Pay in Installments with Klarna
Discover the “Pay in 3 interest-free installments” service
It is an installment payment service that allows you to split the cost of your purchase on ALFYO into 3 equal payments.
Why choose it?
> How does paying in 3 installments with Klarna work?
The interest-free payment in 3 installments will be automatically collected from the debit or credit card you enter at checkout.
The first payment is made when the order is shipped. The second and third installments are collected 30 and 60 days after the first installment, respectively. You can always monitor your payment schedule in the Klarna app, and you can also choose to pay off the remaining amount early.
> What do you need to pay in 3 installments?
- Be at least 18 years old
- A valid mobile phone number and e-mail address
- A credit/debit card valid for 60 days from the date of purchase
- A residential address in Italy
- A bank account in Italy with a credit score that allows you to enter into a legally binding contract
> What is Klarna?
Klarna is a Swedish payment service provider that will assist you with your installment payment. It provides payments for over 70,000 online stores, and over 60 million consumers worldwide have trusted Klarna for the secure management of their payments.
> How do I activate the 3-installment payment with Klarna?
After adding a product to your cart and proceeding with shipping to the checkout payment stage, you will be given the option to pay with Klarna.
If a type of card is not accepted, we will let you know before you complete the purchase. We accept most credit and debit cards that are not expiring. We do not accept prepaid cards.
> How do I use the interest-free 3-installment payment?
To use the "Pay in 3 interest-free installments" service, you must be at least 18 years old.
Although this payment option is widely promoted and used, the interest-free payment in 3 installments is subject to your financial circumstances.
> How can I increase my chances of being accepted for the 3-installment payment?
The 3-installment interest-free payment is offered based on a number of factors such as the order value, previous order history, and item availability.
If you are at least 18 years old, you can request to use Klarna's 3-installment payment by providing your full name, accurate shipping address details, and your billing address.
Each order is evaluated individually. Just because you have been accepted for an installment payment method previously does not mean it will be offered for every order; conversely, if you have been denied in the past, it does not mean you will be denied for all future orders.
To use the Pay in 3 service, you must have a balance equal to or greater than the amount of the first installment on the card chosen for payment.
> What information must I provide during the purchase?
If you wish to make a purchase using “Pay in 3 interest-free installments,” you must provide your mobile phone number, e-mail address, current billing address, and a debit or credit card (not prepaid).
We need your mobile number in case we need to contact you. All official communications will be sent to your e-mail address. It is very important that you provide us with the correct details, otherwise you will not be able to receive your payment schedule and updated order information.
> Will a credit check be performed on my account?
When you apply to use installment payments, Klarna will need to verify your identity. This verification is carried out in order to comply with anti-money laundering and anti-terrorism requirements and to prevent fraud.
You will need to provide Klarna with the information and documentation necessary to verify your identity.
If you cannot access the “Pay in 3 installments” service based on the result of this check, Klarna will inform you promptly.
To use the Pay in 3 service, you must have a balance equal to or greater than the amount of the first installment on the card chosen for payment.
> Why was I not offered the option to pay in 3 installments?
Although the interest-free 3-installment payment is widely used, it is not always available for all types of orders.
The interest-free 3-installment payment option is automatically suggested by algorithms that calculate based on a number of factors, including address details, cardholder details, order amount, previous order history, and item availability.
> What happens if I cancel or return my order?
As soon as ALFYO has accepted the cancellation/return, Klarna will cancel any future scheduled payments and refund you for any amounts owed.
The return will be recorded immediately in the Klarna app.
> What happens if I pay late?
If Klarna is unable to charge the selected payment method for the amount due on the due date, it will send you a notification and offer a grace period of 2-7 business days so that you can update the payment method or ensure that sufficient funds are available on the selected card.
If you update the card, Klarna will attempt to collect the late payment immediately. Otherwise, it will try to charge the original card again after the 2-7 day period. It is important that you ensure that sufficient funds are available to complete the payment on the due dates. If it is not possible to charge the second installment during the grace period, Klarna will transfer the unpaid amount to the next and final installment, including a late fee for non-payment.
Late payments, missed payments, or other defaults on your purchase may be forwarded to a credit agency and reported in your credit report; this could affect your credit score.
> What happens if I do not pay for my order?
Klarna will automatically attempt to collect payment for your purchase in 3 installments at ALFYO from the debit or credit card entered at the time of payment.
If we are unable to collect the payment on the scheduled due date, Klarna will make an additional attempt to collect the payment automatically two days later.
In the event that this last payment attempt also fails, Klarna will issue a statement containing the entire outstanding order amount, which will be payable 15 days later.
When it is time to settle the amount, Klarna will notify you two days before collecting the payment, and for your convenience, you can always monitor the due date in the Klarna app.
In case of late payment, Klarna may charge you late fees.
If you are unable to make a payment by the end of the grace period, you will be considered in default and may not be able to use the service in the future. If Klarna is unable to collect the remaining amount at the third installment, it may request it in the form of an invoice for immediate payment or follow their debt collection procedures, in which you will have to pay all reasonable costs incurred by Klarna and/or the debt collection agency.
> Is my payment information secure?
Payment information is processed securely by Klarna. All transactions take place via secure connections with the latest industry-standard security protocols.
> Can I pay before the due date?
Of course. Simply log in to the Klarna app or visit Klarna.com/uk to pay in advance.
> How do I know if the payment has been received?
Klarna will notify you via email and push notification from the Klarna app when it is time to make a payment and when it has been collected successfully, or in the unlikely event that the payment has failed.
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 into www.klarna.com/uk.
> What happens to my statement once I have returned the goods?
Once ALFYO has received the return (partial or total) and you have received their confirmation, Klarna will send you an updated statement with a modified payment schedule if you have made a partial return.
If, on the other hand, you have requested a full return, we will refund all collected payments and cancel any future scheduled payments.
You can always monitor the status of your order in the Klarna app or on the site.
> I received a statement but I have not received my goods yet.
In case you have not yet received your order, call ALFYO to check the status of the order and delivery.
You can also contact Klarna's customer service to postpone the due date of your payment or put the order on hold in the Klarna app until the goods arrive.
> I canceled my order. How long will it take before I receive the refund?
As soon as ALFYO has recorded your cancellation and received your return and considered it eligible for a refund, it will be processed within 5-7 business days. For information on returns and refunds at ALFYO, visit our returns page.
> I requested a refund. How will I be refunded?
Refunds will always be credited back to the debit or credit card originally entered at the time of payment.
> I did not receive an email with my statement / payment details.
You can log in to the Klarna app or on www.klarna.com/uk, where you will find all your orders and information about the payment schedule.
> Is it correct that I am redirected to the Klarna site?
You can view all your Klarna purchases and the payment schedule in the Klarna app or by logging into Klarna.com/uk. All information regarding Klarna payments is explained and detailed on the Klarna customer service page.
> I have other questions about payment, how can I contact you?
Visit the Klarna app or the Klarna customer service page for a complete list of frequently asked questions, live chat, and telephone options.