Klarna Payments

Klarna is now accepted at Urban Surfer. If you can't wait until pay day or want to try before you buy then use Klarna to pay later!

During checkout you may be given the option to pay with Klarna. We offer you the chance to pay later in 30 days or to split your payment into 3 instalments.

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of payments to more than 170,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

How does "Pay Later in 3" work?

" Pay Later in 3" 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 Urban Surfer and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

Am I eligible for Pay Later is 3?

To use Pay Later in 3 you must be at least 18 and is subject your financial circumstances. Klarna's assessment will not affect your credit rating.

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

If you want to make a purchase with Klarna using Pay Later in 3 you'll need to provide your mobile number, email address, current billing address and a debit or credit card.

Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries that do not affect credit scoring and are only visible to you and Klarna.

How does Pay Later 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. When choosing Pay Later Klarna's assessment will not affect your credit rating.

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, 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.