLARNA?

Klarna are a Sweedish payment provider that provides payment solutions for over 60 million people across the world. Klarna are one of the worlds fastest growing companies, who’s vision is to simplify the buying experience with a streamlined checkout solution.

Klarna allows you to buy before you pay, meaning you can get the items in your home faster and worry about paying later.

HOW DOES PAY LATER WORK?

Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Off the Grain and instalments 2 and 3 are scheduled 30and 60 days later, respectively. You can always monitor your payments’ schedule in the ​Klarna app​.

AM I ELIGIBLE FOR PAY LATER IN THREE?

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.

HOW DOES PAY LATER IN 3 INTEREST-FREE INSTALMENTS WORK?

Pay later in 3interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Off the Grain and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the ​Klarna app​.

AM I ELIGIBLE FOR PAY LATER IN 3 INTEREST-FREE INSTALMENTS?

To use Pay later in 3interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

WILL A CREDIT SEARCH TAKE PLACE AGAINST ME?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Off the Grain run credit searches against you that could impact your credit rating.

WHAT HAPPENS IF I CANCEL OR RETURN MY ORDER?

As soon as Off the Grain have accepted your cancellation/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.

IS MY PAYMENT INFORMATION SAFE?

Payment information is processed securely by Klarna. No card details are transferred to or held by Off the Grain. All transactions take place via connections secured with the latest industry standard security protocols.

CAN I PAY BEFORE THE DUE DATE?

Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.

WHAT HAPPENS TO MY STATEMENT, WHEN I'VE RETURNED THE GOODS?

Once Off the Grain has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we 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.

I'VE RECEIVED A STATEMENT, BUT I'VE NOT YET RECEIVED MY GOODS.

In the event that your goods have not been received please call Off the Grain to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we 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.

I HAVE CANCELLED MY ORDER. HOW LONG WILL IT TAKE UNTIL I RECEIVE MY REFUND?

As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days.

I HAVE ASKED FOR A REFUND. HOW WILL I BE REFUNDED?

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 or​ Klarna’s Customer Service page​ for a full list of FAQ’s, live chat and telephone options.