Klarna | Frequently Asked Questions
Who is Klarna?
Klarna is a payments service that helps you buy the things you want or need. Right now, over 100 million people worldwide use Klarna at over 200,000 online stores.
How does Pay in 3 instalments work?
Klarna’s Pay in 3 instalments is a credit product that lets you spread the cost of your purchases over 3 equal payments. Klarna will take the payments from your debit or credit card directly so you don't have to worry about missing a payment. Klarna will take the rst payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app.
Am I eligible for Pay in 3 instalments?
You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 3 instalments. When you choose Klarna they will also check the information you provide and your financial situation.
Can I have multiple Pay in 3 instalments orders at the same time?
Yes, you can. If you see Klarna Pay in 3 instalments when you go to an online checkout then Pay in 3 instalments is available to you. Every time you use Pay in 3, Klarna will check to see whether you can use Pay in 3 again for each additional purchase.
What does Klarna consider when reviewing my application?
Klarna offers Pay in 3 instalments based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 3 instalments by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 3 instalments before does not mean it will be offered for every order. In turn, if your application for Pay in 3 instalments is denied, it does not mean it will be denied for future orders.
What do I need to provide when I make a purchase?
If you want to purchase something using Klarna’s Pay in 3 instalments, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.
Will a credit search take place?
When you use Pay in 3 instalments, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.
How do I make repayments to Klarna?
Klarna will take your Pay in 3 instalments payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app.
Can I pay before the due date?
Yes. Just go to the Klarna app or log onto Klarna.com/uk.
Is my payment information safe?
Payment information is processed securely by Klarna. No card details are transferred to or held by Charlotte Elizabeth (CE) Ltd. All transactions take place through connections secured with the latest industry standard security protocols.
How do I know Klarna has received my payment?
Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.
What happens if I don’t pay for my order on time?
Pay in 3 instalments is a credit product and you are required to make your scheduled payments to Klarna. If Klarna is unable to collect your payment on the scheduled due date Klarna will make a further attempt to automatically collect payment seven days later. Should this next payment attempt fail, Klarna will make a nal attempt to collect payment seven days later. They may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here.
What happens if I don’t pay for my order?
If you don't make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future.
Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.
I've received a statement, but I've not yet received my goods.
If you have not received your goods please contact Charlotte Elizabeth (CE) Ltd on orders@charlottelizabeth.com to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they 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.
What happens if I cancel or return my order?
As soon as Charlotte Elizabeth (CE) Ltd has confirmed with Klarna that your cancelation / return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.
I have canceled my order. How long will it take until I receive my refund?
As soon as the store has registered your cancelation or your return, the refund will normally be processed within 5 business days.
I have asked for a refund. How will I be refunded?
Refunds will be issued back to the debit or credit card which was originally used at checkout.
What happens to my statement, when I have returned the goods?
Once Charlotte Elizabeth (CE) Ltd has received the return and Klarna have received our conrmation, Klarna 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.
What happens to my statement when I have returned part of my order?
Once Charlotte Elizabeth (CE) Ltd has received the partial return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app.
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 FAQs, live chat and telephone options.
Klarna’s Pay in 3 instalments credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.
Handbags With Purpose
Since 2016, Charlotte Elizabeth has been designing leather handbags and accessories with a deeper sense of purpose. From the beginning, our Founder Charlotte has designed each piece with careful thought and consideration, typically taking up to two years from envisioning a product to launching it.
Charlotte has always believed in creating designs that are not driven by fleeting trends or seasonal cycles, but by a commitment to a timeless style. Each piece is thoughtfully crafted with longevity in mind, a philosophy that guides our design process every step of the way.
We believe in creating products that not only stand the test of time but also contribute to a more sustainable and responsible future. By considering the impact of each decision—from design to sourcing to production—we ensure that our creations are not just beautiful, but also kinder to the planet.
High-Quality Materials
Made to last, our leathers and materials are chosen with the utmost care and responsibility. For our Core Collection, we’ve partnered with a supplier that has earned the prestigious ‘Gold’ rating from The Leather Working Group, the world’s leading environmental certification for the leather manufacturing industry. This recognition ensures that the leather we use is sustainably sourced and produced with the environment in mind.
The Italian pebble grain leather selected for this collection is not only buttery soft to the touch but also exceptionally durable due to its textured finish and the quality of the hide. This leather is designed to stand the test of time, becoming even more beautiful as it ages. For our Original Bloomsbury style, we use split British leather which is sourced with product longevity in mind.
To further enhance the lifespan and luxury of our handbags, we’ve incorporated gold-plated hardware into each style. This attention to detail not only adds an elegant touch but also contributes to the overall durability and timeless appeal of our designs.
Craftsmanship
Since our journey began in 2016, we’ve had the privilege of collaborating with an exceptional group of suppliers who help us bring our vision to life. Each partnership is built on trust, shared values, and a dedication to craftsmanship. We believe that luxury is not just about the final product—it’s about the care, skill, and passion that go into every step of the process. That’s why we work exclusively with manufacturers who we trust and believe in, ensuring that every item reflects the highest standards of quality and excellence.
Our production network is truly global, encompassing artisans and experts from the UK, India, and Spain. Each region brings its own rich heritage and expertise to our creations. From the precision and innovation of British craftsmanship to the time-honored techniques of Spanish artisans and the vibrant, intricate artistry found in India, we’re proud to partner with producers who share our commitment to luxury, integrity, and timeless design.
It’s through these trusted relationships that we’re able to deliver exceptional pieces that reflect the passion and vision at the heart of everything we do.
Considered Packaging
We take deliberate, measured steps to ensure that our packaging has as little environmental impact as possible. Sustainability is at the heart of everything we do, and we believe that even the smallest details matter. To that end, all of our leather goods are carefully packaged in a fully biodegradable, 100% cotton dust bag. This dust bag is designed to provide around twelve years of continuous use, offering a durable and eco-friendly solution for keeping your items protected. Once it has fulfilled its purpose, the bag can be shredded and composted at home or taken to an industrial composting facility, where it will break down naturally and contribute valuable carbon elements to the compost mix.
We’re also proud to say that all our additional packaging elements are 100% recyclable. Our cardboard boxes are made from recycled materials and are fully recyclable themselves. The stickers and tissue paper used in our packaging are FSC certified, meaning they come from responsibly managed forests, and are printed with soy-based inks—another eco-friendly choice. Both the tissue paper and stickers are not only recyclable but also compostable, allowing them to break down naturally when disposed of.
By making these conscious decisions, we strive to minimize waste and ensure that every step of our packaging process aligns with our commitment to sustainability and environmental responsibility.