Shop Now, Pay Later with Klarna..

How does it work?  We answer your questions below.

Who is 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 85 million consumers worldwide have trusted Klarna to securely handle their payments.


How does Pay Later in 3 interest-free instalments work?  How do I pay?

Pay later in 3 interest-free instalments 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 Totally Tack and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.

Am I eligible for Pay Later in 3 interest-free instalments?  Will this effect my credit rating?

You must be at least 18 years if age and Klarna will run a soft credit-check to assess your eligibility.  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 Totally Tack run credit searches against you that could impact your credit rating.

The Pay later in 3 interest-free instalments 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 information do I need to provide when making a purchase?

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or card 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.

What happens if I cancel or return my order?

As soon as Totally Tack has accepted your cancellation/processed your return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

I have been redirected to the Klarna site, is this correct?

You can view all your purchases and payment schedules in the Klarna app or by logging into your account

Is my payment information safe?

Payment information is processed securely by Klarna using standard industry security protocols

Can I pay before the due date?

Yes, go the Klarna app or login into your Klarna account at Klarna.com/uk

Have you received my payment?

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been 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 in the Klarna app or by logging in at www.klarna.com/uk.

What happens to my statement balance when I have returned the order?

Once Totally Tack has received the return (partial or full) and you have received confirmation of your refund, 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. You are always able to monitor the status of your order in the Klarna app

What happens if I have not received my order?

Please contact Totally Tack as soon as possible so we can investigate this for you, 01373 228242 or sales@totally-tack.co.uk.  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 for the goods to arrive.


How long will it take to receive my refund?

Once the return or cancellation has been registered, please allow 5-7 business days.

How will I be refunded?

Refunds are issued back to the original debit or credit card used to make the initial payment

I haven't received my statement/payment information email

Please check your spam folder or alternatively you can log in to the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information

I still have questions regarding payments with Klarna, how do I contact you?

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



At Klarna, we want to provide a healthier, more sustainable way for our customers to shop and access credit. As part of our efforts to further encourage healthy spending habits, we’re introducing late fees for purchases made on or after the 16th March, 2023 using our BNPL payment methods in the UK.


What’s happening?

As of the 16th March, 2023, we’re introducing a late fee to our Pay in 3 and Pay in 30 days payment options. Customers will only be charged late fees if they have failed to pay after they have received multiple friendly reminders to encourage repayment, and after the set grace period has passed. More details on the fees’ structure will be outlined in our revised customer T&Cs.


Will this affect already ongoing payment plans with Klarna?

No, late fees will only apply to new purchases made with Klarna’s Pay in 3 and Pay in 30 days options on or after the 16th March, 2023.