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Klarna FAQ



Why should you use it..

  • You can spread the cost over 3 equal payments
  • It won't affect your credit rating
  • Also No interest, no fees!

How to use it

  1. Find something you want to buy from our store*. Add it to your basket and head to the checkout.
  2. Make sure you have sufficient funds available on your credit or debit card for the first payment at the time of ordering
  3. Select 'Pay in 3' at the checkout
  4. Place your order and this will be dispatched as normal
  5. Pay in 3 equal payments. The first payment will be taken when you place the order, the second will be taken 30 days later & the third 60 days from the date that the order was made.

Qualify for Pay in 3.

  • You must be 18 years or over
  • You must hold:
    A Valid mobile number and email address
    A UK residential address
    A UK bank account with good credit history
    A credit/debit card to be valid for 60 days from purchase date
  • *The minimum spend is £100



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 70,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Slice it in 3 work?

Slice it in 3 will allow you to spread the cost of your purchase over 3 equal payments. The payment for each installment will automatically be collected from the debit or credit card you entered at checkout. Your first installment will be collected when your order is confirmed by P&Co and installments 2 and 3 are scheduled 30 and 60 days later, respectively.

Am I eligible for Slice it in 3?

To use Slice it in 3 you must be at least 18. The card used to at the point of purchase needs to have an expiry date beyond the order period. Whilst this option is widely promoted, Slice it in 3 is subject to your financial circumstances. When choosing to Slice it in 3, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Slice it in 3?

Klarna is unique and offers Slice it 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 Slice it 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.

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

If you want to make a purchase with Klarna using Slice it in 3, you'll need to provide your mobile phone number, email address, current billing address, and a debit or card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise, you will not receive your payment schedule and any updated order information.

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 P&Co runs credit searches against you that could impact your credit rating.

Why have I not been offered to Slice it in 3?

Although Slice it in 3 is widely promoted it is not always universally available. The Slice it in 3 payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history, and item availability.

What are my payment options with Klarna?

Payment for your Slice it 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 installments are collected 30 and 60 days, respectively, after the first installment.

What happens if I cancel or return my order?

As soon as P&Co 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?

Klarna will automatically attempt to collect your payment for your Slice it in 3 purchase at P&Co 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?

Yes, this is correct, 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, email address, and mobile phone number. For some orders, you may need to provide your 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 P&Co. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?

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

Have you received my payment?

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 www.klarna.com/uk.

What happens to my statement when I return the goods?

Once P&Co 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?

In the event that your goods have not been received please email Hello@pand.co 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 canceled 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?

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?

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

I still have questions regarding payment and the process, how can i get in touch?

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

How do I pay after the 1st amount?

You can pay for your purchases or check statements when logging in to your Klarna account. Payment information is processed securely by Klarna. All transactions take place via secure connections, protected with the latest industry standard security protocols.

Payments cannot be made by telephone or bank transfer."

My email address is wrong, what do I do?

If you visit Klarna.co/uk you're able to chat with their customer service agents between 9 am and 6 pm Monday to Saturday and request your contact details be updated, you will be asked to provide some information if you have received a statement by post.

Exchanging for a different item?

If you would like to exchange for a different item, the item you're exchanging is required to be the same value as the item you're exchanging for. If not we will have to cancel the payment and you'll be required to order again for the correct item.

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