Pay Later with Klarna is a payment method which allows you to buy now and pay later, meaning you only have to pay for the items that you keep.

Customers over the age of 18.

Customers with a billing and delivery address registered in the UK.

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.

Pay Later with Klarna gives you extra flexibility when paying for your order as you’re able to pay within 30 days. If you choose to pay using Pay Later with Klarna, 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 below.

When placing an order in GBP on our UK website. There’s no minimum spend – simply add the items you love to your basket and head to checkout.

When you get to checkout, click ‘change’ under payment type and select ‘Add New Payment Method’.

Enter your card information.

Confirm your date of birth.

Click ‘Place order’.

Confirm the phone number linked to your Smile Science (Westfield) Limited account and enter the 6-digit verification code sent to you via SMS.

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.

If you have any trouble placing an order with Klarna, it could be due to one of the following reasons:

• Klarna may have rejected your application to pay on account. We’d recommend choosing another type of payment or placing an order for a smaller amount.
• Klarna may not have been able to check your details using the billing address that you’ve provided. You’ll need to make sure that your billing address is the same address that your bank/credit cards are registered to.
• You may have outstanding payments on previous Klarna statements. Once these are paid off, try Pay Later with Klarna again. If you’ve recently paid off outstanding statements, please allow 24 hours before trying to pay through Klarna again.
• You may have missed a required field at the checkout, such as filling in your Date of Birth.
• If you haven’t used Klarna before and you’re shipping to a different address to your billing address, the payment may be declined.

To find out more about returns paid for my Klarna, click here.

Orders returned are subject to our Returns Policy – click here for more info.

You have 30 days to pay your Klarna invoice.

Your right to return items isn’t affected by this invoice period, and you’ll only have to pay for the items that you keep.

We’ll send you an email as soon as we’ve completed your return. *All returns are subject to our original condition and fair use policies.

If you’ve returned items from an order paid for with Klarna, and you’re near the end of your invoice period, we’d recommend extending the deadline to avoid payment charges. Click here to pay your Klarna invoice.

If you have any questions about extending your invoice, please contact Klarna Customer Service. Smile Science (Westfield) Limited aren’t able to extend your invoice.

You’ll automatically receive a reminder from Klarna if you pass the date of payment shown on your invoice. If you’ve received a reminder but already returned items to us, please contact Klarna Customer Service.

If you haven’t paid your invoice, you’ll receive an updated version from Klarna within 24 hours of your returns being processed.

Already paid for your order in full? You’ll receive a refund from Klarna for the items you returned.

Just one more thing…

Klarna are an independent payment provider and Smile Science (Westfield) Limited have no influence over whether your payment with Klarna is accepted or not. If you have any trouble with your order, please contact Klarna Customer Service.

Pay Later in 3 with Klarna is a payment method that allows you to spread the cost of your order over 3 interest- free, equal monthly installments.

• Customers over the age of 18.
• Customers with a billing and delivery address registered in the UK. 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.

Pay Later in 3 gives you extra flexibility when paying for your order as you’re able to spread the cost through instalments. If you choose to pay using Pay Later in 3, please remember to spend responsibly – sometimes, delaying or splitting up payments might not always be the best option.

• When you get to checkout, click ‘change’ under payment type and select ‘Add New Payment Method’.
• Enter your card information.
• Confirm your date of birth.
• Click ‘Place order’.
• You’ll be asked to confirm the phone number linked to your Smile Science account and enter a 6-digit verification code sent to you via SMS.

• Orders are paid for in 3 interest free, monthly installments.
• You’ll be asked to pay the first of the three installments once your order has been confirmed at checkout.
• Installments 2 and 3 will automatically be collected from the debit or credit card you entered at checkout 30 and 60 days later, respectively.
• You’ll receive a reminder from Klarna 2 days before each installment is collected.
• If you miss one of your scheduled installments and Klarna are unable to automatically withdraw the money from your account 2 days later, you’ll be issued with a statement for the full amount due. You can find out more on missed Klarna repayments here.
• 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.
• If you’re experiencing difficulties paying your installments, please click here.

• Klarna may have rejected your application to pay on account. We’d recommend choosing another payment type or placing an order for a smaller amount.
• Klarna may not have been able to check your details using the billing address that you’ve provided. You’ll need to make sure that your billing address is the same address that your bank/credit cards is registered to.
• You may have outstanding payments on previous Klarna purchases. Once these are paid off, try Pay Later in 3 with Klarna again.
• If you’ve recently paid off outstanding statements, please allow 24 hours before trying to pay through Klarna again.
• You may have missed a required field at the checkout, such as filling in your Date of Birth.

To find out more about returns paid for using Pay Later in 3 with Klarna, click here.

Orders returned are subject to our Returns Policy – click here for more info.

• All returns are subject to our original condition and fair use policies. If a refund is due, your invoice will be adjusted, and you’ll receive a refund from Klarna within 10 working days for all payments you’ve already made.
• Your refund will be issued back to the credit or debit card you used at checkout to pay your first installment.
• If you haven’t paid all of your remaining installments, then Klarna will cancel any future scheduled payments.

• If you have any installments that are still due, these will be adjusted to reflect what you have returned.
• Any returns will reduce the outstanding balance from the last installment which may remove an installment or reduce the installment balance.
• Customers can stay on top of their payment schedule by downloading the Klarna App or logging into their Klarna account here.

An example of how a refund may be adjusted is:

• Order total – £120
• 1st instalment – £40
• Return amount – £20
• 2nd and 3rd installment – £30
• If the refund amount was £60 then payments 2 and 3 would be £10.

If you’ve paid more than the value of the items you have kept, then you’ll receive a refund from Klarna within 10 working days for the difference.

If you have any questions about your Klarna Pay Later in 3, please contact Klarna Customer Service.