Slice It In 3


Seen something you want, but not got the cash just yet? No problem. Klarna's Slice It In 3 allows you to split the cost over three months at no additional cost.

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 3?

To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to  your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

How does Pay later in 3 work?

Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by safe.co.uk and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the klarna app or by logging into klarna.com/uk.

What are my payment options?

Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is  taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.

What information do you need?

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current  billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order 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?

Yes. Just go to the Klarna app or log onto klarna.com/uk and pay off early.

Why have I not been offered Pay later in 3? 

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option  is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online  store, previous order history and item availability.

Can I increase my chances of being accepted for Pay later in 3?

Klarna is unique and offers Pay later in 3 interest-free instalments 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 3 interest-free instalments 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 been accepted for a Klarna  payment method 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 notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and  payments in the Klarna app or by logging in at klarna.com/uk

I've not received my order yet.

In the event that your goods have not been received please call safe.co.uk to check on your order and delivery status. 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.

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. 

Can I cancel or return my order?

Yes, as soon as safe.co.uk have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

How will I be refunded?

Refunds shall be issued back to the debit or credit card which was originally entered at checkout. 

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?

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at safe.co.uk from the debit or credit card  you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in  Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product 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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