Founded in Stockholm, Sweden, Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider.

Klarna’s vision is to make shopping smooth, adding value for consumers and retailers with unique payment options and superior customer experience.

Klarna has strong anti-fraud controls in place to protect customers and prevent fraudsters from making unauthorised purchases.

Pay later in 30 days is a credit product which lets you pay any time within 30 days of your purchase without interest or fees. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna/com/uk

Don’t like to wait? Just pay it all at once.

Split your purchase into three payments so you can spread the cost of your purchase over time. Enter the credit or debit card details of your choice and make automatic payments every 30 days.

Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app. No interest or fees.

When you use Pay Now, Pay in 30 days or Pay in 3 instalments, Klarna will perform a soft credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase. This search is not a full credit check and it will not affect your credit rating or be visible to others.

Klarna offers to Pay Now, Pay in 30 days or Pay in 3 instalments based on a number of factors such as the purchase amount, and previous order history. If you are 18 or over, you can improve your chances of being offered Pay now, Pay in 30 days or Pay in 3 instalments by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay Now, Pay in 30 days or Pay in 3 instalments before does not mean it will be offered for every order. In turn, if your application is denied, it does not mean it will be denied for future orders.

If you want to purchase something using Klarna’s Pay Now, Pay in 30 days or Pay in 3 instalments, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna needs to talk to you urgently they'll use the phone number you've shared. For any other information, Klarna need to share with you, they'll send this to your email address.

If you choose to pay for your order using Pay Now, Pay in 30 days or Pay in 3 instalments, Klarna will send you an email showing you how to pay. The email will have a link you can use to make this payment using your credit or debit card.

Yes. Just go to the Klarna app or log onto www.klarna.com/uk.

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

Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

As soon as Wickes has confirmed with Klarna that your cancellation/return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due.

Klarna refunds are processed through our Customer Service team which can be initiated using our contact form - https://www.wickes.co.uk/contactus. All Klarna refunds must be collected via our courier (which will be collected at our cost) and cannot be left in store. This is to ensure you will be correctly refunded to your Klarna account, as the original payment method.

Klarna refunds must be carried out at the same Wickes store where the order was collected from. This is to ensure you will be correctly refunded to your Klarna account, as the original payment method. When returning your purchase, please present your order confirmation email as proof of purchase.

As pay later is a credit product, if you don't pay for your order Klarna may use a debt collection agency. Klarna may also report the missed payment to credit reference agencies. This means you may find it more expensive or difficult to get credit in the future.

If you don't make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.

At the moment Klarna can only be used online and our Apps.

Klarna payments are available on selected items only. All products that feature the Klarna logo on the product details page are available through Klarna.

Please go to our https://www.wickes.co.uk/returnsandrefunds

Please go to klarna.com/uk/terms-and-conditions

Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). Please use Clearpay responsibly.

The service is provided by Clearpay Finance Ltd. Clearpay Plans are not regulated by the Financial Conduct Authority.

Clearpay can be used online and in-store. To transact online, just shop on wickes.co.uk a​nd check out as normal. At checkout, choose the Clearpay payment method. You will be directed to the Clearpay website to register and provide payment details (Visa, Mastercard or Amex).

If you’ve used Clearpay before, just log in to your Clearpay account. Then complete your order!

To use Clearpay in-store, simply download the Clearpay mobile app, set up the Clearpay Card, and use the Clearpay Card with Apple Pay or Google Pay to make a contactless payment at check out. You will repay us the amount in 4 instalments.

Take a look at the ClearPay Shop Directory to check out our amazing partners where you can use Clearpay.

Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address.

Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account.

Other eligibility criteria apply. See Clearpay Terms of Service for further details.

Clearpay will split the total value of your order into 4 instalments payable every fortnight. When transacting online the exact amounts and dates will be displayed for you to agree to before you confirm your purchase. For instore purchases you will receive your payment summary once you have successfully transacted.

If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.

You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.

If you cannot make a payment, please contact Clearpay here.

As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.

Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £24, whichever is less.

Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in the future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.

Clearpay orders are delivered within our standard delivery timeframes like any order from Wickes.

Yes, your order value including shipping must be between £1 and £1,500 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.

At this time, it’s only possible to pay for your order with a single payment method when shopping on wickes.co.uk.

Clearpay purchases follow the Wickes standard return policy for both in-store and online transactions. Check with the Wickes standard return policy to make sure your purchase is eligible for return.

Please note, refunds for Clearpay purchases will be refunded from Merchant Site ​to Clearpay. We cannot provide an exchange or cash refund.

When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay.

You can view the details by logging in to your Clearpay account. For more information on refunds, please visit Clearpay’s FAQ page.

Visit the Clearpay website ​for a comprehensive list of FAQs, Clearpay Terms of Service, and Privacy Policy​.