WHO IS KLARNA?

 

Frequently Asked Questions about “Pay in 3 interest-free installments”

Klarna is a Swedish payment service provider that takes responsibility for user payments. Klarna is the simplified payment provider for over

200,000 online stores. So far, more than 85 million customers worldwide have trusted Klarna for their payments.

 

HOW DOES THE "PAY IN 3 INTEREST-FREE INSTALLMENTS" OPTION WORK?

“Pay in 3 interest-free installments” allows you to spread the cost of your purchase over 3 equal payments. Payments for each installment will be automatically charged to the debit or credit card provided at checkout. The first installment will be charged when the order is confirmed by The Private Outlet, and the second and third installments will be 30 and 60 days later, respectively. You can always monitor your payment schedule in the Klarna App.

 

WHO IS ELIGIBLE FOR THE "PAY IN 3 INTEREST-FREE INSTALLMENTS" OPTION?

To use the "Pay in 3 interest-free installments" option, you must be at least 18 years old. Although the "Pay in 3 interest-free installments" option is widely advertised,

it is subject to the user's financial circumstances. By choosing to use the "Pay in 3 interest-free installments" option, our analysis will not affect the user's credit rating.

 

HOW CAN YOU INCREASE YOUR CHANCES OF BEING ACCEPTED FOR THE "PAY IN 3 INTEREST-FREE INSTALLMENTS" OPTION?

Klarna is unique and offers the "Pay in 3 interest-free installments" option based on a number of factors such as order value, order history, and item availability. If the user is over 18, they can increase their chances of using the "Pay in 3 interest-free installments" option by making sure to provide their full name and an accurate address, as well as using their registered billing address for shipping. All orders are individually reviewed. Just because the user has used the "Pay in 3 interest-free installments" option before does not mean that they will be offered it for every order; and, if the option has been denied to them before, it does not mean that it will be for all future orders.

 

WHAT DOES THE USER NEED TO PROVIDE WHEN MAKING A PURCHASE?

If the user wishes to make a purchase with Klarna using the "Pay in 3 interest-free installments" option, they will need to provide their phone number, email address, current billing address, and a debit or credit card number. The mobile number is necessary in case we need to contact the user. All communications will be sent via email. It is very important that we are provided with the correct data, otherwise the payment schedule and any order updates may not arrive.

 

WILL A CREDIT CHECK BE PERFORMED ON THE USER?

Klarna may perform so-called unsubstantiated inquiries (or soft credit checks) that have no effect on the credit score and are only visible to the user and Klarna, but are not visible to other credit institutions. Neither Klarna nor The Private Outlet performs credit checks on the user that could affect their credit score.

 

WHY IS THE "PAY IN 3 INTEREST-FREE INSTALLMENTS" OPTION NOT ACCESSIBLE TO EVERYONE?

Although the "Pay in 3 interest-free installments" option is widely advertised, it is not always available to everyone. The "Pay in 3 interest-free installments" option is automatically generated by algorithms that depend on a number of factors including address, cardholder data, order total, online store,

previous order history and item availability.

 

WHAT PAYMENT OPTIONS ARE AVAILABLE WITH KLARNA?

Payments for "Pay in 3 interest-free installments" will be automatically charged to the debit or credit card provided at checkout. The first payment will be charged when the order is confirmed. The second and third installments will be charged 30 and 60 days after the first installment, respectively. You can always monitor your payment schedule in the Klarna app.

 

WHAT HAPPENS IF THE ORDER IS CANCELLED OR RETURNED?

As soon as The Private Outlet accepts the cancellation or return, Klarna will cancel any future scheduled payments and also refund any amount due. The return will be immediately visible in the Klarna app.

 

WHAT HAPPENS IF THE ORDER IS NOT PAID?

Klarna will attempt to charge the payment for the "Pay in 3 interest-free installments" from The Private Outlet to the debit or credit card provided at the time of payment. If payment cannot be charged on the due date, Klarna will make a second attempt to automatically charge the payment two days later. If this attempt is unsuccessful, Klarna will issue a statement for the full outstanding amount which will become payable 15 days later. Klarna will communicate the payment due date two days before attempting to collect it, and it will always be possible to monitor the due date in the Klarna application. If you do not pay on time using the "Pay in 3 interest-free installments" option, your credit score will not be affected.

 

HAS THE USER BEEN ASKED TO GO TO THE KLARNA WEBSITE? IS THIS CORRECT?

You can view all your Klarna purchases and payment schedule in the Klarna app or by logging in to Klarna.com/it.

 

ARE THE USER'S PAYMENT DETAILS SECURE?

Payment data is processed securely by Klarna. No card data is transferred or retained by The Private Outlet. All transactions take place with connections secured by the latest industry security protocols.

 

IS IT POSSIBLE TO PAY BEFORE THE DUE DATE?

Yes. Simply go to the Klarna app or log in to the Klarna.com/it website and pay in advance.

 

HAS THE PAYMENT BEEN SUCCESSFUL?

Klarna will send an email notification and a push notification from the Klarna application when a payment is due and when it has been successfully collected, or in the unlikely event that the payment has failed. If a payment has been made but no payment confirmation has arrived, you can always check the status of the order and payments in the Klarna app or by logging in to the website www.klarna.com/it

 

WHAT HAPPENS TO THE USER'S STATEMENT AFTER THE GOODS ARE RETURNED?

Once The Private Outlet has received the return (partial or total) and the user has received confirmation of receipt, Klarna will send a statement with an updated payment plan in the case of a partial return. With a total return of the goods, we will refund all collected payments and cancel all future planned payments. The user will always be able to monitor the status of their order in the Klarna app.

 

THE USER HAS RECEIVED THE STATEMENT BUT HAS NOT YET RECEIVED THE GOODS.

In the event that the goods have not yet been received, please contact The Private Outlet to check the status of the order and its delivery. You can also contact Klarna Customer Service so that we can postpone the payment due date or put the order on hold in the Klarna app pending delivery.

 

THE USER HAS CANCELLED THEIR ORDER. HOW LONG WILL IT TAKE TO RECEIVE THE REFUND?

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

 

THE USER HAS REQUESTED A REFUND, HOW WILL IT BE MADE?

Refunds will be made to the debit or credit card that was originally given at checkout.

 

THE USER HAS NOT RECEIVED ANY EMAIL REGARDING THEIR STATEMENT OR PAYMENT DETAILS.

You can access the Klarna app or the website www.klarna.com/it, where you will find all orders and scheduled payment information.

 

HOW CAN KLARNA BE CONTACTED FOR FURTHER PAYMENT CONCERNS?

Please consult the Klarna app or the Klarna Customer Service pagefor a complete list of frequently asked questions, phone contacts, and live chat.

 

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