Pay in Instalments With Klarna

Free Delivery Over £30

Buy with Confidence

About Klarna
At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than
just a way to send money. That’s why our smooth payment methods give you more time, control and joy so you can focus on the things you
love.

  • 80 million shoppers are using Klarna.
  • 190,000 retailers are working with us worldwide.
  • We’ve been powering online checkouts for 14 years.

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.

Split your purchase into three equal payments. Just enter the credit or debit card details of your choice and make automatic payments.

There are no interest or fees when you pay on time; 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 in to www.klarna.com/uk.

 

How To 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 very important
that you give us the correct details, as otherwise you will not receive the payment information.

 

Payment Confirmation

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.

If you pay by card, Surrey Home & Gifts will confirm your order right away. If paying by Pay later in 30 days, Klarna will send you a payment confirmation to the email
address that you have used for your order. If you have made a payment but not received 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.

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

Although Pay later in 30 days is widely promoted it is not always universally available. The Pay later in 30 days method is automatically generated by algorithms that are dependent upon a number of factors including amount of order, the online store, previous order history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at the checkout.

You can pay with debit or credit card immediately in the 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.

 

Pay Later

To use Pay later in 30 days you must be at least 18. 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. Klarna is unique and offers Pay later in 30 days based on a number of 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. Just because you have had Pay later in 30 days before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

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

If you want to make a purchase with Klarna using Pay later in 3 interest-free installments, you’ll need to provide your mobile phone number, email address, current
billing address and a debit or card 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.

 

Making Payments

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 call Surrey Home & Gifts 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.

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 – and, if very late, we’ll also send you a text or letter, too. 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. If you have chosen to Pay later in 30 days, Klarna will send you an email with 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 payments instructions in the Klarna app.

 

Klarna Credit Checks

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 Surrey Home & Gifts run credit searches against you that could impact your credit rating.

 

Returns

As soon as Surrey Home & Gifts have accepted your cancellation/return, then Klarna will cancel the statement or refund your payment. The return will be reflected in the Klarna app immediately.

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

Once Surrey Home & Gifts 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’ve made a partial return. With a full return, your statement will be closed. You are always able to monitor the status of your order in the Klarna app.

If you have paid for your order with a card, the refund will be made back to the same card. If you have not paid the statement yet, then the refund will reduce the
statement or cancel it completely.

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

 

Pay online or in the app
Review your latest purchases and make payments in the Klarna
app or online.

Safe and Secure
With Klarna, you are always covered through Klarna’s Buyer
Protection policy. Modern safeguards protect your information to
prevent unauthorized purchases.

 

Frequently Asked Questions
Visit our FAQ (https://www.klarna.com/us/customer-service/)
page to find out more about using Klarna.

 

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

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.