Payment Plans

• Can I pay off my balance early?

  Klarna (US customers) - Yes, if you want to pay your entire order off early, simply login to your account on klarna.com or through the Klarna app, click the ‘Spending’ tab, choose the purchase you want to pay off, and then click “Pay off early”.

  PayBright (Canadian customers) - Yes, you are able to repay in full or in part at any time, with no penalty. To make an extra payment, you can log into your online account.
  

• How can I increase my chance of being accepted by Klarna?

  To give Klarna the best chance of accepting you for Pay Over Time or Buy Now, Pay Later, you should:

  • Use your full name
  • Ensure your billing address is accurate and up to date (this should be where your financial account is registered)
  • Ship your order to your billing address

  You are also welcome to contact Klarna support for more information regarding your application.

• Why have I not been offered Pay Later?

  Although Pay Later is widely promoted it is not always universally available. The Pay Later method is automatically generated by algorithms that are dependent upon a number of factors including the amount of the order, the e-store, previous order history, and item availability. Alternatively, you are able to complete your order by paying via credit or debit card at the checkout or by using Klarna's Pay Over Time option.

  

• Why have I only been accepted for a certain order value?

  This is the maximum amount of credit Klarna will offer you at this time. You are welcome to contact Klarna support for more information.

• Why wasn't my application accepted by Klarna?

  Klarna will do an instant screening process when you try to checkout, and if the user does not meet the requirements the transaction will be rejected. If you have any further questions regarding this, Klarna support will be able to assist you further as we do not know the logistics of why the transaction was denied.

  

• Does Klarna check my credit?

  No, Klarna does not run a credit check.

• Do I have to live in Canada to use PayBright?

  Yes, PayBright is currently only offered to our Canadian customers. If you live in the United States, please checkout with Klarna.

• Do I have to live in the United States to use Klarna?
  Yes, Klarna is currently only offered to our customers in the United States. If you live in Canada, please checkout with PayBright.
• How old do I have to be to use PayBright?
  PayBright will currently only accept applicants who are 18+.
• Is my personal information secure with PayBright?
  Yes, protecting your personal information is very important to PayBright. They encrypt sensitive data. They also maintain physical, electronic, and other safeguards to protect your information. PayBright does not sell your information to anyone. You can read their detailed Privacy Statement here.
• Can I prepay my outstanding balance with PayBright?

  Yes! PayBright payment plans are repayable in full or in part at any time, with no penalty. To make an extra payment, you can log in to your online account.

• How do I access my PayBright account?
  You can log in to the PayBright customer portal here. Your login details are in the confirmation email PayBright sent you when you first completed your transaction. If you can’t find your login details, please contact them.
• Does PayBright check my credit?
  Yes. When you apply, PayBright will conduct an instant credit check with a credit bureau in order to verify your identity and determine your eligibility for a payment plan. This will not affect your credit score.
• I want to select PayBright - what does APR mean?

  APR stands for Annual Percentage Rate. This does not apply to the payment option we have selected with PayBright. There are no hidden fees or interest. What you see at checkout is exactly what you pay.

• Does PayBright charge interest on their payment plan?

  No, PayBright does not charge any interest if you opt for them as a payment option at checkout. It's completely interest-free!

• What is PayBright?

  What is PayBright?

  PayBright is a financing option for our Canadian customers. PayBright allows you to break down the cost of your purchase into a series of four affordable bi-weekly installments.

  Do I have to live in Canada to use PayBright?

  Yes, PayBright is currently only offered to our Canadian customers. If you live in the United States, please checkout with Klarna.

  How old do I have to be to use PayBright?

  PayBright will currently only accept applicants who are 18+.

  Does PayBright charge interest on their payment plan?
  

  No, PayBright does not charge any interest if you opt for them as a payment option at checkout. It's completely interest-free!

  Can I pay off my balance early?
  

  Yes, you are able to repay in full or in part at any time, with no penalty. To make an extra payment, you can log into your online account.
  

  I want to select PayBright - what does APR mean?

  APR stands for Annual Percentage Rate. This does not apply to the payment option we have selected with PayBright. There are no hidden fees or interest. What you see at checkout is exactly what you

  How do I checkout with PayBright?

  PayBright is available during the payment process after you input your contact information, shipping address and select your shipping method. You will then be re-directed to complete your payment directly on PayBright's website.

  

  Does PayBright check my credit?

  Yes. When you apply, PayBright will conduct an instant credit check with a credit bureau in order to verify your identity and determine your eligibility for a payment plan. There is no impact on your credit score.

  Can I prepay my outstanding balance with PayBright?

  Yes! PayBright payment plans are repayable in full or in part at any time, with no penalty. To make an extra payment, you can log in to your online account.

  How do I access my PayBright account?

  You can log in to the PayBright customer portal here. Your login details are in the confirmation email PayBright sent you when you first completed your transaction. If you can’t find your login details, please contact them.
• How can I reach Klarna?

  You can reach Klarna anytime at https://www.klarna.com/us/customer-service/.

• Is there a fee to use Buy Now, Pay Later with Klarna?

  There is no fee to use Buy Now, Pay Later. If your invoice is not paid by the due date, you may be subject to a late fee.

• How does Buy Now, Pay Later work?

  If you’re eligible for pay later, your order will be delivered to you before you have to pay. Once your order has shipped, you’ll receive an email with instructions to pay. You’ll have up to 30 days to pay, depending on what was offered at checkout.

• How do automatic payments work with Klarna?

  If you have chosen Pay Over Time, 4 equal payments are collected bi-weekly from the card details you provide at purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at www.klarna.com/us.
  
  If you have chosen Buy Now, Pay Later, Klarna will send you an email with instructions on how to pay. You'll have up to 30 days to pay the full price of your purchase. You’re welcome to pay earlier than 30 days if you wish.

• How does Pay Over Time work?

  This option allows you to split your payments up into 4 bi-weekly payments. At the time of purchase, you are required to pay a quarter of the price upfront, and the remainder will be split into bi-weekly payments. No invoice or instructions sent - you can simply sit back, relax, and enjoy your purchase. You will be charged automatically every two weeks beginning at the time your order is shipped. All scheduled payments are communicated to you by email.

• What is Klarna?

  What is Klarna?

  Klarna is a leading alternative payment provider. Klarna’s vision is to make all payments ‘smoooth’, adding value for shoppers and retailers with unique payment options and superior customer experience. Klarna has 2,000 employees across 14 markets, and is leading the way for alternative payments by serving 60 million consumers and 100,000 merchants smoooth payment solutions. Learn more.

  Do I have to live in the United States to use Klarna?

  Yes, Klarna is currently only offered to our customers in the United States. If you live in Canada, please checkout with PayBright.

  Does Klarna charge interest?

  No, Klarna does not charge any interest if you opt for them as a payment option at checkout. If your payment is late, you may be subject to a late fee.

  How do I checkout with Klarna?

  Klarna is available during the payment process after you input your contact information, shipping address and select your shipping method. It will show as a payment method at the payment stage. Just choose the payment option that works best for you.

  You will then be redirected to complete your payment directly on Klarna's website. If you have chosen Buy Now, Pay Later, Klarna will send you an email with instructions on how to pay.

  

  How does Pay Over Time work?

  This option allows you to split your payments up into 4 bi-weekly payments. At the time of purchase, you are required to pay a quarter of the price upfront, and the remainder will be split into bi-weekly payments. No invoice or instructions sent - you can simply sit back, relax, and enjoy your purchase. You will be charged automatically every two weeks beginning at the time your order is shipped. All scheduled payments are communicated to you by email.

  How does Pay Later in 30 days work?

  You must be over the age of 18 to be eligible for Pay Later. This option allows you to pay in one lump sum 30 days after shipping. Your order will be delivered to you before you have to pay. Once your order has been shipped, you’ll receive an email with instructions to pay. You'll have up to 30 days to pay the full price of your purchase. You’re welcome to pay earlier than 30 days if you wish.
  

  Can I pay off my balance early?
  

  If you want to pay your entire order off early, simply login to your account on klarna.com or through the Klarna app, click the ‘Spending’ tab, choose the purchase you want to pay off, and then click “Pay off early”.

  Is there a fee to use Pay Later?

  There is no fee to use Pay Later. If your invoice is not paid by the due date, you may be subject to a late fee.

  What if I cancel or return my order?

  Once we have canceled your order and issued your refund, Klarna will cancel the statement and refund any payments that have been made. Whatever payments that are outstanding will be canceled.

  How will I be refunded?

  If you have paid for your order with a card, the refund will be made back to your original method of payment. If you have not paid the statement yet, then the refund will reduce the statement or cancel it completely. Your refund will then be processed within 14 days.

  Why have I not been offered Pay Later?

  

  Although Pay Later is widely promoted it is not always universally available. The Pay Later method is automatically generated by algorithms that are dependent upon a number of factors including the amount of the order, the e-store, previous order history, and item availability. Alternatively, you are able to complete your order by paying via credit or debit card at the checkout or by using Klarna's Pay Over Time option.

  Why wasn't my application accepted by Klarna?

  

  Klarna will do an instant screening process when you try to checkout, and if the user does not meet the requirements the transaction will be rejected. If you have any further questions regarding this, Klarna support will be able to assist you further as we do not know the logistics of why the transaction was denied.

  Why have I only been accepted for a certain order value?
  

  This is the maximum amount of credit Klarna will offer you at this time. You are welcome to contact Klarna support for more information.
  
  How can I increase my chance of being accepted?
  
  

  To give Klarna the best chance of accepting you for Pay Over Time or Buy Now, Pay Later, you should:

  • Use your full name
  • Ensure your billing address is accurate and up to date (this should be where your financial account is registered)
  • Ship your order to your billing address

  I still have questions, how can I reach Klarna?
  
  

  You can reach Klarna anytime at https://www.klarna.com/us/customer-service.