The minimum age required to use Pay in 3 is 18 years old.

You don't need to pay for broken or defective products. Please contact the virtual store and follow their instructions regarding defective or unacceptable products. Be sure to log in here or in the Klarna app to dispute your order by clicking "Report a problem." In this way, your invoice will be paused until you have resolved your claim with the merchant. You can find more information about Klarna Buyer Protection here.

You do not need to pay your invoice until you have received your order. Contact the virtual store if you have not received a notification about the shipment of your order. Log in here or in the Klarna app to dispute your order by clicking "Report a problem." This way your invoice will be paused until you receive your order. You can find more information about Klarna Buyer Protection here.

Your privacy and security is very important to us, and our solution is designed to protect and prevent the unauthorized use of your personal information. We employ security measures that include computer safeguards and protected files and buildings. We also have additional physical, electronic, and procedural safeguards to protect your information, and we limit access to sensitive information to those employees who have it.

To maximize your chance of being approved to use Pay in 3, you should:

• Make sure your billing address is up to date (this is the address where you are registered and where you have your invoices registered)
• Use your full name
• Sending your first order to your billing address will increase your chance of being approved

If you are having financial difficulties and need help analyzing future payments, please do not hesitate to contact our customer service team. So we can work together to find the best solution for you.