How it works

  • We partner with merchants who want to offer a smoooth shopping experience.

  • Checkout with any of these merchants who offer to “Pay later in 30 days with Klarna.”

  • Once the merchant confirms shipment of your order, we will send you a digital invoice due in 30 days.

  • Receive your order and keep what you like, and return the rest.

  • Once you are happy with your order, you can pay your final balance with a valid credit card, debit card or bank account. Best of all, we don’t charge you any fees or interest.

  • It’s that easy! No need to pay upfront and worry about slow returns holding up your funds.

Complete Terms

The following Payment Option Terms apply between Klarna Inc. ("Klarna," we," or "us") and the user of this payment option ("you"). In addition to these Payment Option Terms, your use of the Klarna Services are governed by the Klarna Shopping Service, which include your agreement to:

If you do not agree to these terms, you must not use the Klarna Services. The Klarna Shopping Service combined with these Payment Option Terms are a contract between you and Klarna.


If you are offered Pay later in 30 days digital invoice, you have the option to pay for your purchase at a later date – typically 30 days after the item has shipped. Upon your purchase with Pay later in 30 days digital invoice, you will receive an invoice from Klarna by email, stating when payment is due. You will make your payment directly to Klarna. If you make your Pay later in 30 days digital invoice payments to the merchant directly, your payments may not be delivered to Klarna in a timely manner, causing you to miss the applicable due date(s) described below. Any inquires and disputes regarding your Pay later in 30 days digital invoice payments should be directed to Klarna, not the merchant.


Due Date: You will have a period of 30 days to pay your Pay later in 30 days digital invoice. This period commences when the merchant confirms shipment of the goods, and the last day of such period is the “Due Date.” As soon as an item ships, Klarna will receive notification from the merchant and Klarna will then send you an e-mail informing you of the date by which payment is to be made, along with details about how payment must be made. Your payment is due to Klarna by 8:00PM Eastern Time on your Due Date.


We will refund any overpayment in excess of $1USD to you. You authorize us to make the refund electronically or using an ACH, (a) if you made the original payment electronically or using an ACH, or (b) if you typically make payments for digital invoice electronically or using an ACH.


Late Payment: If you fail to make full payment by the Due Date, you will be in default and unable to use the service in the future.


Returned Payment Fee: If you attempt to pay for a Pay later in 30 days digital invoice via check or Automated Clearing House and your payment is returned unpaid when we present to your bank or financial institution for “not sufficient funds” or for other reasons such as a closed account, we will charge you a Returned Payment Fee of up to $27USD. However, the Returned Payment Fee will not exceed the total amount you owe.


Default: You will be in default if you: (a) fail to make a payment in full by the Due Date; (b) become the subject of insolvency or bankruptcy proceedings; (c) supply false, misleading or incorrect information to us; (d) a payment is unpaid and returned to us by your bank; or (e) violate or are unwilling to comply with any provision in the Terms.


If you are in default, Klarna may employ a debt collection agency to receive payment and you will have to pay all reasonable costs (including attorney’s fees) incurred by Klarna and/or the debt collection agency.  Additionally, if you are in default, Klarna may report this information to credit bureaus.


Consent to Receive Debt Collection Emails: In the event that your account goes into default, you consent to receive debt collection emails from our debt collection service provider, TrueAccord Corp.  You certify that any email address you provide to Klarna can be used by TrueAccord Corp. for debt collection communications.  You also certify that any email address you provide is a personal email address and not a work email address.  If you change your email address, it is your obligation to update your email address with Klarna.  



Klarna Inc. PO Box 8116, Columbus, OH 43201. Klarna Customer Service.



For complaints, the information provided on applies. If you have a complaint towards Klarna, you can submit your complaint through the contact form on Klarna’s website ( or via postal mail with the keyword "Complaint” to Klarna’s address.

Last updated 5 February 2020.