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Common Questions about Klarna

About Klarna

What is Klarna?

Klarna is a payment service provider that takes end-to-end responsibility for your payment on eligible YCMC purchases. Klarna’s services allows YCMC to offer you the ability to make purchases now and pay for them later to Klarna.

How do I use Klarna?

Shop YCMC and checkout as usual. If your shopping bag is eligible for a Klarna, then the option to select Klarna as a payment method will be presented at checkout.

Which Klarna services are available on YCMC?

You may be given the opportunity to use Klarna’s Pay Later in 4 Interest-Free Installments when shopping online with YCMC. There are no upfront fees when you use Pay Later in 4 Interest-Free Installments.

Pay Later in 4 Interest-Free Installments: Pay Later in Installments lets you split the payment for your purchase into a number of substantially equal payments to Klarna. The exact number of payments and amounts will be shared with you at checkout. The first payment is charged to your credit or debit card entered at checkout and each subsequent payment is, in installments, automatically charged by Klarna to the same credit or debit card every two weeks.

How l do manage my payments to Klarna?

You can create a Klarna account and log in to the Klarna website or Klarna mobile app to get an overview of your purchases, view your upcoming payments and settle your due payments with Klarna.

What payment methods can I use with Klarna?

Klarna currently accepts all US-issued major debit and credit cards (i.e., Mastercard, Visa, AMEX, Discover). Please note, prepaid cards are not accepted.

What are the terms and conditions of using Klarna?

When you opt to use a Klarna method of payment, you agree to the terms and conditions of Klarna’s applicable Pay Later service under the Klarna Pay Later in 4 Agreement.

View the Klarna Pay Later in 4 Agreement here.

If there is a conflict between these FAQs and Klarna’s applicable Pay Later terms and conditions, Klarna’s applicable Pay Later terms and conditions will apply.

What are Klarna's privacy practices?

If you opt to make a payment for a YCMC order using Klarna, you’ll be providing, or directing the provision of your personal information, directly to Klarna. In this case, Klarna’s Privacy Policy applies.

View Klarna's Privacy Policy here.

How can I find out more about Klarna?

For more information about Klarna, please visit their website here.

Order Delivery

When will my order be delivered if I use Klarna to make a purchase?

When Klarna is used on a YCMC order, items will be delivered in accordance with YCMC's standard shipping policy.

Returns & Exchanges

How do I return an item purchased using Klarna?

To make a return items purchased using Klarna, follow YCMC's standard return process and return policy. Once your return is received and approved, the refund will be made from YCMC to Klarna. When this refund is processed, it will drop into your Klarna account, which can be accessed on the Klarna website or via the Klarna mobile app.

Please note, refunds from any other returns of items purchased using Klarna will not be applied to your Klarna account and even if you receive a refund from YCMC for such a return, you remain obligated to pay your Klarna account in full.

Can I exchange or receive a store credit or cash refund for an item purchased using Klarna?

Exchanges, store credit and cash refunds are not available for items purchased using a Klarna payment method.

Order Modifications

Can I modify an order that I used Klarna for?

Once Klarna has approved use of a Klarna payment method for a YCMC online order, order details cannot be modified and items cannot be added to the order. You’ll need to place a new and separate order if you’d like to purchase any additional item(s).

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