Part 1: How it works

Shop now. Pay later with Klarna.

We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout.

Here’s how it works:

Step 1

Add products to your cart and select “Klarna” when you check out

Step 2

Enter a few personal details and you’ll know instantly if you’re approved

Step 3

Klarna will send you an email confirmation and reminders when it’s time to pay and you can manage your orders and payments in the Klarna app.

Part 2: Payments information

Get 30 days to pay

Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees, when you pay on time.

Paying after delivery allows you to try before you buy and is the easiest way to shop online.

• Complete the payment in full after purchase at no added cost.
• Report returns directly in our app and only pay for the items that you keep.
• Not making your payment on time could affect your ability to use Klarna in the future.
• Debt collection agencies are used as a last resort

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status.Ts&Cs and late fees apply.

Pay later with Klarna

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. Select the Klarna option and enter your debit or credit card information.

• A new way to pay that's an alternative to a credit card.
• 3 instalments gives you flexibility to shop without interest.
• Not making your payment on time could affect your ability to use Klarna in the future.
• Debt collection agencies are used as a last resort.

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status.Ts&Cs and late fees apply.

Part 3: About Klarna

Pay online or in the app

Review your latest purchases and make payments in the Klarna app or online.

• Download the Klarna app: https://www.klarna.com/app
• Log in online: https://app.klarna.com/login.
• Chat with customer service: https://www.klarna.com/uk/customer-service/

About Klarna

Safe and secure

With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorised purchases.

Frequently asked questions

Visit our FAQ (https://www.klarna.com/uk/customer-service/) page to find out more about using Klarna.

At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth checkout options give you more time and control so you can focus on the things you love.

• More than 150 million shoppers are using Klarna.
• 450,000 retailers are working with us worldwide.
• We’re one of Europe’s largest banks and we’ve been powering online checkouts for over 15 years.

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status.Ts&Cs and late fees apply. [www.klarna.com/uk/terms-and-conditions]

Who is Klarna?

Klarna is a payments service that helps you buy the things you want or need. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores.

How does Pay later with Klarna work?

Pay later with Klarna is a credit product which lets you pay any time within 30 days of your purchase interest-free. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna/com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.

Am I eligible for Pay later with Klarna?

You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay later with Klarna. When you choose Klarna they will also check the information you provide and your financial situation.

Can I have multiple Pay later with Klarna orders at the same time?

Yes, you can. If you see Pay later with Klarna when you go to an online checkout then it is available to you. Every time you use Pay later with Klarna, Klarna will check to see whether you can use the service again for each additional purchase.

What does Klarna consider when reviewing my application?

You get 30 days to pay based on a number of factors such as the purchase amount, previous order history. If you are 18 or over, you can improve your chances of being offered Pay later with Klarna 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 later with Klarna before does not mean it will be offered for every order. In turn, if your application for Pay later with Klarna 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 later with Klarna 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 later with Klarna, 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?

You can pay any time within 30 days of your purchase interest-free. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna/com/uk. Klarna will send you a confirmation email once your order is confirmed with full details.You can see both past and future payments using the Klarna app.

I have been asked to go to the Klarna site. Is this correct?

If you choose to pay for your order using Pay later with Klarna, Klarna will send you an email showing you how to pay. The email will have a link you can use to make this payment using your credit or debit card.

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 Tatami Fightwear 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 make a payment on time?

Pay later with Klarna is a credit product and you are required to make your payment to Klarna. If you don't pay for your order on time, Klarna may charge late payment fees. 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?

As Pay later with Klarna is a credit product, if you don't pay for your order Klarna may use a debt collection agency. Klarna may also report the missed payment to credit reference agencies. This means you may find it more expensive or difficult to get credit in the future.

I've received a statement, but I've not yet received my goods.

If you have not received your goods please call Tatami Fightwear Ltd. 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 Tatami Fightwear 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 Tatami Fightwear Ltd. has received the return and Klarna have received our confirmation, 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 Tatami Fightwear 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.

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.

PAY LATER IN 3 INTEREST-FREE INSTALMENTS - FAQ's

WHO IS KLARNA?

• Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.

HOW DOES PAY LATER IN 3 INTEREST-FREE INSTALMENTS WORK?

• Pay later in 3 interest-free instalments 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 Tatami Fightwear Ltd and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.

AM I ELIGIBLE FOR PAY LATER IN 3 INTEREST-FREE INSTALMENTS?

• To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

HOW CAN I INCREASE MY CHANCES OF BEING ACCEPTED FOR PAY LATER IN 3 INTEREST-FREE INSTALMENTS?

• Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free instalments by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

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 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

WILL A CREDIT SEARCH TAKE PLACE AGAINST ME?

• Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Tatami Fightwear Ltd run credit searches against you that could impact your credit rating.

WHY HAVE I NOT BEEN OFFERED PAY LATER IN 3 INTEREST-FREE INSTALMENTS?

• Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

WHAT ARE MY PAYMENT OPTIONS WITH KLARNA?

• Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.

WHAT HAPPENS IF I CANCEL OR RETURN MY ORDER?

• As soon as Tatami Fightwear Ltd have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

WHAT HAPPENS IF I DON'T PAY FOR MY ORDER?

• Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Tatami Fightwear Ltd from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time.

I HAVE BEEN ASKED TO GO TO THE KLARNA SITE. IS THIS CORRECT?

• You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging 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 Tatami Fightwear Ltd. All transactions take place via connections secured with the latest industry standard security protocols.

CAN I PAY BEFORE THE DUE DATE?

• Yes. Just go to the Klarna app or log onto Klarna.com/UK and pay off early.

HAVE YOU RECEIVED MY PAYMENT?

• Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. 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 in at www.klarna.com/UK.

WHAT HAPPENS TO MY STATEMENT WHEN I'VE RETURNED THE GOODS?

• Once Tatami Fightwear Ltd has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we 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.

I'VE RECEIVED A STATEMENT BUT I'VE NOT RECEIVED MY GOODS

• In the event that your goods have not been received please call Tatami Fightwear Ltd to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we 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.

I HAVE CANCELLED MY ORDER. HOW LONG WILL IT TAKE UNTIL I RECEIVE MY REFUND?

• As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days.

I HAVE ASKED FOR A REFUND. HOW WILL I BE REFUNDED?

• Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

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 or Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.
• Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.