Buy Now, Pay Later in Three Easy Steps Please note Klarna is currently only available for our customers in the United States. Q: How do automatic payments work? A: The debit or credit card you entered on your Klarna account will be charged every other week. Don’t worry, you’ll be reminded by email before your card gets charged. Don’t forget, you can review your purchases and payment dates by logging into the Klarna app. Q: Is there a fee to use four interest-free installments? A: Nope! As long as your payments are received on time there are no additional fees. However, please review product terms and fees associated with late payments. Q: Will this affect my credit score? A: Simply put: No. When you choose Klarna as your payment method, they may perform a soft credit check; however, this type of check will not impact your credit score or show up as a hard inquiry on your credit report. Q: Which payment methods are accepted? A: Klarna accepts all major debit and credit cards (i.e., Mastercard, Visa, AMEX, and Discover). Sorry, but prepaid cards, including gift cards, are not accepted. Q: How do I know my information is safe? A: Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases. You have zero fraud liability with Klarna’s Buyer Protection policy. You can read through the complete terms here. Q: How can I reach a Klarna representative? A: Klarna recommends downloading their app to speak to a representative 24/7. Additionally, you can reach Klarna’s customer service anytime here. Don't see your questions above? Check out Klarna’s full FAQ page here.