What is Klarna?
Klarna is a payment service provider that takes end-to-end responsibility for your payment.
Founded in Stockholm, Sweden, Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. Klarna’s vision is to make shopping smoooth, adding value for consumers and retailers with unique payment options and superior customer experience.
Klarna has 3,000 employees across 17 countries, and is the pioneer in pay later options, trusted by 100 million shoppers and partnered with over 200,000 on-line stores.
We have partnered with Klarna to offer a flexible way for you to pay for your Art of the Movies order, by spreading the cost across three interest free payments.
Note that we are not a lender and we only act as an introducer to Klarna Bank AB (publ).
How does Pay in 3 instalments work?
Klarna's Pay in 3 instalments is a form of credit that allows you to spread the cost of your Art of the Movies purchase over 3 equal payments, with no added interest to pay.
The payment for each instalment will automatically be collected from the debit or credit card you enter at checkout. Your first instalment will be collected when your order is confirmed by us. Your second and third instalments are scheduled 30 and 60 days later, respectively.
You can always monitor your payments’ schedule in the Klarna app.
Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.
Am I eligible for Pay in 3 instalments?
To use Pay in 3 instalments you must be at least 18, a permanent UK resident and eligibility is subject to status.
When you choose to pay using Klarna they will also check the information you provide and your financial situation.
What does Klarna consider when reviewing my application?
Klarna offers Pay in 3 instalments based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 3 instalments by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address.
All orders are assessed individually. Just because you have been accepted for Pay in 3 instalments before does not mean it will be offered for every order. In turn, if your application for Pay in 3 instalments is denied, it does not mean it will be denied for future orders.
We at Art of the Movies have no influence or control over the decision-making process.
What do I need to provide when I make a purchase?
If you want to make a purchase with Klarna using Pay in 3 instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or credit card.
A mobile number is required in case Klarna needs to reach you. All routine communications will be sent to your email address.
It is very important that you give the correct details as these will be used to send over your payment schedule and any updated order information.
Will a credit search take place?
When you use Pay in 3 instalments, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.
How do I make repayments to Klarna?
Klarna will take your Pay in 3 instalments payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase.
You can always monitor your payments’ schedule in the Klarna app.
What happens if I don’t pay for my order?
Pay in 3 instalments is a credit product and you are required to make your scheduled payments to Klarna.
If Klarna is unable to collect your payment on the scheduled due date Klarna will make a further attempt to automatically collect payment seven days later. Should this next payment attempt fail, Klarna will make a final attempt to collect payment seven days later. They may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total.
Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future.
Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.
Full details can be found in the Klarna terms and conditions.
Is my payment information safe?Payment information is processed securely by Klarna. When you choose to pay using Klarna, no card details are transferred to or held by Art of the Movies. All transactions take place via connections secured with the latest industry standard security protocols.
Can I pay the balance before the due date?Yes. Just go to the Klarna app or log onto Klarna.com/uk.
How do I know Klarna has received my payment?Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment.
If a payment has been collected but you have not received 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 if I cancel or return my order?Once Art of the Movies has received the return and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if your return was a partial one.
If you returned your entire order, Klarna will 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.
I've received a statement, but I've not yet received my goods.In the event that your goods have not been received please contact Art of the Movies to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they 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 Art of the Movies has registered the cancellation or your return, Klarna will process the refund within 5-7 business days.
I have asked for a refund. How will I be refunded?Refunds are issued back to the debit or credit card that was originally entered at checkout.
I haven’t received an email with my statement/payment information.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.
I still have questions regarding payment, how can I get in touch?
Note that Klarna’s Pay in 3 instalments credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.