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What 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 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.


Pay Later in 3 allows you 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 Neel Blue and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

As Easy As 1,2,3...


Klarna FAQs

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.


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

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

No, this is not currently possible for Pay in 3 purchases.

Once Neel Blue 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 returned a partial order, you’ll receive an adjusted payment schedule. With a full return, we shall refund any payments collected and cancel any future scheduled payments.

Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase 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.

As soon as Neel Blue has accepted your cancellation/return, Klarna will cancel any future scheduled payments, as well as refund any amounts due.

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