To use Pay in 3 you must be at least 18. Whilst this option is widely promoted, Pay in 3 is subject to your financial circumstances. When choosing Pay in 3, our assessment will not affect your credit rating.
Why have I not been offered Pay in 3?
It is not always universally available. The Pay in 3 payment option is automatically generated by algorithms that are dependent upon a number of factors, including address details, cardholder details, cost amount of order, the online store, previous order history, and item availability.
Can I pay before the due date?
No, this is not currently possible for Pay in 3 purchases.
What happens to my statement, when I’ve returned the goods?
Once Acumen Collection has received the return (partial or full) and you have received their confirmation of this, an updated statement will be sent to you by Klarna. If you returned a partial order, you’ll receive an adjusted payment schedule. With a full return, we shall refund any payments collected and cancel any future scheduled payments.
What happens if I don’t pay for my order?
Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment.
What happens if I cancel or return my order?
As soon as Acumen Collection has accepted your cancellation/return, Klarna will cancel any future scheduled payments, as well as refund any amounts due.
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, you’ll need to provide your mobile phone number, email address, current billing address and a debit card or card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It’s very important that you give us the correct details, as otherwise, you will not receive your payment schedule and any updated order information.
Klarna is an independent payment service that will take sole responsibility for transactions using this method. If you have any issues, please contact Klarna directly.