Klarna Shop Now, Pay Later

Purchasing the jewellery item or watch of your dreams doesn’t have to cause a headache. Choose from two easy payment options with Klarna’s shop now, pay later; either pay 30 days after delivery or pay in three easy, interest-free instalments.

No interest. No fees. No credit agreement.

About Klarna

What is Klarna?

Klarna is a payment provider to more than 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments. Their innovative ‘pay later’ scheme has transformed shopping experiences across the globe and provided breathing space when it comes to payment for those extra-special items.

Why Klarna?

  • Klarna are globally known and trusted payment provider
  • There’s no interest, no fees and no credit agreement!
  • No account sign-up required
  • It’s a VERY easy way to pay, especially if you download the Klarna app
  • Receive your goods first, pay later
  • You can choose the option that suits you: either pay 30 days after delivery or in 3 interest free instalments

Am I Eligible for Klarna?

To use Klarna you must:

  • Be at least 18 years of age or over
  • Hold a UK bank account
  • Have a UK residential address

Pay later options are subject to your financial circumstances. When choosing to pay later with Klarna, their assessment will not affect your credit rating.

*Please note, your credit score will be affected if you don't pay Klarna for your order.

How Does Klarna Work

Klarna Pay in 30 days

Available on orders between £50 - £350, get your order now and pay up to 30 days after delivery.

1

Select ‘Pay later with Klarna’ in the bag.

2

Confirm your details in the checkout and place your order.

3

Klarna will send you payment instructions via email, you’ll have up to 30 days to pay for the items you want to keep.

Klarna Pay in 3

Available on orders between £99 - £500, split your payment into 3 equal interest free instalments.

1

Select ‘Pay later with Klarna’ in the bag.

2

Confirm your details in the checkout and select ‘Pay Later in 3 interest-free instalments’ within the ‘Pay with Klarna’ section.

3

Your order will be split into 3 equal payments. You’ll pay the first part when you place your order, then the two remaining payments will be taken at 30 and 60 days.

Klarna FAQs

To find out more about Klarna, take a look at our frequently asked questions below:

  • Eligibility
    • How can I increase my chances of getting accepted?

      Klarna is unique and offers pay later services based on several 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 by ensuring you provide your full name and accurate address details for shipping to your registered billing address.

      All orders are assessed individually; just because you’ve been accepted for a Klarna payment method before, doesn’t mean it will be offered for every order and vice versa, if your application is denied, it doesn’t mean it will be denied for all future orders.

    • Does Klarna do a credit check 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, not to other lenders. Neither Klarna nor Beaverbrooks run credit searches against you that could impact your credit rating.

  • Payment
    • How does Klarna Pay in 3 work?

      Pay Later in 3 will allow you to spread the cost of your purchase over three 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 Beaverbrooks and instalments two and three are scheduled 30 and 60 days later, respectively.

    • How does Pay Later in 30 days work?

      Once your order's confirmed, you'll receive an email with payment instructions within two days from Klarna. You will then have 30 days from when you receive your order to pay for the items you keep.

    • How do you pay with Klarna and what do payment options look like?

      You can pay later by downloading the Klarna app or completing the payment online at your convenience, with no extra cost. You can pay easily via credit or debit card at www.klarna.com/uk once you have received your goods. If you opt for Pay in 3, you’ll enter your card details when you checkout and your payments will automatically be taken at 30 and 60 days.

    • Is Klarna payment safe and legitimate?

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

    • How much can you spend on Klarna? Is there a maximum spend?

      While Pay in 30 Days after delivery is available on online orders between £50 and £500 and Pay in 3 available between £99 and £500, your maximum credit limit relies on the amount Klarna will offer you at one time.

      This depends on various factors including your previous credit history and an affordability assessment. Klarna will let you know by email how much credit you will be offered once you have signed your Klarna account agreement in the checkout. Your credit limit is also shown on each monthly statement and within the Klarna app, available on Android and IOS.

    • Can I pay off Klarna early before the due date?

      If you’ve chosen Klarna’s pay in 30 days option, you can pay for your order at any point after you receive the confirmation email from Klarna with your payment detail. Just follow the instructions on this email to pay for your order, or log into the Klarna app.

      For purchases made with Pay in 3, simply log into the Klarna app, go to the order page and select 'Pay off early'.

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

      If you want to make a purchase with Klarna, you’ll 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, so it's very important, that you give Klarna the correct details to receive your payment schedule and any updated order information.

    • What happens if I miss a payment or pay Klarna late?

      For Klarna’s Pay 30 Days Later, payment is due 30 days after the item is shipped. To help you pay on time, Klarna will alert you two days before payment is due by email reminders – and, if very late, Klarna may also send you a text or letter, too. If you fail to pay Klarna for your order, your credit score will be affected.

      For a Pay in 3 payment, Klarna will automatically attempt to collect payment from the debit or credit card you entered at checkout. If they are unable to collect your payment on the scheduled due date, Klarna will make one further attempt to automatically collect payment again after seven days. Should this last payment attempt fail, Klarna will make another attempt after a further seven days (14 days after the date of the first attempt). Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment.

    • I still have questions regarding payment, how can I get in touch with Klarna?

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

  • Order Processing
    • Do you need to sign up to use Klarna?

      You don’t have to register if you’re paying with a direct banking service. Simply select pay now as the payment method in the checkout and let us guide you through the payment process. When you shop in the Klarna app, Pay in 3 interest-free instalments or Pay Later in 30 Days, no sign up is required either.

    • I have been asked to go to Klarna's site. Is this correct?

      Yes. If you have chosen to pay later, Klarna will send you an email with further details on how to pay. Your email will contain a link to their website where you can view all of your Klarna purchases and payment schedule before settling your payment with your credit or debit card.

    • How do I know when Klarna has received my payment?

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

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

      Please contact Klarna to confirm that the email address you’ve used is correct. Once confirmed, you can log in at www.klarna.com or use the Klarna app, where you will find your orders and payment schedule information.

    • I've received a statement, but I've not yet received my goods.

      For 30-day payments, you don’t need to pay right away – however, if your due date is near and there is no sign of your goods, please call Klarna’s Customer Service team on 0800 169 2329 to check on delivery. If necessary, they’ll also be on hand to discuss the due date on your payment.

  • Refunds & Cancellations
    • How will Klarna refund me and how long will it take?

      Refunds shall be issued back to the debit or credit card which was originally entered at checkout. If you have not paid the statement yet, then the refund will reduce the statement or cancel it completely.

      As soon as we have processed your return, the refund will be processed within five business days.

    • What happens to my statement when I've returned the goods?

      For 30 Days Later payments, once Beaverbrooks has received your return (partial or full) and you’ve had 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.

      For payments in three instalments over 60 days, once we’ve received your return and sent you confirmation, 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, any payments collected will be refunded and any future scheduled payments will be cancelled.