Table of Contents
1. Intro to Klarna
2. Payment Options
3. Klarna General FAQ
4. Klarna FAQ for Financing
1. Intro to Klarna
1.1. Shop now, pay later with Klarna.

Platform has partnered with Klarna to give you a better shopping experience when you buy art online.

1.2. It’s smooth and simple.

Klarna helps you elevate your shopping game. When you choose Klarna at checkout on Platform, you’ll get the option to buy art online now and pay later for your purchase. It's shopping the way it should be. Effortless, safe and fun.

1.3. The best way to shop.

See all of your purchases in one place, pay any open balances and much more in the Klarna app. You can also log into your Klarna account at https://app.klarna.com/login. If you need any help, Klarna’s Customer Service is there for you.

1.4. Safe and secure.

Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases.

1.5. How to shop with Klarna

  1. Add item(s) to your cart and head to the checkout.
  2. Select Klarna at the checkout to pay as you like for your art purchase.
  3. Manage your orders and payments in the Klarna app.
1.6. About Klarna

We’re on a mission to reshape shopping, by elevating the entire shopping experience from browsing to owning. We do this by giving you the benefits of convenience, perks and inspiration.

Founded in Stockholm, Sweden, Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. We have 3,500 employees across 17 countries, and are leading the way for alternative payments by serving 90 million consumers and 200,000 retailer’s payment solutions.

https://www.klarna.com/international/about-us/

2. Payment Options
2.1. 4 interest-free payments

Split your purchase into 4 payments so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every two weeks. No interest or added fees when you pay on time.

2.2. Monthly financing

Apply for easy monthly financing directly in the checkout. A simple, 2-step application will provide an instant approval decision. With no hard credit check there is no impact to your credit! Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna app. No hidden fees when you pay on time. Monthly financing products are issued by WebBank, member FDIC.

3. Klarna General FAQ
3.1. What is Klarna?

Klarna is an alternate payment method that allows you to split your purchase into 4 interest-free payments. To use Klarna to pay for your purchase, choose Klarna in the checkout. Your purchase will be split into 4 interest-free payments. The first payment will be taken from your credit or debit card when your order is shipped. The remaining three payments will be automatically charged to your card 14, 28, and 42 days later.

3.2. How do I sign up?

If your basket is eligible for 4 interest-free payments with Klarna, you will be able to select Klarna as a payment method during checkout. After your order is shipped, you will be charged for the first quarter of the total amount. Klarna will send a notification once the payment has been processed. You will be informed ahead of time before the next payments.

3.3. What are the conditions to sign up?

To sign up, you will need :

  1. A US-issued debit or credit card
  2. To be 18 years of age or over
  3. An SMS-capable phone number
  4. A US residential address
3.4. Has Klarna received my payment?

You can live chat with Klarna’s customer service agents 24/7 to confirm payment.

3.5. Which payment methods are accepted?

Klarna currently accepts most debit and credit cards (i.e., Mastercard, Visa, Discover). Please note, prepaid cards are not accepted.

3.6. Will I still be charged if my order is cancelled?

Cancellations are subject to our cancellation policy. To cancel your order, please contact us. Once we have confirmed the cancellation, Klarna will update your payments accordingly and you can check the status of your payments anytime via Klarna’s site or in your Klarna app. Refund processing times vary

and can take up to 14 days depending on your financial institution. To check the status of your refund, please confirm first we have updated your payments accordingly and check if you might have already been refunded to your original payment method. If 14 days have passed since the issue of credit and you are still missing your refund, please contact Klarna for further support.

3.7. Can I pay before the due date?

Yes. If you want to pay the outstanding balance of your purchase early, simply log in at the top of the page, go to the order page, and select “Pay off early”.

3.8. What if I return or cancel my order?

If you have paid for your order with a card, the refund will be made to the same card. Returned or cancelled orders should first be registered with the online store. The refund will be processed within the next 14 days of the online store logging the returned or cancelled order.

3.9. What happens to my statement when I've returned the goods?

Once we have received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you’ve made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

3.10. My email address is not correct. How can I change it?

You can live chat with Klarna’s customer service agents 24/7 to request that your contact details be updated. Please quote your statement number if you have received a statement by post.

3.11. What happens if I don't pay for my order?

Klarna will automatically attempt to collect payment for your purchase from the card that you entered at checkout. You can find out when your payments will be collected in the email that you received at the time of purchase or by logging into your Klarna account.

If the automatic payment fails, Klarna will try again after 7 days. If this payment also fails, Klarna will make another attempt after a further 7 days (14 days after the date of the first attempt). Your credit score will not be impacted by using Klarna’s payments product even if you have failed to pay on time.

3.12. Other questions

Don’t see your question here? Check out Klarna’s full FAQ page. You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna app.

4. Klarna FAQ for Financing
4.1. How do I pay for my order?

When you apply for financing, it will be connected to your personal debit card. Payments are automatically collected from your debit card. You may also add a valid checking account to your profile for payments to be deducted.

4.2. Will this require a credit check and will it impact my credit score?

When you choose to pay with financing, we may perform a soft credit check only. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.

4.3. Which payment methods are accepted with financing?

Klarna currently accepts Debit cards as a form of payment for Financing.

4.4. Can I pay off my balance early?
  1. Yes, there will be an option to pay off early in the Klarna email correspondence OR via the Klarna App.
4.5. Will my information and account be secure?

Klarna uses modern safeguards and security to protect your information and help prevent unauthorized purchases. They offer zero fraud liability with their Buyer Protection policy.