KLARNA

Frequently asked questions about the option

“Pay in 3 interest-free installments”

Who is Klarna?

Klarna is a Swedish payment service provider that takes responsibility for user payments. Klarna is the simplified payments provider for over 200,000 online stores. So far, more than 85 million customers around the world have trusted Klarna with their payments.

How the option Pay in 3 installments without interest worksi?”

“Pay in 3 interest-free installments allows you to defer the cost of your purchase in 3 equal payments. Payments for each installment will be automatically charged to the debit or credit card indicated at the time of payment. The first installment will be charged when the order is confirmed by Marina Ferraro jewelry and the second and third installments will be 30 and 60 days later, respectively. You can always monitor your payment schedule in the Klarna app.

Who is entitled to the option Pay in 3 interest-free installmentsi?”

To use the Pay in 3 interest-free installments option, you must be at least 18 years old. Although the Pay in 3 installments without interest option is widely advertised, it is subject to the user's financial circumstances. By choosing to take advantage of the Pay in 3 installments option without interest, our analysis will not affect the user's credit rating.’utente.

How can you increase your chances of being accepted for the Pay in 3 installments option without interesti”?

Klarna is unique and offers the Pay in 3 installments option without interest based on a number of factors such as order value, order history and item availability. If you are over 18, you can increase your chances of using the Pay in 3 installments option without interest by making sure you provide your full name and accurate address, as well as use your registered billing address for shipping . All orders are reviewed individually. Just because the user has used the option Pay in 3 installments without interest previously does not mean that he will be offered to use it for each order; and, if the option has been denied previously, it does not mean that it will be for all future orders. futuri.

What the user must provide when making a purchase?

If you want to make a purchase with Klarna using the Pay in 3 Interest Free Installments option, you will need to provide your phone number, email address, current billing address and debit card number or credit. The mobile number is required in case we need to contact the user. All communications will be sent by email. It is very important that the correct data is provided to us, otherwise the payment schedule and any order updates may not arrive.e.

A credit search will be carried out against the user?

Klarna can make so-called undocumented requests (or soft credit searches) which have no effect on the credit score and are visible only to the user and Klarna, but are not visible to other credit institutions. Neither Klarna nor Marina Ferraro Gioielli carry out credit searches against the user that could affect his credit score.

Because the option Pay in 3 installments without interest is not accessible to everyoneti?

Although the Pay in 3 installments without interest option is widely advertised, it is not always available to everyone. The Pay in 3 installments without interest option is automatically generated by algorithms that depend on a number of factors including address, cardholder data, order total, online shop, previous order history and the availability of the article.olo.

What payment options are available with Klarna?

Payments for the installments of the Pay in 3 installments without interest option will be automatically charged to the debit or credit card indicated at the time of payment. The first payment will be charged when the order is confirmed. The second and third installments will be charged respectively 30 and 60 days after the first installment. You can always monitor your payment schedule in the Klarna app.a.

What happens if you cancel or return the order?

As soon as Marina Ferraro Gioielli accepts the cancellation or return, Klarna will cancel any future scheduled payments, also refunding any amount due. The return will be immediately visible in the Klarna app.

What happens if you don't pay for the order?

Klarna will try to debit the payment for the Pay in 3 installments without interest ato Marina Ferraro jewelry on the debit or credit card indicated at the time of payment. If it is not possible to debit the payment on the due date, Klarna will make a second attempt to automatically debit the payment two days later. If this attempt is unsuccessful, Klarna will issue a statement for the entire outstanding amount which will become payable 15 days later. Klarna will communicate the payment deadline two days before attempting to redeem it and it will always be possible to monitor the due date in the Klarna application.

If you do not pay in time using the Pay in 3 installments option without interest, your credit score will not be affected. The user was asked to go to the Klarna site. It's correctto?

You can view all Klarna purchases and payment schedules in the Klarna app or by logging into Klarna.com/uk.

The user's payment details are safe?

Your payment details are processed securely by Klarna. No card data is transferred or held byMarina Ferraro jewelry. All transactions take place with connections secured by the latest industry security protocols.

You can pay before the due date?

Yes. Just go to the Klarna app or go to the Klarna.com/uk website and pay in advance.

The payment has been successful?

Klarna will send an email notification and a push notification from the Klarna application when a payment is due and when it has been successfully collected, or in the unlikely event that the payment is not successful. If a payment has been made but no confirmation of payment has been received, it will always be possible to check the status of the order and payments in the Klarna app or by accessing the website www.klarna.com/uk

What happens to the user's account statement after the goods are returned?

OnceMarina Ferraro jewelry has received the return (partial or total) and the user has received the confirmation of receipt, Klarna will send an account statement with an updated payment plan in the case of a partial return. With a full merchandise return, we will refund all payments received and cancel all future scheduled payments. The user can always monitor the status of his order in the Klarna app. The user has received the account statement but has not yet received the goods. In the event that the goods have not yet been received, callMarina Ferraro jewelryto check the status of the order and its delivery. You can also contact Klarna Customer Service so that we can postpone the payment due date or put the order on hold in the Klarna app pending delivery.

The user has canceled his order. How long will it take before your refund is received?

Once the store has registered the cancellation or return, the refund will be processed within 5-7 business days.

The user has requested a refund, how it will be made?

Refunds will be made to the debit or credit card that was originally given at checkout. The user has not received any email relating to his account statement or payment details. You can access the Klarna app or the website www.klarna.com/uk, where you can find all orders and scheduled payment information.

How can you contact Klarna for further payment concerns?

See the Klarna app or the Klarna Customer Service page for a full list of frequently asked questions, contact numbers and live chat.