KLARNA INVOICE - Buy first, pay later

Buy a new favorite item today and simply pay for it later within 14 or 30 days. This way you can take a closer look at it before you pay for it.

And this is how it works:

● Select “Invoice” as your payment method at checkout. There you can decide whether you want to pay in 14 or 30 days.

● After the purchase, you will receive your invoice. You can pay this conveniently in our app or online. You can also temporarily pause a payment if there is a problem.

● If you want to return goods, you can easily mark your returns in the Klarna app to pause your invoice until the returns have been processed. We will update your invoice as soon as the goods have arrived at the retailer.

QUESTIONS AND ANSWERS

I received a payment request even though my order was cancelled due to the COVID-19 pandemic. What should I do?

To keep people safe during the evolving COVID-19 pandemic, some merchants are cancelling some orders you may have already paid for. Please contact the merchant directly to inquire about the status of your order. For more information about what to do if you have already paid for your goods before they have been delivered, see our Buyer Protection Policy .

What happens if I don't pay my bill on time?

An invoice from Klarna must be paid within 14 days of the invoice date. If we have not received payment by the payment deadline, we will send a first reminder by email. We will send a total of three reminders at intervals of at least 12 days. If no payment has been received after the third reminder, a debt collection agency may be hired. This will incur additional costs.

How does “Pay in month X” work?

“Pay in month X” means that you can postpone payment for your purchase to the specified month for a small surcharge. This gives you more time to pay for your purchase. We collect all of your purchases that you make with this payment option on a monthly invoice. We send this to you at least 14 days before the payment deadline. The invoice gives you a quick overview of the total outstanding amount and shows you the minimum amount you need to transfer to keep the current payment terms or switch to flexible installment purchase. Example: If you have selected “Pay in October”, the monthly invoice will be sent to you in mid-September. It is due at the beginning of October. If you already use our flexible installment purchase, you can also see the purchases included in it on your monthly invoice.

How does purchasing on account with Klarna work?

The principle is simple: you have 14 days from the invoice date to pay your bill. You only pay when you have received the goods. You shop in a relaxed manner, complete your order and check the products at home. Depending on the retailer, the invoice is sent either by email, separately by post or together with the goods.

How should I pay my bill?

You can log in here and pay your bill with one click. If you want to make a transfer, you will find all the information you need on your invoice: Klarna's account details, the payment due date and the intended purpose. IMPORTANT: Please only use the intended purpose stated on the invoice, as our system automatically assigns the payment to your invoice. Do you have to pay several invoices? Please transfer the amounts separately and state the respective intended purpose. This will ensure that your payment is assigned quickly and correctly. Payee: Klarna Bank AB IBAN: DE13 7607 0012 0500 154 000 BIC/SWIFT: DEUTDEMM760 Deutsche Bank AG

Why did I receive an invoice from Klarna?

We at Klarna work with online shops. When you shop in an online shop, you can choose a payment method from Klarna, e.g. invoice or installment purchase. We then process the payment for the shop. You receive an invoice from us and we forward your payment to the shop. The whole process is particularly safe and easy for you: you only have to pay your invoice once you have received your order and you like the goods.

I haven't received an invoice. What can I do?

You have already received your order, but the corresponding invoice is missing? We recommend the following:

• Check the spam folder (trash) in your inbox. Sometimes an important email gets lost there.
• Log in here or in the Klarna app to see all invoices from the last few months at a glance. If you cannot find the invoice, you can contact our customer service. We will send you a copy of your invoice and, if necessary, extend the payment deadline.

When you purchase on account with Klarna, you never have to pay before receiving the goods. Depending on the retailer, the invoice is sent either by email, by post or together with the goods.

I paid my bill. Why did I receive a reminder?

If the payment deadline for an invoice has passed and we have not yet been able to register a payment, a reminder will automatically be sent by post. Of course, we take into account that a transfer can take up to three days. If you transfer the invoice amount late, please make sure to also pay the reminder costs. If only the original amount reaches us, you will receive another invoice for the reminder costs. Log in here to check whether a payment has been received or whether an amount is still outstanding. A reminder can also be sent if your transfer could not be assigned. Please therefore only use the intended purpose stated on the invoice.

How do I check if my payment has arrived?

As soon as we receive your payment, you will automatically receive a confirmation email from us. You can also check here or in the Klarna app whether we have received your payment. Simply log in with the email address you used when ordering.

When will I receive my invoice?

We will send you your invoice as soon as the retailer ships your order. Depending on the retailer, the invoice will be sent by email, post or in a package with your order. You can also view the invoice in the Klarna app or access it online by logging in here . If the invoice is sent by email, it will arrive earlier than your order. Of course, you have until the stated payment deadline to check the goods you ordered and make the transfer. If, contrary to expectations, you have not received your order by the payment deadline or you would like to extend the payment deadline for other reasons, simply log in here .

Is it possible to extend the payment deadline for my invoice?

You can extend the payment deadline for your bill if you log in here . With flexible installment purchases, it is not possible to extend the payment deadline for the monthly bill. This payment method is comparable to a loan, where payments must be made at regular intervals. You always receive your monthly bill in the middle of the month. You then have two weeks to make the payment.

How can I revoke my direct debit mandate?

Log in here with your email address. Under "Settings" you can then click on "Remove" next to your account details to revoke the direct debit mandate.

How can I avoid reminders?

Tip 1: In the Klarna app, you can give us a SEPA direct debit mandate and then pay outstanding amounts to us with just one click. You only set up your account once, but you must actively initiate each direct debit. Tip 2: One day after the payment deadline expires, we will send a free first reminder to the email address provided in the order process to remind you of the outstanding payment and to give you another opportunity to transfer the amount due. Tip 3: With the Klarna app, you can activate push notifications to remind you of outstanding payments. Tip 4: If you have not received the goods, you can report this problem and pause the invoice in our customer portal (and in the Klarna app). Tip 5: In our app or in the customer portal, there is also the function of postponing the payment deadline for a small additional charge if you are a little short on money.

How high are the reminder fees?

If an invoice is not paid within the payment period, the internal dunning process begins. We send a first free payment reminder by email. This is followed by a total of three reminders, each of which is subject to a reminder fee of EUR 1.20. This is compensation for the damage caused. We send a total of three reminders. If no payment has been received after the third reminder, a debt collection agency may be commissioned, which will incur additional costs.

How do I link my bank account and how do I pay with it?

The easiest way to pay is by linking your bank account to the app. To link your bank account:

1. Log in here with your email address and click on your profile.
2. Click on “Linked bank account” and then on “Connect bank account”
3. Enter the IBAN of your bank account and confirm it.
4. Complete!

To pay your bill:

1. Click “Pay Now” for any invoice.
2. Select the bank account you want to use for payment.
3. Confirm your payment.
4. Complete!

We use a SEPA direct debit procedure to communicate with your bank. You actively confirm the desired payment with just one click on "Pay". The amount will then be debited from your account within 5 working days.

Do I have to link my bank account to pay by direct debit?

Not quite. If you chose to pay by invoice when making your purchase, you can link your bank account to the app to pay your invoice. Before we debit the money from your account, you must actively confirm this. If you chose to pay by direct debit (instant transfer), we will automatically debit the money from your account after the retailer has informed us of the shipment. Both payment methods are based on the SEPA direct debit procedure. For both, you must set up a mandate so that Klarna can debit the amount from your account.