Pay later in 3 interest-free instalments. Frequently Asked Questions

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 handle their payments securely.

 

How does Pay later in 3 interest-free instalments 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 be automatically collected from the debit or credit card you entered at checkout. Your first instalment will be collected when Somya London confirms your order, and instalments 2 and 3 are scheduled for 30 and 60 days later, respectively. You can continually monitor your payments schedule in the Klarna app.

 

Am I eligible for Pay later in 3 interest-free instalments?

To use Pay later in 3 interest-free instalments, you must be at least 18 years old. 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.

 

How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?

Klarna is unique and offers Pay later in 3 interest-free instalments based on several factors such as the order value, previous order history and item availability. You can improve your chances of being offered Pay later in 3 interest-free instalments by providing your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Klarna has complete control over who gets accepted for their payment method. 

 

What do I need to provide when I make a purchase?

If you want to 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 card. A mobile number is required should we need to reach you. All communications will be sent to your email address. It's essential that you give us the correct details, as otherwise, you will not receive your payment schedule and any updated order information.

 

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 Somya London run credit searches against you that could impact your credit rating.

 

Why have I not been offered Pay later in 3 interest-free instalments?

Klarna Pay later in 3 interest-free instalments is widely promoted on our website, but it's only sometimes universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon several factors, including address details, cardholder details, amount of order, the online store, previous order history and item availability.

 

What are my payment options with Klarna?

Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment will be taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments schedule in the Klarna app.

 

What happens if I cancel or return my order?

As soon as Somya London has accepted your cancellation/return, Klarna will cancel any future scheduled payments and refund any amounts due. The return will be reflected in the Klarna app immediately.

 

What happens if I don't pay for my order?

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Somya London from the debit or credit card you entered at checkout. If we cannot collect your payment on the scheduled due date, Klarna will automatically make another attempt to collect the payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the entire outstanding order amount, which will become payable 15 days later. Klarna shall notify you when a payment is due two days before attempting to collect your payment, and you can always monitor the due date in the Klarna app at your convenience. Your credit score will not be impacted by using Klarna's 'Pay later in 3 instalments' product even if you have failed to pay on time.

 

I have been asked to go to the Klarna website. Is this correct?

You can view your Klarna purchases and payment schedule in the Klarna app or by logging 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 Somya London. All transactions occur via connections secured with the latest industry-standard security protocols.

 

Can I pay before the due date?

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

 

Have you received my payment?

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has been successfully collected or in the unlikely event of your payment failing. If a payment has been collected but you have not received a payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

 

What happens to my statement when I have returned the goods?

Once Somya London has received the return (partial or complete) 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 can continually monitor the status of your order in the Klarna app.

 

I've received a statement, but I am still waiting to receive my order.

If you have not received your order, please email Somya London at hello@somyalondon.com 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 5-10 business days.

 

I have asked for a refund. How will I be refunded?

Refunds shall be issued back to the debit or credit card initially entered at checkout.

 

I haven't received an email with my statement/payment information.

You can log in to the Klarna app or at www.klarna.com/uk, where you will find all your orders and payment schedule information.

 

I still have questions regarding payment. How can I get in touch?

Visit the Klarna app or Klarna's Customer Service page for a complete list of FAQs, live chat and telephone options.

 

Pay later in 30 days. Frequently Asked Questions

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 handle their payments securely.

 

How does Pay later in 30 days work?

Once your order is confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to try on your order and only pay when you're happy. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card in the Klarna app or by logging into www.klarna.com/uk.

 

Am I eligible for Pay later in 30 days?

To use Pay later in 30 days, you must be at least 18 years old. Whilst this option is widely promoted, Pay later in 30 days is subject to your financial circumstances. When choosing Pay later in 30 days, our assessment will not affect your credit rating.

 

How can I increase my chances of being accepted for Pay later in 30 days?

Klarna is unique and offers Pay later in 30 days based on some factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 30 days by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Even if you have had Pay later in 30 days before, it will still be offered for some orders and, in turn, as it is denied, it does not mean it will be denied for all future orders.

 

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 Somya London run credit searches against you that could impact your credit rating.

 

Why have I not been offered Pay later in 30 days?

Although Pay later in 30 days is widely promoted, it is only sometimes universally available. The Pay later in 30 days method is automatically generated by algorithms that are dependent upon several factors, including the amount of order, the online store, previous order history and item availability. Alternatively, you can complete your order by paying by credit or debit card at the checkout.

 

What are my payment options with Klarna?

You can pay with a debit or credit card immediately at checkout or take advantage of our Pay later in 30 days payment option, where you can pay for the goods once you have received them via credit card or debit card. You can always monitor your outstanding payments in the Klarna app.

 

What happens if I cancel or return my order?

As soon as Somya London accepts your cancellation/return, Klarna will cancel the statement or refund your payment. The return will be reflected in the Klarna app immediately.

 

What happens if I don't pay for my order?

Payment is due 30 days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due – you'll receive a push notification from the Klarna app or email reminders to pay. Your credit score will not be impacted by using Klarna's 'Pay later in 30 days' products even if you have failed to pay on time.

 

I have been asked to go to the Klarna site. Is this correct?

If you have chosen to Pay later in 30 days, Klarna will email you further details on how to pay. Your email will contain a link to Klarna, where you can settle your payment with your credit or debit card. You are always able to view payment instructions in the Klarna app.

 

What do I need to provide when I make a purchase?

If you want to make a purchase with Klarna, you need to provide your name, address and email address. For some orders, you may need to provide your mobile number or date of birth too. All information will be sent to your email address, including payment reminders and links to your online statements. It's essential that you give us the correct details, as otherwise, you will not receive the payment information.

 

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Somya London. All transactions occur via connections secured with the latest industry-standard security protocols.

 

Can I pay before the due date?

Absolutely! You can pay for your order at any point after you receive the email from Klarna with the details of your payment. Follow the instructions in this email or the Klarna app to pay for your order.

 

Have you received my payment?

If you pay by card, Somya London will confirm your order immediately. If paying by Pay later in 30 days, Klarna will send you a payment confirmation to the email address you used for your order. If you have made a payment but have yet to receive the payment confirmation, you can always check the status of your order and payments by logging in to the Klarna app or www.klarna.com /uk.

 

What happens to my statement when I returned my order?

Once Somya London has received the return (partial or complete), and you have received their confirmation of this, an updated statement will be sent to you by Klarna if you've made a partial return. With a full return, your statement will be closed. You can always monitor your order status in the Klarna app.

 

I've received a statement, but I've not received my order.

You have 30 days to pay, so you don't need to pay right away. If your due date is near and there is no sign of your goods, please email Somya London at hello@somyalondon.com to check on delivery. 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 business days.

 

I have asked for a refund. How will I be refunded?

The refund would be made on the same card if you paid for your order with a credit or debit card. If you still need to pay the statement, the refund will be reduced or cancelled entirely.

 

I haven't received an email with my statement/payment information.

If you do not have your statement number to hand, you can log into the Klarna app or at www.klarna.com/uk, where you will find all of your orders and be able to make payments.

 

I still have questions regarding payment. How can I get in touch?

Visit the Klarna app or visit the Klarna Customer Service page for a complete list of FAQs, live chat and telephone options.