Pay in 30 Days


Buy now, Pay Later - it's that simple. Klarna's Pay Later option lets you pay your order total in 30 days

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores with over 85 million customers.

Am I eligible for Pay later in 30 days?

To use Pay later in 30 days you must be at least 18. Whilst this option is widely promoted, Pay later in 30 days is subject to your financial circumstances. When choosing Pay later in 30 days, our assessment will not affect your credit rating. 

How does Pay later in 30 days work?

Once your order is confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card in the klarna app or by logging into klarna.com/uk

What are my payment options?

You can pay with debit or credit card immediately in the checkout or take advantage of our Pay later in 30 days payment option, where you can pay for the goods  once you have received them via credit card or debit card. You can always monitor your outstanding payments in the Klarna app.

What information do you need?

If you want to make a purchase with Klarna you need to provide your name, address and email address. For some orders you may need to provide your mobile  number or date of birth, too. All information will be sent to your email address, including payment reminders and links to your online statements. It's very important that you give us the correct details, as otherwise you will not receive the payment information.

Will I be credit checked?

Klarna may run unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to  other lenders. Neither Klarna nor safe.co.uk run credit searches against you that could impact your credit rating.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by safe.co.uk. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?

You can pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on this email or in the Klarna app to pay for your order. 

Why have I not been offered Pay later in 30 days?

Although Pay later in 30 days is widely promoted it is not always universally available. The Pay later in 30 days method is automatically generated by algorithms  that are dependent upon a number of factors including amount of order, the online store, previous order history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at the checkout. 

Can I increase my chances of being accepted for Pay later in 30 days?

Klarna is unique and offers Pay later in 30 days based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 30 days by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have had Pay later in 30 days before does not mean it will be offered for every  order and in turn, as it is denied does not mean it will be denied for all future orders.

Have you received my payment?

Klarna will send you a payment confirmation to the email address that you have used for your order. If you have made a payment but not received the payment confirmation, you can always check the status of your order  and payments by logging in to the Klarna app or klarna.com/uk

I've not received my order yet.

You have 30 days to pay, so you don’t need to pay right away. If your due date is near and there is no sign of your goods, please call safe.co.uk to check on delivery. You can also contact Klarna’s Customer Service so that we 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 haven’t received my statement.

You can log in the Klarna app or at klarna.com/uk, where you will find all of your orders and payment schedule information.

Can I cancel or return my order?

Yes, as soon as safe.co.uk have accepted your cancellation/return, then Klarna will cancel the statement or refund your payment. The return will be reflected in the Klarna app immediately.

How will I be refunded?

If you have paid for your order with a card, the refund will be made back to the same card. If you have not paid the statement yet, then the refund will reduce the  statement or cancel it completely. 

How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days.

What happens if I don’t pay?

Payment is due 30 days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due you'll receive a push notification from  the Klarna app or email reminders to pay and, if very late, we'll also send you a text or letter, too. Your credit score will not be impacted by using Klarna’s 'Pay  later in 30 days' products even if you have failed to pay on time.  

How do I contact Klarna?

Visit the Klarna app or Klarna’s Customer Service page klarna.com/uk for a full list of FAQ’s, live chat and telephone options. 
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