What is Klarna？
Klarna is online most rapidly growth payment supplier, it is frequently used by young age customer between 24 and 35years old. It is full name is Klarna Bank AB (publ). Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory 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. Klarna Bank AB offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Klarna Bank AB (publ) registered and head office: Sveavägen 46, 111 34 Stockholm, Sweden. A Swedish public limited company (publikt bankaktiebolag) registered with the Swedish Companies Registration Office with organisation number: 556737-0431.
What payment options you can have from Klarna?
- Pay later in 30days
Make your purchase today so you can own it before you pay.Only pay for what you keep.With no interest,no fee in 30days allowance to pay. No minimum purchase threshold for each transaction.
- Pay in 3installments
Aica works with Klarna and provide customer 3intallments payment option,minimum purchase threshold starts from £250 (including VAT),also, no interest, no fee, first installment payment date will be notified after checking out successfully.
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. Ts&Cs and late fees apply. please check on https://www.klarna.com/uk/terms-and-conditions/
Can't make payment to Klarna on time applies to late payment charge, Klarna may charge the following fees:
- Up to £12 if you do not make your payment on time (“Late Payment Fee”);
- £1.49 for each paper statement fee ("Paper Statement Fee");
- The reasonable cost of sending you a letter about your outstanding debt when you are in arrears (“Debt Collection Fee”).
Any fee which becomes payable under this Agreement will be added to the balance on the payment date following the month in which the fee became payable. We may start charging interest at the standard rate on Late Payment Fees and Debt Collection Fees on the 29th day after we have given you notice that the fee has become payable.
What information do you need to provide to use Klarna?
- Valid mobile phone number that you can access to
- Valid UK credit card or debit card in your name
- Valid UK address which can be verified
Klarna need these information to verify your credit status before accepting your application of using Klarna payment service.
Where you can see Klarna check out option on Aica website?
Aica payment procedure is from Add item to Cart, Fill customer information,Fill shipping address,Payment option,Review order,Pay
Customer can choose payment option(Klarna) in Payment.
