Paying with Klarna

・What is Klarna?
・Which payment methods are accepted for Klarna?
・What if I return or cancel my order?
・How do I pay for my order
・Other Klarna frequently asked questions

WHAT IS KLARNA?

WHAT IS KLARNA AND HOW DO I SIGN UP?

Klarna is an alternate payment method that allows you to split your purchase into 4 interest-free payments.
To use Klarna to pay for your purchase, choose Klarna at checkout.
Your purchase will be split into 4 interest-free payments.
The first payment will be taken from your credit or debit card when your order is shipped.
The remaining three payments will be automatically charged to your card 14, 28, and 42 days later.

If your basket is eligible for 4 interest-free payments with Klarna, you will be able to select Klarna as a payment method during checkout. After your order is shipped, you will be charged for the first quarter of the total amount. Klarna will send a notification once the payment has been processed. You will be informed ahead of time before the next payments.
WHAT ARE THE CONDITIONS TO SIGN UP FOR KLARNA?

To sign up, you will need:
1. A US-issued debit or credit card
2. To be 18 years of age or over
3. An SMS-capable phone number
4. A US residential address

WHICH PAYMENT METHODS ARE ACCEPTED FOR KLARNA?

WHICH PAYMENT METHODS ARE ACCEPTED?

Klarna currently accepts most debit and credit cards (i.e., Mastercard, Visa, Discover). Please note, prepaid cards are not accepted.
CAN I USE A GIFT CARD WITH MY KLARNA ORDER?

Gift card payment methods or merchandise credit card can only be used at the moment with Credit Card, PayPal and Apple Pay orders.
HOW CAN I CHECK IF KLARNA HAS RECEIVED MY PAYMENT?

You can live chat with Klarna’s customer service agents 24/7 to confirm payment

WHAT IF I EXCHANGE, RETURN, OR CANCEL MY ORDER?

WHAT IF I EXCHANGE, RETURN, OR CANCEL MY ORDER?

If you paid through Klarna you may still process an Exchange for the items in your order as long as they meet the requirements of our Exchange/Return policy. Please note when processing an Exchange for your online order you will not be able to check out with Klarna and will need to add credit card information in order to complete your Exchange Application.
For Returns, If you have paid for your order with a card, the refund will be made to the same card. Returned or canceled orders should first be registered with GU. Please allow 14 business days from when we receive the items in our warehouse for your account to be refunded. We will send you an email once we have completed the refund process.
WHAT HAPPENS TO MY STATEMENT WHEN I'VE RETURNED THE GOODS?

Once we have 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, Klarna 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.
WHAT HAPPENS IF I MAKE A RETURN?

If you need to return part or all of your order, Klarna will issue you with a new statement. Simply follow GU’s return instructions and make sure to take note of the tracking number. Log into your Klarna account, select “report a return”, and they’ll pause your statement. As soon as GU has processed your return, Klarna will send an adjusted invoice.
WILL I STILL BE CHARGED IF MY ORDER IS CANCELLED?

Cancellations are subject to Klarna’s cancellation policy.
To cancel your order, please contact Klarna.
Once Klarna has confirmed the cancellation, Klarna will update your payments accordingly and you can check the status of your payments anytime via Klarna’s site or in your Klarna app.
Refund processing times vary and can take up to 14 days depending on your financial institution.
To check the status of your refund, please confirm first we have updated your payments accordingly and check if you might have already been refunded to your original payment method.
If 14 days have passed since the issue of credit and you are still missing your refund, please contact Klarna for further support.

HOW DO I PAY FOR MY ORDER?

HOW DO I PAY FOR MY ORDER?

When you apply for financing, it will be connected to your personal debit card. Payments are automatically collected from your debit card. You may also add a valid checking account to your profile for payments to be deducted.
WHAT HAPPENS IF I DON'T PAY FOR MY ORDER?

Klarna will automatically attempt to collect payment for your purchase from the card that you entered at checkout. You can find out when your payments will be collected in the email that you received at the time of purchase or by logging into your Klarna account.

If the automatic payment fails, Klarna will try again after 7 days. If this payment also fails, Klarna will make another attempt after a further 7 days (14 days after the date of the first attempt). Your credit score will not be impacted by using Klarna’s payments product even if you have failed to pay on time.
CAN I PAY OFF MY BALANCE EARLY/BEFORE THE DUE DATE?

Yes. If you want to pay the outstanding balance of your purchase early, simply login to Klarna at the top of the page, go to the order page, and select “Pay off early”. There will also be an option to pay off early in the Klarna email correspondence OR via the Klarna App.
WILL THIS REQUIRE A CREDIT CHECK AND WILL IT IMPACT MY CREDIT SCORE?

When you choose to pay with financing, we may perform a soft credit check only. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.