Klarna Payments FAQ's

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of Smoooth payments to more than 170,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Pay later and Pay later in 3 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 try on your order and only pay when you’re happy. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card at www.klarna.com/uk

Pay later in 3 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 Will Bees Bespoke and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

Am I eligible for Pay later or Pay later in 3?

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

How can I increase my chances of being accepted for Pay later or Pay later in 3?

Klarna is unique and offers Pay later and Pay later in 3 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 or Pay later in 3 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.

Will a credit search take place against me?

Klarna may run so-called 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 Will Bees Bespoke run credit searches against you that could impact your credit rating.

Why have I not been offered Pay later or Pay later in 3?

Although Pay later and Pay later in 3 are widely promoted it is not always universally available. The Pay later and Pay later in 3 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.

What are my payment options with Klarna?

You can pay with debit or credit card immediately in the checkout or take advantage of our Pay later payment option, where you can pay for the goods once you have received them via credit card or debit card.

Payment for your Pay later in 3 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.

What happens if I cancel or return my order?

As soon as Will Bees Bespoke have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due.

What happens if I don’t pay for my order with Pay later?

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 email reminders to pay – and, if very late, we’ll also send you a text or letter, too. If you fail to pay Klarna for your order, your credit score will be affected.

What happens if I don’t pay for my order with Pay later in 3?

Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase at [MERCHANT] 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.

I have been asked to go to Klarna's site. Is this correct?

If you have chosen to Pay later, Klarna will send you an email with further details on how to pay. Your email will contain a link to Klarna where you can settle your payment with your credit or debit card.

If you have chose Pay later in 3, you can view all of your Klarna purchases and payment schedule simply by logging onto Klarna.com/uk.

What do I need to provide when I make a purchase?

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.

Is my payment information safe?

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

Can I pay before the due date?

If you have chosen Pay later 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 to pay for your order.

If you have chose Pay later in 3, no, this is not currently possible for Pay later in 3 purchases.

Have you received my payment?

If you pay by card, Will Bees Bespoke will confirm your order right away. If paying by Pay later, 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 at www.klarna.com.

If paying by Pay later in 3, Klarna will notify you via email and push notification when a payment is due and when this has successfully be 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 by logging in at

What happens to my statement, when I've returned the goods?

If paying by Pay later, once Will Bees Bespoke has received the return (partial or full) and you have received their confirmation of this, an updated statement will be sent to you by Klarna if you've made a partial return. With a full return, your statement will be closed.

If paying by Pay later in 3, once Will Bees Bespoke has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments.

I've received a statement, but I've not yet received my goods.

If you have chosen Pay later, 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 [MERCHANT] to check on delivery. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment.

If you have chosen Pay later in 3, in the event that your goods have not been received please call Will Bees Bespoke 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.

I have cancelled my order. 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.

I have asked for a refund. How will I be refunded?

If you have chosen Pay later and paid for your order with 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.

If you have chosen Pay later in3, refunds shall be issued back to the debit or credit card which was originally entered at checkout.

I haven’t received an email with my statement/payment information.

If you do not have your statement number to hand you can log in at www.klarna.com/uk, where you will find all of your orders, be able to make payments and payment schedule information.

I still have questions regarding payment, how can I get in touch?

Visit Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.