Klarna FAQ's

Who is Klarna?

Klarna is a third-party payment service that allows you to buy what you want or need now, spreading the cost over 30 days or 3 months (dependant on selected plan).

Klarna is currently used by over 150 million people actively around the world at over 450,000 online merchants, over 45 countries worldwide!

Klarna offers direct payments, pay after delivery options and instalment plans in a smooth one-click purchase experience that lets consumers pay when and how they prefer to.


Why use Klarna?

Spread the cost.

  • Effortlessly spread the cost of your order.

Klarna’s Pay in 3 Instalments and Pay in 30 days products are an alternative to traditional credit. It provides flexible payment options for you. No interest. No fees.(If paid on time)

  • Simple application with an instant decision.
  • Safe and secure – you’re covered through Klarna’s Buyer Protection policy.
  • Easily manage payments online or through the Klarna app.

Buy now, pay later.

  • Paying after delivery allows you to try before you buy. Complete the payment in full after purchase at no added cost. You can report returns directly in our app and only pay for the items that you keep.


Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status.T&Cs apply.

How does it work?

Here at Garden Trends we offer two Klarna payment options depending on the value of your purchase.

Pay in 30 days.

Garden Trends offer an unlimited order value on Buy Now, Pay in 30 days.

T&C’s (Subject to decision of maximum affordability from Klarna)


Pay in 3 Instalments.

Garden Trends offer Klarna’s Buy Now, Pay in 3 Instalments on order values between £30 and £1000.

T&C’s (Subject to decision of maximum affordability from Klarna)



When will Klarna begin taking my payments?

Pay Later in 30 days.

This option allows up to 30 days to make a payment on the goods you have ordered.

Klarna through their app allows you to make earlier payment/s to the total value to settle your amount; or at the end of the 30 days, you will be charged the full remaining balance with no interest!


Pay in 3 Instalments.

Klarna will freeze the first of your three instalments on your card at the time of purchase. This means you won’t be able to spend the money elsewhere. When Klarna have received confirmation that your items have been shipped or that your order has been processed, the first of your three payments will be automatically be deducted from your card. This will be visible on your card statement. If your items are not dispatched, Klarna will unfreeze or refund your money so that you can spend it again. Depending on the bank, this could take a few days.

The second payment will be made 30 days after the first, and the final payment will be made 60 days after the first. They will start charging your card when your payment is due, so you won’t have to pay them back manually or feel worried about missed payments.

The due dates for these payments will be emailed to you, and you will be able to monitor them in the Klarna app.

It is important that you complete your payment for your purchase no later than on the communicated due date. If you fail to pay on time, you will be in default, and may be unable to use Klarna’s services in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency.


Which bank cards does Klarna accept?

Klarna recognises and accepts all major Debit and Credit cards (Visa, Mastercard, Discover, Maestro, AMEX); prepaid cards are not accepted.

Please note Klarna may choose to refuse a currently valid card if it is due to expire close to, or during a potential credit agreement.


What occurs if my card is cancelled, or card information is adjusted?

You still need to pay any money you owe when Klarna request this even if your card is cancelled.

You must inform Klarna of any changes to your card information if they occur between the time you place your order and last payment, which you can do online. Please note it is possible Klarna will contact your bank for your details if you don’t provide them.

*Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status.T&Cs apply.


What if I decide to cancel my order?

Please view our to see our cancellation policy.

You can suspend payment if your next one or the cancelled order’s deadline is coming up by going into Klarna’s app, selecting the order, and tapping “Report a problem”.

As soon as we have acknowledged the cancellation or return, Klarna will amend your payments and refund any outstanding amounts. Please be aware that refunds could take at least 14 days.

Klarna will return any money they’ve already deducted from your card and cancel any unpaid invoices if you decide to cancel your order.

They will deduct the cost from your outstanding balance if you wish to return to part of your order. You will need to carry on making payments on their due dates once the total amount has been settled, because it won’t be recognised as a transaction.


When and how will my money be refunded?

Pay in 3 Instalments refunds are done in numerous ways. Your payment schedule’s current status, the amount you’ve paid, and whether we have issued a full or partial return are all relevant factors.

Full Refund

Klarna will stop accepting new transactions and credit the full amount on your original method of payment if you are eligible for a full refund.

Partial Refund

Klarna will first subtract the amount from your outstanding balance to start with if the amount of your partial refund is more than the outstanding balance on your order. The difference will then be refunded to the card you used to make your purchase.

Klarna will take the amount of the partial refund from the outstanding balance if it is less than the balance of your order. The leftover sum will then be divided equally among the following payments.


What happens if I don’t have enough money on my card for Klarna to take an instalment?

If Klarna can’t deduct the initial instalment from your card, they will notify you and attempt to do so up to two additional times. When they try again, they will let you know so you can put funds onto your card to make the payment.

After two tries, if Klarna can’t collect the money from you, they will add the missing payment to the next instalment. They will give you a few days to change your card information or make sure there is enough money on your card if they are unable to accept the second instalment.

If Klarna are still unable to accept payment after two further tries, they will transfer it over to the third and last instalment. They will make two more attempts if they still can’t accept the payment. If they are still unsuccessful, they can request that you pay the balance in full upfront or contact a debt collection firm to do the task on their behalf.

Before charging your card, Klarna will always contact you. If a payment is carried over to the subsequent due date or a debt collection service is required, they will also let you know.

*Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status.T&Cs apply.



How is my personal data and card information held by Klarna?

When you shop using Klarna, they will store your card details on their system, which will be used to authorise any future payments or new agreements you may choose to take out. If you choose not to, they may also use your data to pre-fill the information for your credit card when you make future purchases.

For the full details of how Klarna store your personal and card information, please see their: Privacy Policy



Will I be charged any interest or fees?
If you make your repayments on time, Klarna will not charge any interest or fees. Please note that late fees apply if you miss your repayments.


Who do I contact if I have questions about my Klarna invoice?
Please contact Klarna directly if your invoice is incorrect.


Do I still have consumer rights if I buy through Klarna?

However you purchase any of our products, you retain your full consumer rights under the Consumer Rights Act 2015.


The product I’ve purchased has a fault or has not arrived?

If your product develops a fault whilst the credit agreement with Klarna is active, please contact them through their website or their app and raise a dispute.

If your product develops a fault after the credit agreement with Klarna is settled, please contact us by emailing or calling: or 01183800381 respectively.

If your product does not arrive when you expect it to, please raise this with Klarna directly, if required they will direct you to us to resolve the issue.


If I paid in instalments, how do I get my refund?
Klarna will process your refund directly. Here's how refunds work for orders paid in instalments:

  • Full refund: if you return your order for a full refund, Klarna will refund any completed payments, and any remaining payments will be cancelled.
  • Partial refund: your refund amount is first applied to any remaining balance on your plan. If your refund is more than the remaining balance, you'll be refunded the difference. If it's less, the refund will be split across your remaining payments.




Garden Trends LTD (CRN: 09270274) is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna's Pay in 30 days and Pay in Three Instalments credit agreements are not regulated by the FCA. Late fees apply if you do not keep up your repayments. Must be over 18 years old, UK residents only. Credit subject to status. Terms and conditions apply.

Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply. Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.