Klarna & Clearpay FAQ

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 100 million consumers worldwide have trusted Klarna to securely handle their payments.

Klarna's Pay in 3 instalments is a credit option enabling you to divide your purchase cost into three equal payments. Klarna automatically deducts these payments from your debit or credit card, eliminating concerns about missing payments. The first payment is taken at the time of purchase, followed by the second instalment 30 days later, and the final payment 60 days after your purchase. You have access to view both past and upcoming payments at any time through the Klarna app.

If you've opted for Pay After Delivery (with either a 14 or 30-day grace period), Klarna will email you additional instructions for payment. Your email will include a link to Klarna's website, where you can complete your payment using your credit or debit card. Failure to settle with Klarna within the grace period may result in late fees.

Once Abaya Lounge has dispatched your order, you'll receive an email containing payment instructions, specifying the deadline for payment, usually within 14 or 30 days after the order has been shipped. If you don't have access to your email, you can reach out to Klarna's Customer Service for assistance.

To utilise Klarna's credit offerings, such as Pay in 3 instalments, you must be a UK resident and at least 18 years old. Klarna will also verify the information provided and assess your financial status upon selection.

To make a purchase with Klarna's Pay in 3 instalments, you'll be required to provide your phone number, email address, current billing address, and credit or debit card information. Klarna will use the provided phone number for urgent communication, and any other necessary information will be sent to your email address.

While Pay After Delivery is frequently advertised, its availability may vary. This payment option is algorithmically determined based on factors such as order amount, the online store, previous order history, and item availability. Alternatively, you can finalise your order by paying with a credit or debit card at the checkout.

Klarna securely processes payment information. Abaya Lounge does not receive or store any card details. All transactions occur via connections protected by the latest industry-standard security protocols.

Neither Klarna nor Abaya Lounge perform credit checks that could affect your credit rating. Klarna may conduct a quotation search, which is an inquiry visible only to you and other companies, and does not impact credit scoring.

Once Abaya Lounge has approved your cancellation or return, Klarna will promptly cancel any upcoming scheduled payments and issue refunds for any owed amounts.

Failure to make payments may result in arrears, as Pay in 3 operates as a credit product. Klarna might subsequently report missed payments to credit reference agencies. Consequently, you could encounter challenges or increased costs when applying for Klarna or other lenders' credit products in the future.

Yes. Just go to the Klarna app or log onto Klarna.com/uk.

If your Pay After Delivery payment due date is approaching, please reach out to our Customer Service team. They will assist with any required adjustments to your statement and offer additional support if necessary.

Once Abaya Lounge has completed the return process, whether partial or full, and you have received confirmation from them, Klarna will send you an updated statement with a revised payment schedule in the case of a partial return. In the event of a full return, we will refund any collected payments and cancel any future scheduled payments.

Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options. Klarna’s Pay in 3 instalments 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.

Clearpay provides a payment solution where customers can access a set credit amount to buy items immediately and repay them in four equal instalments every two weeks, without incurring interest (though late fees may apply). It's important to use Clearpay responsibly.

Simply browse Merchant Site and proceed with your usual checkout process. When prompted to choose a payment method, select Clearpay. You'll then be redirected to the Clearpay website to sign up and input your payment information (Visa, Mastercard, or Amex). If you're a returning Clearpay user, simply log in to your account. After that, finalise your order!

Clearpay is exclusively offered to UK residents aged 18 and above (excluding Channel Islands) who have a UK billing address. Individuals with international billing addresses are ineligible to utilise Clearpay or establish a Clearpay account. Additional eligibility requirements are outlined in the Clearpay Terms of Service; please refer to them for more information.

Clearpay divides the total cost of your order into four instalments, payable every two weeks. Prior to confirming your purchase, you'll see the specific amounts and dates, which you must agree to. If you wish to submit extra payments ahead of schedule, you can log in to your Clearpay account to do so, and Clearpay will adjust the remaining balance accordingly. Feel free to access your Clearpay account at any time to review your payment schedule or to make payments before the next due date.

If you encounter difficulty making a payment, please reach out to Clearpay as soon as possible. Upon missing a payment, Clearpay will promptly suspend further purchases using their service. You'll have until 11pm the following day to submit your repayment; failure to do so will result in a £6 initial late fee, with an additional £6 charge if the payment remains outstanding after 7 days. For orders under £24, the total late fee will be £6, while for orders £24 and above, late fees will not exceed 25% of the total order value or £24, whichever is lower. Unsettled Clearpay debts may be transferred to a debt collection agency, potentially affecting your future use of Clearpay. We urge you to responsibly manage your Clearpay usage. Refer to the Clearpay Terms of Service for more information.

Clearpay purchases are delivered within the same standard delivery timeframes as any order made through Abaya Lounge.

Certainly! Your total order value, including shipping costs, must fall between the Abaya Lounge Minimum Order and £1000 to utilise Clearpay. However, your maximum order value could be reduced based on variables such as being a new customer or your payment track record.

Items bought using Clearpay adhere to our typical return procedure. It's important to remember that refunds for Clearpay transactions will be issued from Abaya Lounge Site to Clearpay. Unfortunately, we cannot offer exchanges or cash refunds. Once the refund is initiated, any pending payments to Clearpay will be annulled, and any payments already made will be reimbursed to the original payment card. Please be aware that until the merchant confirms receipt of returned items, you are responsible for continuing your payments to Clearpay. You can access further information by signing in to your Clearpay account.

Please visit the Clearpay website h​ere ​for a comprehensive list of FAQs, Clearpay Terms of Service and Privacy Policy.