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Buy now, pay later with Klarna

So what is pay later with Klarna?

So you have seen a few items at Rinkit that you think will look great in your home but can’t wait for pay day? Well you can try before you buy with Klarna.

Pay Later - get the items you want first and then pay for them up to 30 days after delivery.

Pay in 3 - shop now and pay in 3 interest-free instalments over 3 months. Simple.

FAQs

Have a question about Klarna and how to use it? Take a look at some of the frequently asked questions below...

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 100,000 online stores. Over 60 millions consumers worldwide have trusted Klarna to securely handle their payments.

What do I need to provide when making a purchase?

If you want to make a purchase with a Klarna Account you need to provide your mobile phone number and your email address as well as name, billing address and your date of birth. Your mobile number is required in case we need to reach you. All statements will be send to your email address. It's very important, that you give us the correct details, as otherwise you will not receive monthly statements and so be liable for late payment fees.

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 Rinkit run credit searches against you that could impact your credit rating.

Why have I not been offered ‘Pay Later’ or ‘Pay in 3'?

Although Pay later and Pay in 3 is widely promoted it is not always universally available. The Pay later and Pay in 3 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.

What are my payment options with Klarna?

You can pay with debit or credit card immediately in the checkout or take advantage of our Pay later payment option, where you can pay for the goods once you have received them via credit card or debit card. Payment for your Pay later in 3 will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment.

What happens if I cancel or return my order?

As soon as Rinkit have accepted your cancellation/return, then Klarna will cancel the statement or refund your payment.

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

Pay later - 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 email reminders to pay – and, if very late, we’ll also send you a text or letter, too. If you fail to pay Klarna for your order, your credit score will be affected.

Pay in 3 - Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase at Rinkit 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.

Can I pay before the due date?

Pay later - 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 to pay for your order.

Pay in 3 - No, this is not currently possible for Pay later in 3 purchases.

Is my payment information kept safe?

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

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