Pay in 3 with 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. Over 90 million consumers worldwide have trusted Klarna to securely handle their
payments.

Klarna’s Pay in 3 instalments is a credit product that lets you spread the cost of your purchases over 3 equal payments. Klarna will take the payments from your debit or credit card directly so you don’t have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app.

You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 3 instalments. When you choose Klarna they will also check the information you provide and your financial situation.

Yes, you can. If you see Klarna Pay in 3 instalments when you go to an online checkout then Pay in 3 instalments is available to you. Every time you use Pay in 3, Klarna will check to see whether you can use Pay in 3 again for each additional purchase.

Klarna offers Pay in 3 instalments based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 3 instalments by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 3 instalments before does not mean it will be offered for every order. In turn, if your application for Pay in 3 instalments is denied, it does not mean it will be denied for future orders.

If you want to purchase something using Klarna’s Pay in 3 instalments, you’ll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they’ll use the phone number you’ve shared. For any other information Klarna need to share with you, they’ll send this to your email address.

When you use Pay in 3 instalments, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

Klarna will take your Pay in 3 instalments payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app.

Yes. Just go to the Klarna app or log onto Klarna.com/uk

Payment information is processed securely by Klarna. No card details are transferred to or held by The Beauty Academy. All transactions take place through connections secured with the latest industry standard security protocols.

Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

Fees may be incurred if you do not make payments on time.

Pay in 3 is a credit product and you are required to make your scheduled payments to Klarna. Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule. Klarna will send you multiple friendly reminders before payment is due so you can make sure you’ve got enough money to pay. If payment fails, you may be charged a late fee, subject to our T&Cs, see here.

If you don’t make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders’ credit products in the future. Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.

If you have not received your goods please contact The Beauty Academy to check on your order status. You can also contact Klarna’s Customer Service so that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait to receive your goods.

You are welcome to cancel your order by notifying us of your intention to cancel in writing within 14 days of booking, provided you have not already attended a classroom course or commenced any part of any online training e.g., activated your online student portal access within this time period. If you have attended your booked course(s) or activated your online course enrolment, your right to the 14 day ‘cooling off’ period to cancel immediately expires. When selecting your course dates, please schedule these no earlier than 14 days from today or this will effectively invalidate your cooling off period by opting to select and take training dates within the cooling off period. If you fail to attend a booked classroom course without giving notice in writing at least 72 hours prior to the booked date, this will be considered as a no-show and effectively count as if the booked course has been attended, expiring the cooling off period. Our team would then consider rescheduling of the course under our standard course rescheduling policy, subject to a rescheduling fee of £50 per day.

As soon as The Beauty Academy has confirmed with Klarna that your cancellation / return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. The refund will normally be processed within 5 business days.

Refunds will be issued back by Klarna to the debit or credit card which was originally used at checkout.

As soon as The Beauty Academy has registered your cancellation, the refund will be processed within 5 business days.

Once The Beauty Academy has received the return and Klarna have received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

Once The Beauty Academy has received the partial return / cancellation (subject to T&Cs regarding refunds and cooling off period); and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app.

You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

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