Pay Later with Klarna.

Klarna Pay in 3 is a new way to pay that allows you to spread the cost of your order over 3 payments. Just select 'Pay Later with Klarna' at the checkout!

You can now spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Tiso and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

The Klarna Checklist

Its simple. All you need to use Klarna Pay in 3 is...

• To be 18 years or over
• A valid mobile number and email address
• A UK residential address.
• A UK bank account with good credit history.
• A credit/debit card to be valid for 60 days from purchase date.

All good? Great, let's get shopping!

How to use it?

Choose the items you want to buy from Tiso. Add them to your basket and head over to the checkout.

You must have sufficient funds available on your credit or debit card for the first payment at the time of ordering.

Click 'Pay in 3' at the checkout.

Place your order and it will be despatched as normal.

Pay in 3 equal payments – the first when you place the order, the second 30 days later, and the third 60 days after placing the order.

You must be 18+ and a UK resident to be eligible for this credit offer. Pay in 3 Terms and Conditions are available at https://www.klarna.com/uk/customer-service/what-is-pay-in-3-instalments-and-how-does-it-work

How does Pay later in 3 interest-free instalments work?

Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Tiso and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments' schedule in the Klarna app or by logging into www.klarna.com/uk.

Am I eligible for Pay later in 3 interest-free instalments?

To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 30 days?

Klarna is unique and offers Pay later in 3 interest-free instalments 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 in 3 interest-free instalments 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 been accepted for a Klarna payment method 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.

Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Tiso run credit searches against you that could impact your credit rating.

Why have I not been offered Pay later in 3 interest-free instalments?

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

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

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Tiso from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. Your credit score will not be impacted by using Klarna's ‘Pay later in 3 instalments' product even if you have failed to pay on time. If you fail to make a payment you will be in default, and maybe unable to use the service in the future. We may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort.

What information do I need to provide when I make a purchase?

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

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

In order to be able to offer you Klarna's payment options, we will pass to Klarna certain aspects of your personal information, such as contact and order details, in order for Klarna to assess whether you qualify for their payment options and to tailor the payment options for you. General information on Klarna can be found here. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna's privacy policy. You can review our Tiso privacy policy here.

What are my payment options with Klarna?

Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments' schedule in the Klarna app.

Can I pay before the due date?

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

Have you received my payment?

If you pay by card, Tiso will confirm your order right away. If paying by Pay later in 30 days, 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 the payment confirmation, you can always check the status of your order and payments by logging in to the Klarna app or www.klarna.com/uk.

What happens if I cancel or return my order?

As soon as Tiso have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

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

Once Tiso has 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.

I have cancelled my order. How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days.

I have been asked to go to the Klarna site. Is this correct?

You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto www.klarna.com/uk.

Have you received my payment?

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

I've received a statement, but I've not yet received my goods.

In the event that your goods have not been received please call Tiso Customer Care team to check on your order and delivery status. You can also contact Klarna's Customer Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.

I have asked for a refund. How will I be refunded?

Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

I haven't received an email with my statement/payment information

You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch?

Visit Klarna app Klarna's Customer Service page for a full list of FAQ's, live chat and telephone options: Local Rate: 020 300 50833 / Freephone: 0808 189 3333.

Read Klarna's full Terms & Conditions here

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

Tiso Group Ltd is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.

Klarna is a new way to pay that allows you to order with confidence and only pay for the items you keep. Shop now but pay later. Just select 'Pay Later with Klarna' at the checkout!

With Klarna all orders are shipped right away! You have a chance to try things on for size, and return anything that's not right. Only pay for what you've kept. No interest, no fees (if paid within 30 days).

• 30 days to pay
• No account sign up needed
• You must be 18. Subject to financial circumstances.
• No credit application
• Klarna emails payment instructions straight to you

The Klarna Checklist

Its simple. All you need to use Klarna Pay later in 30 days is...

• You must be at least 18 years old
• A UK bank account (Pay later in 30 days is subject to your financial circumstances)
• A UK residential address.

All good? Great, let's get shopping!

How to use it?

• Choose the items you want to buy from Tiso. Add them to your basket and head over to the checkout.
• Click 'Pay Later in 3 with Klarna' at the checkout – no need to create an account.
• Place your order and it will be despatched as normal.
• You'll receive an email with instructions on how to pay.

You must be 18+ and a UK resident to be eligible for this credit offer. Pay Later Terms and Conditions are available at https://www.klarna.com/uk/customer-service/how-does-pay-in-30-days-work/

Questions?

For all those concerning the product, delivery and returns, please contact Tiso Customer Care. For all questions concerning payment or regarding an expected refund, please contact Klarna. For more details, see the FAQ section below.

How does Pay later in 30 days work?

Once your order is confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to try on your order and only pay when you're happy. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card in the Klarna app or by logging into www.klarna.com/uk.

Am I eligible for Pay later in 30 days?

To use Pay later in 30 days you must be at least 18. Whilst this option is widely promoted, Pay later in 30 days is subject to your financial circumstances. When choosing Pay later in 30 days, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 30 days?

Klarna is unique and offers Pay later in 30 days 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 in 30 days 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 in 30 days 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.

Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Tiso run credit searches against you that could impact your credit rating.

Why have I not been offered Pay later in 30 days?

Although Pay later in 30 days is widely promoted it is not always universally available. The Pay later in 30 days 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.

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

Payment is due 30 days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due – you'll receive a push notification from the Klarna app or email reminders to pay – and, if very late, we'll also send you a text or letter, too. Your credit score will not be impacted by using Klarna's ‘Pay later in 30 days' products even if you have failed to pay on time.If you fail to pay on time, you will be in default, and may be unable touse Klarna’s services in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort.

What information do I need to provide when I make a safe purchase using Klarna?

f you want to make a purchase with Klarna you need to provide your name, address and email address. For some orders you may need to provide your mobile number or date of birth, too. All information will be sent to your email address, including payment reminders and links to your online statements. It's very important that you give us the correct details, as otherwise you will not receive the payment information.

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

In order to be able to offer you Klarna's payment options, we will pass to Klarna certain aspects of your personal information, such as contact and order details, in order for Klarna to assess whether you qualify for their payment options and to tailor the payment options for you. General information on Klarna can be found here. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna's privacy policy. You can review our Tiso privacy policy here.

Can I pay before the due date?

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 or in the Klarna app to pay for your order.

Have you received my payment?

If you pay by card, Tiso will confirm your order right away. If paying by Pay later in 30 days, 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 the payment confirmation, you can always check the status of your order and payments by logging in to the Klarna app or www.klarna.com/uk.

How does the return process work?

Once Tiso 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. You are always able to monitor the status of your order in the Klarna app.

What happens if I cancel or return my order?

As soon as Tiso have accepted your cancellation/return, then Klarna will cancel the statement or refund your payment. The return will be reflected in the Klarna app immediately.

have cancelled my order. How long will it take until I receive my refund?

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

I've received a statement, but I've not yet received my goods.

You have 30 days to pay, so you don't need to pay right away. If your due date is near and there is no sign of your goods, please call Tiso Customer Care team to check on delivery. You can also contact Klarna's Customer Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive. If you do not have your statement number to hand you can log into the Klarna app or at www.klarna.com/uk, where you will find all of your orders and be able to make payments.

I have asked for a refund. How will I be refunded?

If you have paid for your order with a 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.

I still have questions regarding payment, how can I get in touch?

Visit Klarna app Klarna's Customer Service page for a full list of FAQ's, live chat and telephone options: Local Rate: 020 300 50833 / Freephone: 0808 189 3333.

Read Klarna's full Terms & Conditions here

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

Tiso Group Ltd is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.