Pay later in 30 days
Frequently Asked Questions

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 90 million consumers worldwide have trusted Klarna to securely handle their
payments.

How does Pay later in 30 days work?
Pay later in 30 days is a form of credit which allows you to delay payment of your purchase by 30 days. Once your order is confirmed,
you’ll receive an email with payment instructions within two days from Klarna. You’ll then have 30 days to pay for your tattoo. You can complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card in Klarna.app or by logging into www.klarna.com/uk .

Am I eligible for Pay later in 30 days?
To use Pay later in 30 days you must be at least 18. Whilst this option is widely promoted, Pay later in 30 days is subject to your financial circumstances. When choosing Pay later in 30 days, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 30 days?
Klarna is unique and offers Pay later in 30 days 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 30 days 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 in 30 days before does not mean it will be offered for every order. In turn, if your
application for Pay later in 30 days is denied, it does not mean it will be denied for future orders.

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 Underground Tattoo Studio run credit searches against you that could impact your
credit rating.

Why have I not been offered Pay later in 30 days?
Although Pay later in 30 days is widely promoted it is not always universally available. The Pay later in 30 days method is automatically
generated by algorithms that are dependent upon a number of factors including amount of order, the online store, previous order
history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at the checkout.

What are my payment options with Klarna?
You can pay with debit or credit card immediately in the checkout or take advantage of our Pay later in 30 days payment option,
where you can pay for the goods once you have received them via credit card or debit card. You can always monitor your outstanding
payments in the Klarna app.

What happens if I cancel my order?
As soon as ​Underground Tattoo Studio have accepted your cancellation, then Klarna will cancel the statement or refund your payment. The
return will be reflected in the Klarna app immediately.

What happens if I don’t pay for my order?
Payment is due 30 days after you have purchased your tattoo. To help you pay on time, we’ll alert you two days before payment is due – you’ll
receive a push notification from the Klarna app or email reminders to pay – and, if very late, we’ll also send you a text or letter, too. You
will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s ‘Pay
later in 30 days’ product even if you have failed to pay on time. If you fail to pay on time, you will be in default, and may be unable to
use Klarna’s services in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to
collect on our behalf. Debt collection agencies are used as a last resort.

I have been asked to go to the Klarna site. Is this correct?
If you have chosen to Pay later in 30 days, Klarna will send you an email with further details on how to pay. Your email will contain a link
to Klarna where you can settle your payment with your credit or debit card. You are always able to view payments instructions in the Klarna app.

What do I need to provide when I make a purchase?
If you want to make a purchase with Klarna you need to provide your name, address and email address. For some orders you may
need to provide your mobile number or date of birth, too. All information will be sent to your email address, including payment reminders and links to your online statements. It’s very important that you give us the correct details, as otherwise you will not receive the payment information.

Is my payment information safe?
Payment information is processed securely by Klarna. No card details are transferred to or held by Underground Tattoo Studio. All transactions take
place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?
You can pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the
instructions on this email or in the Klarna app to pay for your order.

Have you received my payment?
If you pay by card, Underground Tattoo Studio will confirm your order right away. If paying by Pay later in 30 days, Klarna will send you a payment
confirmation to the email address that you have used for your order. If you have made a payment but not received the payment confirmation, you can always check the status of your order and payments by logging in to the Klarna app or www.klarna.com /uk.

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.