PAYMENTS

Klarna is a Swedish payment service provider that takes responsibility for users' payments. Klarna provides simplified payments for over 200,000 online merchants. To date, more than 85 million customers worldwide have trusted Klarna with their payments.

How does the “Pay in 3 interest-free installments” option work?

"Pay in 3 interest-free installments" allows you to split the cost of your purchase into three equal payments. Payments for each installment will be automatically charged to the debit or credit card you provided at checkout. The first installment will be charged when your order is confirmed by Buzzi Lario, and the second and third installments will be due 30 and 60 days later, respectively. You can always monitor your payment schedule in the Klarna app .

Who is eligible for the “Pay in 3 interest-free installments” option?

To use the “Pay in 3 interest-free installments” option, you must be at least 18 years old. Although the “Pay in 3 interest-free installments” option is widely advertised,
It is subject to your financial circumstances. If you choose to take advantage of the “Pay in 3 interest-free installments” option, our analysis will not affect your credit rating.

How can I increase my chances of being accepted for the “Pay in 3 interest-free installments” option?

Klarna is unique in offering the "Pay in 3 interest-free installments" option based on a number of factors, such as order value, order history, and item availability. If you are over 18, you can increase your chances of receiving the "Pay in 3 interest-free installments" option by ensuring you provide your full name and accurate address, as well as using your registered billing address for shipping. All orders are reviewed individually. Just because you have previously used the "Pay in 3 interest-free installments" option does not mean you will be offered it for every order; and, if the option is available to you, you may not be able to use it for every order.

If it has been denied previously, it does not mean it will be denied for all future orders.

What does the user have to provide when making a purchase?

If you wish to make a purchase with Klarna using the "Pay in 3 interest-free installments" option, you will need to provide your phone number, email address, current billing address, and a debit or credit card number. Your mobile phone number is required in case we need to contact you. All communications will be sent via email. It is very important that you provide us with accurate information, otherwise your payment schedule and any order updates may not arrive.

Will a credit search be performed on the user?

Klarna may perform so-called undocumented inquiries (or soft credit searches) that have no effect on your credit score and are only visible to you and Klarna, but are not visible to other lenders. Neither Klarna nor [MERCHANT] perform credit searches against you that could affect your credit score.

Why isn't the "Pay in 3 interest-free installments" option available to everyone?

Although the "Pay in 3 interest-free installments" option is widely advertised, it isn't always available to everyone. The "Pay in 3 interest-free installments" option is automatically generated by algorithms that depend on a number of factors, including the address, cardholder information, order total, and online store.
previous order history and item availability.

What payment options are available with Klarna?

Payments for installments using the "Pay in 3 interest-free installments" option will be automatically charged to the debit or credit card you provide at checkout. The first payment will be charged when your order is confirmed. The second and third installments will be charged 30 and 60 days after the first installment, respectively. You can always monitor your payment schedule in the Klarna app.

What happens if I cancel or return my order?

As soon as Buzzi Lario accepts the cancellation or return, Klarna will cancel any future scheduled payments and refund any amounts due. The return will be immediately visible in the Klarna app.

What happens if I don't pay for my order?

Klarna will attempt to charge your payment for "Pay in 3 Interest-Free Instalments" at Buzzi Lario to the debit or credit card you provided at checkout. If payment cannot be debited by the due date, Klarna will make a second attempt to automatically charge the payment two days later. If this attempt is unsuccessful, Klarna will issue a statement for the full outstanding amount, which will become payable 15 days later. Klarna will notify you of the payment's due date two days before attempting to collect it, and you can always monitor the due date in the Klarna app. If you fail to pay on time using the "Pay in 3 Interest-Free Instalments" option, your credit score will not be affected.

The user was asked to go to the Klarna website. Is this correct?

You can view all your Klarna purchases and payments schedule in the Klarna app or by logging in at Klarna.com/uk.

Are my payment details safe?

Payment data is processed securely by Klarna. No card data is transferred or retained by Buzzi Lario. All transactions are made using connections secured by the latest industry security protocols.

Is it possible to pay before the due date?

Yes. Simply go to the Klarna app or visit Klarna.com/uk and pay in advance.

Was the payment successful?

Klarna will send you an email and a push notification from the Klarna app when a payment is due and has been successfully collected, or in the unlikely event that the payment has not been successful. If a payment has been made but no payment confirmation has arrived, you can always check the status of your order and payments in the Klarna app or by visiting www.klarna.com/uk.

What happens to my bank statement after I return my goods?

Once Buzzi Lario receives the return (partial or full) and you have received confirmation of receipt, Klarna will send you a statement with an updated payment schedule in the case of a partial return. With a full return of the goods, we will refund all payments collected and cancel all future scheduled payments. You can always track the status of your order in the Klarna app.

The user has received the statement but has not yet received the goods.

If you haven't received your order yet, please call Buzzi Lario to check on the status of your order and delivery. You can also contact Klarna Customer Service so we can extend your payment due date or place your order on hold in the Klarna app until delivery.

The customer canceled their order. How long will it take for me to receive a refund?

Once the store has registered the cancellation or return, the refund will be processed within 5-7 business days.

The user requested a refund. How will this be done?

Refunds will be made to the debit or credit card originally provided at checkout.

The user has not received any email regarding his or her bank statement or payment information.

You can log in to the Klarna app or visit www.klarna.com/uk , where you can find all your orders and scheduled payment information.

How can I contact Klarna with further payment questions?

Please visit the Klarna app or the Klarna Customer Service page for a full list of frequently asked questions, contact telephone numbers, and live chat.

PRIVACY

In order to offer you Klarna's payment methods, we may transmit your personal data, such as contact information and order details, to Klarna at checkout so that Klarna can assess your suitability for their payment methods and personalize those payment methods. Your personal data transferred will be treated in accordance with Klarna 's privacy policy.