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Paying with Klarna

With Klarna, you can pay for your items in equal monthly instalments, or pay the full amount at the end of 30 days.

Klarna Pay in 3

With Klarna Pay in 3, you have the option of paying for your eBay purchase in 3 equal monthly instalments.

The first payment is due one month after placing your order, and all payments are automatically collected monthly from your bank account linked to Klarna.

When financing purchases over £200 you sign an instalment purchase contract via an online form with Klarna.

How to pay with Klarna Pay in 3

If Klarna Pay in 3 is available as a payment option, then it will be shown at checkout.

  1. Select Klarna Instalment Purchase as your payment method and confirm by selecting Pay with Klarna. You’ll then be redirected to Klarna.
  2. You have the option to select your monthly instalments and the period. The debit interest rate for your selected instalment payment will also be displayed.
  3. Now enter your personal details.
    • You may be asked for your date of birth
    • For orders of £200 or more, Klarna will ask you to sign a contract for an instalment purchase via an online form. To do this, simply follow the instructions on your screen and answer the questions displayed. Klarna will also ask you to enter your bank details during this process
  4. Confirm your instalment plan and terms.
  5. After you've confirmed the payment, you'll be redirected to eBay.

When can I pay with Klarna Pay in 3?

If Klarna is available, you’ll see it as a payment option at checkout.

For example, Klarna isn’t available in the following cases:
  • The total amount of your order is more than £2000
  • You chose a delivery address in a country where Klarna isn’t available
  • Your order contains items from excluded categories
  • Items in your order have different delivery methods (for example, one with pick-up and one with express delivery)
  • You are using an older version of the eBay app
Excluded categories:

Klarna isn’t available as a payment option in a few categories, for example:

  • Family Planning & Eroticism
  • Magazines
  • Coins & Paper money
  • Real Estate
  • NFTs
  • Machetes
  • Gift Cards

Klarna Financing

Klarna Financing allows you to pay in 6, 12, 24 or 36 monthly instalments. You’ll see the option to pay over time at checkout, and you must make each payment by the due date. You can also repay all or part of the credit at any time at no extra cost.

How to pay with Klarna Financing

  1. Add the item to your basket and select Instalments at checkout.
  2. You’ll be asked to provide information about yourself to check your eligibility.

Once approved, your payment plan will be created and your eBay order will be automatically placed. It’s a short application and you won't have to leave eBay.

To be eligible for Klarna Financing you must be at least 18 years old and a UK resident. Your application is subject to Klarna's review and your financial circumstances. Klarna will do a full credit check when you apply for Klarna Financing.

Klarna Financing options are credit plans with repayment terms ranging between 6 and 36 months. Interest rates will vary, depending on the credit agreement, but will be clearly displayed at checkout. Monthly instalments are collected automatically from your bank account via direct debit. It’s important to ensure you have enough funds in your account to cover the repayment on your due date each month.

eBay (UK) Limited is an appointed representative of eBay Commerce UK Ltd (of Hotham House, 1 Heron Sq, Richmond upon Thames, Greater London, TW9 1EJ) which is authorised and regulated by the Financial Conduct Authority (Firm reference number: 968972). eBay (UK) Limited acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Financial Services UK Limited. Please note that Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs and late fees apply. Klarna Terms and Conditions - opens in new window or tab. Late or missing repayments may have serious consequences for you and cause you serious money problems.

Pay in 30 days

Klarna Pay in 30 days is available for most items with a total value of up to £600 per order. You have up to 30 days from the date of purchase to pay for your purchase at no additional cost. You won’t pay anything upfront and you won’t be charged interest when you pay the full amount within 30 days.

If Klarna Pay in 30 days is available for your purchase, it will be displayed as a payment option during checkout.

  1. During the checkout process, select Klarna Pay in 30 Days as your payment method and confirm your selection by selecting Pay with Klarna. You will now be redirected to Klarna.
    • You may be asked for your date of birth.
  2. Check your order and shipping details.
  3. After you confirm the payment, you will be automatically redirected to eBay.

You’ll promptly receive an email from Klarna with details of your order and invoice information. You generally have 30 days from the date of purchase to pay the purchase amount. All your payment information, such as invoice number and bank details, is provided in the Klarna invoice email and is always visible in the Klarna app.

Klarna Pay in 30 days isn’t available in the following cases:

  • The total amount of your order is more than £600
  • You have chosen a delivery address outside the UK
  • Your order contains items from excluded categories
  • Items in your order have different delivery methods (for example, one with pickup and one with express delivery)
  • You are using an older version of the eBay app

Excluded categories

Klarna Pay in 30 days isn’t available in a few categories, for example in certain categories or subcategories:

  • Family planning & eroticism
  • Magazines
  • Coins and paper money
  • Property
  • NFTs
  • Machetes
  • Vouchers

 

Tip
For more information, visit Klarna’s customer service - opens in new window or tab, contact them via live chat, download the Klarna app, or call them on 0808 189 3333.

 

Repayments and interest on overdue payments

The first payment to Klarna is due one month after the order, and subsequent payments are automatically debited monthly from your bank account linked to Klarna. You can view your payments by logging into your Klarna account.

Late payment fees

If you don’t pay your instalments on time, you may incur late payment fees. Please go to the Klarna website for more information on reminder or late payment fees.

Refunds

If you receive a refund for your eBay purchase (e.g. because you returned an item), Klarna will refund the amount to your bank account and/or adjust your payment plan accordingly. This usually takes 5-7 business days.

Full refund

Klarna will refund the instalments you already paid and your payment plan will be cancelled. For example, if your purchase value is £100 and you have paid £50 so far, Klarna will refund you £50 and will not require any further payments.

Partial refund

Depending on the amount of the refund and the number of instalments you’ve already paid, Klarna can either refund you the amount and cancel your repayment plan, or adjust your repayment plan to the reduced purchase amount.

For example, if the purchase value of your order was £100 and you receive a partial refund of £30, your total amount to pay to Klarna will now be £70.

  • If you previously paid £50.00, you will not receive a refund from Klarna. Instead, you'll only have to pay £20
  • If you previously paid £75.00, Klarna will refund you £5 and won't take any further payments
 

Once a refund has been initiated on eBay, you'll receive an email from Klarna with details of your refund or changes to your payment plan. For more information on how to refund your bank account or your new payment plan please visit Klarna's website.

For more information about refunds on eBay, please go to Returning an item for a refund.

Troubleshooting when paying with Klarna

If you have problems in the checkout process when paying with Klarna instalments, please check the following:

  • Is your order eligible for Klarna instalments?
    Klarna isn't available for all items on eBay.co.uk (see excluded categories). You may need to choose another payment method to complete your purchase
  • If Klarna is greyed out, your order may not be eligible to be funded using Klarna for some of the following reasons:
    • Delivery address is outside of the UK
    • Your cart may contain items from more than 1 seller
    • Your cart contains items from an excluded category
  • Have you entered your bank account details correctly?
    If you want to pay with Klarna instalments, you'll need to enter your payment information during the checkout process. Please make sure that you have entered your bank account details and personal information correctly

Why was my Klarna order declined?

There are several reasons why Klarna may decline the selected payment method. Here are some examples:

  • Bank details provided couldn't be verified
  • Identity verification failed
  • There's a delay in payment from another order
  • Klarna credit check failure

You can find more information about why your order was declined on Klarna's help page.

You can also pay for your order with another payment method, e.g. a credit card. Simply change the payment method in the checkout process.

Klarna is available for many items on eBay with a total value of up to £2,000 per order in most categories.

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