Do you offer Buy Now Pay Later options?Updated 3 years ago
'Buy Now, Pay Later'
We are pleased to offer our customers three different Buy Now, Pay Later options. You can choose to pay by Clearpay, Klarna or PayPal Credit. You cannot use a Buy Now, Pay Later option if your order includes a pre-order item.
Please note: Some payment methods are subject to a soft credit check. These payment options give you extra flexibility when paying for your order, such as allowing you to pay after 30 days, or spreading the cost through instalments. If you choose one of these payment types, please remember to spend responsibly – sometimes, delaying or splitting up payments might not always be the best option. We want you to shop with confidence, so we’ve provided all the info you need on each of these payment options below.
Klarna
Can only be used by customers who meet the following conditions:
• aged 18 or over
• with a billing and delivery address registered in the UK
Please note that Klarna will perform soft searches with credit reference agencies, on application to use the payment method, to determine if you are eligible. These soft searches do not impact your credit file, either at application or if a payment is missed or late, and are only visible to you and Klarna.
When do I have to pay Klarna for my order?
• Klarna will send you an email within 2 days of your order being placed with payment instructions.
• You'll have 30 days to complete the payment online. You can pay at your convenience, with no extra cost via credit or debit card.
• You'll receive a reminder two days before your payment is due, and you'll also receive email reminders. If you do not pay for your order on time, you may no longer be able to access Klarna’s payment options for future purchases
• If a payment is late, Klarna will contact you over a period of several months to try and arrange repayment of the outstanding balance. If after a period of several months you have not repaid, Klarna may use a debt collection agency to recover the outstanding balance.
I'm having trouble paying with Klarna at the checkout?
This may be for a number of reasons and we've listed some of them below to help you:
• Klarna may have rejected your application to pay on account. In this case, we recommend contacting Klarna or choosing another payment method.
• Klarna may not have been able to check your details using the billing address you've provided. Please make sure that your billing address is the same address that all of your credit / debit cards are registered to.
• Have you missed a required field at checkout? Usually, these fields are marked with an asterix and you won't be able to proceed unless you've completed those fields.
• You may have outstanding statements on previous Klarna payments.
• If you haven't used Klarna before and you're shipping to a different address to your billing address, the payment may be declined.
If you're still having trouble paying with Klarna at the checkout, you'll need to contact Klarna Customer Service. Klarna are an independent payment provider and The Journal Shop have no influence over whether your payment with Klarna is accepted or not.