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

Pay later in 3 interest-free instalments is a form of credit which allows you to spread the cost of your purchase over 3 equal payments (when you spend £30 or more). 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 National Merchandise.

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

Pay later in 30 days is a form of credit which allows you to delay payment of your purchase by 30 days. Once your order is confirmed,you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to try on your order and onlypay when you’re happy. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card inKlarna.app or by logging into www.klarna.com/uk.

To use Pay later in 30 days you must be at least 18. Whilst this option is widely promoted, Pay later in 30 days is subject to your financial circumstances. When choosing Pay later in 30 days, our assessment will not affect your credit rating.

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phonenumber, 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 notreceive your payment schedule and any updated order information.

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 National Merchandise run credit searches against you that could impact your credit rating.

As soon as National Merchandise have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refundany amounts due. The return will be reflected in the Klarna app immediately.

Payment information is processed securely by Klarna. No card details are transferred to or held by National Merchandise. All transactions takeplace via connections secured with the latest industry standard security protocols.

Yes. Just go to the Klarna app or log ontoKlarna.com/ukand pay off early.

As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days.

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