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 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

• Use your own valid debit or credit card to pay (no prepaid cards).
• You must be 18 years old and capable of entering into a legally binding contract.
• The first payment is charged when the merchant confirms your order (usually the shipping date), the next 3 payments are automatically charged every 2 weeks after that.
• There are no interest charges with Pay later in 4 instalments, and no fees when you follow your automatic payment schedule. If you are delayed in making a payment, Klarna may charge late fees. Any missed instalments, including any added late fees, will be rolled over to the next scheduled Due Date.
• You can pay via credit or debit card at www.klarna.com/au

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

Klarna is unique and offers Pay later based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have had Pay later before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

Although Pay later is widely promoted it is not always universally available. The Pay later method is automatically generated by algorithms that are dependent upon a number of factors including amount of order, the online store, previous order history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at the checkout.

If you want to make a purchase with Klarna, you'll need to provide your mobile phone number and your email address. The mobile number is required in case we need to reach you. All statements will be sent to your email address. It's very important that you provide the correct details, as otherwise you will not receive the payment information and so will be liable for delayed payment fees.

Yes. As a responsible lender, Klarna wants to make sure they're helping their customers make the right financial decisions for their circumstances. Klarna performs a credit check when you first create a one-time card in the shopping app or the first time you pay a seller with Klarna through their site. They may perform other credit checks for future purchases you make to keep their commitment to lending responsibly. The check is completed by a third party, Illion. This check will be visible on your credit report but will not impact your credit score. A positive repayment record with Klarna will help ensure your ongoing ability to check out with Klarna in the future. These checks are performed in accordance with Klarna’s Terms & Conditions, which you agree to when you create an account with Klarna.

Klarna may also report information about your order to credit reporting agencies. Late payments, missed payments, or other defaults on your purchase may be reflected in your credit report and could impact your credit score.

If you are offered to Pay later in 4 instalments, you have the option to pay for your purchase with a credit or debit card in four (4) payments. You will make your payments directly to Klarna using your card. There is no cost to use this service, however the issuer of your card may charge interest or other fees under the terms of your card agreement. It is at our discretion whether you can pay with this Payment Option.

When using Pay later in 4 instalments, your Initial Payment will be charged once your order is confirmed by the merchant. This typically occurs when the merchant ships the goods but could also happen at the time of order placement. Three (3) subsequent Instalment Payments will be due every 14 days after the first payment is charged to your card. Future payments are automatically charged to your card on the Due Date.

As soon as Skin Virtue  have accepted your cancellation/return, then Klarna will cancel the statement or refund your payment.

To help you pay on time, Klarna will alert you two days before payment is due – you'll receive email reminders to pay – and, if very late, Klarna will also send you a text or letter, too. If you fail to pay Klarna for your order, your credit score will be affected.

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

If you have chosen to Pay later, Klarna will send you an email with further details on how to pay. Your email will contain a link to Klarna where you can settle your payment with your credit or debit card.

You can pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on this email to pay for your order.

If you pay by card, Skin Virtue will confirm your order right away. If paying by Pay Later, Klarna will send you a payment confirmation to the email address that you have used for your order. If you have made a payment but not received payment confirmation, you can always check the status of your order and payments by logging in atwww.klarna.com/au

Once Skin Virtue has received the return (partial or full) and you have received their confirmation of this, an updated statement will be sent to you by Klarna if you've made a partial return. With a full return, your statement will be closed.

If your due date is near and there is no sign of your goods, please contact Skin Virtue to check on delivery. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment.

As soon as Skin Virtue has registered your cancellation or your return, the refund will be processed within 5-10 business days.

If you have paid for your order with card, the refund will be made back to the same card. If you have not paid the statement yet, then the refund will reduce the statement or cancel it completely.

Visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options.
https://www.klarna.com/au/