How does Klarna work?

Klarna is a swdish payment service provider that assumes the responsabilities of the users payments. Klarna is a provider of simplified payments for more than 200.000 shops online. Until now more than 85 millions of clients all over the world have entrusted Klarna for their payments.

How does the option “Pay in 3 installments without interest?" work?"

"Pay in 3 installments without interest" allows you to delay the cost of your purchase in 3 equal payments. Payments for each instalment will be automatically charged to the debit or credit card indicated at the time of payment. The first instalment will be charged when the order is confirmed by Caleffi 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 entitled to the option "Pay in 3 installments without interest?"

To use the option "Pay in 3 interest-free installments" you must be at least 18 years old. Although the option "Pay in 3 interest-free instalments"" is widely advertised,
is subject to the financial circumstances of the user. By choosing the "Pay in 3 interest-free instalments" option", our analysis will not affect your credit rating.

How can you increase the chances of being accepted for the option "Pay in 3 installments without interest"?

Klarna is unique and offers the option "Pay in 3 interest-free installments"" based on a number of factors such as order value, order history and availability of the item. If you are over the age of 18, you can increase your chances of using the "Pay in 3 interest-free installments"" option by making sure you provide your full name and an accurate address, as well as using your registered billing address for shipping. All orders are examined individually. Just because the user has used the option "Pay in 3 installments without interest" previously does not mean that he will be offered to use it for each order; and, if the option the

has been denied previously, does not mean it will be so for all future orders.

What should the user provide when making a purchase?

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

Will a credit search be carried out against the user? 

Klarna can make the so-called undocumented requests (or soft credit searches) that have no effect on the credit score and are visible only to the user and Klarna, but are not visible to other credit institutions. Neither Klarna nor Caleffi carry out credit searches against the user that might influence his credit score.

Why is the option "Pay in 3 interest-free installments" not accessible to everyone? 

Although the option "Pay in 3 interest-free installments" is widely advertised, it is not always available to anyone. The option "Pay in 3 interest-free installments" is automatically generated by algorithms that depend on a number of factors that include address, card holder data, total order, online store,
the history of previous orders and the availability of the article.

What payment options are available with Klarna? 

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

What happens if you cancel or return your order? 

Non appena Caleffi accetterà la cancellazione o il reso, Klarna cancellerà qualsiasi futuro pagamento in programma rimborsando inoltre qualsiasi importo dovuto. Il reso sarà immediatamente visibile nell’app di Klarna.

What happens if you don’t pay for the order? 

Klarna will try to charge the payment for the installments of "Pay in 3 installments without interest" at Caleffi on the debit or credit card indicated at the time of payment. If it not be possible to charge the payment on the due date, Klarna will make a second attempt to automatically charge the payment two days later. If this attempt fail, Klarna will issue a statement of account for the entire outstanding amount that will become payable 15 days later. Klarna will notify the payment deadline two days before attempting to collect it and it will always be possible to monitor the expiry date in the Klarna application. If you do not pay by time using the option "Pay in 3 interest-free installments", the credit score will not be affected.

The user was asked to go to the Klarna site. Is this correct? 

You can view all purchases and the Klarna payment program in the Klarna app or by logging into Klarna.com/uk.

Is your payment information secure? 

Payment details are processed by Klarna in safety. No card details are transferred or retained by Caleffi. All transactions are made with connections secured by the industry’s latest security protocols.

Is it possible to pay before the expiry date? 

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

Did the payment go well? 

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 cashed, or in the unlikely event that the payment has not been successful. If a payment has been made but no confirmation of payment has been received, it will always be possible to check the status of the order and payments in the Klarna app or by accessing the website www.klarna.com/uk

What happens to the account statement of the user after the return of the goods? 

Once Caleffi has received the return (partial or total) and the user has received the confirmation of receipt, Klarna will send an account statement with an updated payment plan in case of a partial return. With a full return of the goods, we will refund all cashed payments and cancel all future scheduled payments. You can always monitor the status of your order in the Klarna app.

The user has received the statement of account but has not yet received the goods.

In the event that the goods have not yet been received, call Caleffi to check the status of the order and its delivery. You can also contact Klarna Customer Service so that we can postpone the expiry date of the payment or put the order pending in the Klarna app pending delivery.