KLARNA INVOICE - First buy, then pay

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

And this is how it works:

● Select "Invoice" as the payment method at the checkout. There you decide whether you want to pay within 14 or 30 days.

● You will receive your invoice after your purchase. 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 send goods back, you can simply note your returns in the Klarna app to pause the 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 have received a request for payment even though my order was canceled due to the COVID-19 pandemic. What should I do?

To protect people during the evolving COVID-19 pandemic, some retailers are canceling some orders that you may have already paid for. Please contact the respective retailer directly to inquire about the status of your order. For more information on what you can do if you have already paid for your goods before they have been delivered, please 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 the payment by the end of the payment period, we will send a first reminder by e-mail. We will send a total of three reminders at least 12 days apart. If no payment has been received after the third reminder, a debt collection agency may be commissioned. 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 that month for a small surcharge. This gives you more time to pay for your purchase. We collect all your purchases made with this payment option on a monthly invoice. We will send this to you at least 14 days before the payment deadline. The invoice gives you a quick overview of the total amount outstanding and shows you the minimum amount you need to transfer to maintain 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 are already using our flexible installment plan, you will also see the purchases included on your monthly invoice.

How does buying on account with Klarna work?

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

How should I pay my bill?

You can log in here and pay your invoice with 1 click. If you want to make a bank transfer, you will find all the information you need on your invoice: Klarna's account details, the payment term and the reason for payment. IMPORTANT: Please only use the intended purpose stated on the invoice, as the payment is automatically assigned to your invoice by our system. Do you have to pay several invoices? Please transfer the amounts separately and state the respective purpose of payment. This will ensure that your payment is allocated quickly and correctly. Payee: Klarna Bank AB IBAN: DE13 7607 0012 0500 154 000 BIC/SWIFT: DEUTDEMM760 Deutsche Bank AG

Why have I received an invoice from Klarna?

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

I have not 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 folder) in your inbox. Sometimes an important e-mail ends up there.
Log in here or in the Klarna app to see all invoices from the last few months at a glance. If you can't find the invoice, you can contact our customer service. We will send you a copy of your invoice and extend the payment term if necessary.

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

I have paid my invoice. Why have I received 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 bank transfer can take up to three days. If you transfer the invoice amount late, please ensure that you also pay the reminder costs. If we only receive the original amount, 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 may also be sent if your transfer could not be allocated. Therefore, please only use the intended purpose stated on the invoice.

How do I check whether my payment has arrived?

As soon as your payment has been received, 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 merchant, the invoice will be sent by email, post or together with your order in a package. 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 specified payment deadline to check the ordered goods and make the transfer. If, contrary to expectations, you have not received your order by the payment deadline or would like to extend the payment deadline for other reasons, simply log in here.

Is it possible to extend the payment term of my invoice?

You can extend the payment term of your invoice by logging in here. With flexible installment purchases, it is not possible to extend the payment term of the monthly invoice. This payment method is comparable to a loan, where a payment must be made at regular intervals. You always receive your monthly invoice 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 e-mail 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 enter your account once, you have to actively initiate each payment collection. 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 in our customer portal (and in the Klarna app) and pause the invoice. Tip 5: In our app or in the customer portal, you can also postpone the payment deadline for a small surcharge if you're running a little short of money.

How high are the reminder fees?

If an invoice is not paid within the payment period, the internal reminder process begins. We send a first free payment reminder by e-mail. This is followed by a total of three reminders, each of which is associated with a reminder fee of EUR 1.20. This is compensation for the damage incurred. This is a compensation for the resulting damage. We will send a total of three reminders. If no payment has been received after the third reminder, a debt collection agency may be commissioned, resulting in 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:

Log in here with your e-mail address and click on your profile.
Click on "Linked bank account" and then on "Link bank account"
Enter the IBAN of your bank account and confirm it.
Done!

To pay your bill:

Click on "Pay now" for any invoice.
Select the bank account you want to use for the payment.
Confirm your payment.
Done!

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 have chosen the invoice payment method for 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 have opted for the direct debit payment method (Sofortüberweisung), we will automatically debit the money from your account after the merchant has informed us of the shipment. Both payment methods are based on the SEPA Direct Debit Scheme. You must set up a mandate for both so that Klarna can debit the amount from your account.