What is Klarna?
Klarna is a Swedish payment service provider that helps you buy what you want now and pay for it later. Smooth, right? With over 60 million happy customers shopping with more than 100,000 online retailers - it's safe to say they're pretty good at what they do.
When shopping with us you can now pay the way you want with Klarna. It's up to you whether you prefer to pay right away, pay later or pay over time.
Please remember to spend responsibly - splitting payments can encourage further spending and cause debt.
how does it work?
1. Fill your basket with new stuff
2. Pick Standard, Next Day or Choose Your Day delivery
3. Checkout with Klarna and choose the payment option that suits you
4. There will also be a soft credit check on application to determine if you are eligible for this payment method. These do not impact your credit file, at application or if a payment is missed or late.
5. Klarna will send you an email confirmation and reminders when it's time to pay and you can your orders and payments in the Klarna app.
ways to pay
Simply pay for your shoes in a few clicks. Klarna remembers all of your info so you don't have to. Easy peasy.
Simply hit 'Pay Later' when you checkout and don't worry, there's no pesky passwords to remember. Simply try them on, look good - no sweat - Klarna will email you reminding you to pay up 30 days after shipping.
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. You must be 18+ and a UK resident to be eligible for this credit offer.
Pay in 3
All you have to do is select 'Pay in 3' at the checkout and the first instalment will be taken when your order is confirmed. No interest, no hassle. Easy, right? To check your eligibility, Klarna will perform a soft search with a credit reference agency - this will not affect your credit score but failure to pay on time could result in debt collection agencies.
How do I manage my account?
You can review your latest Klarna invoices at your leisure by logging onto klarna.com.
Am I eligible/will I be accepted?
You must be at least 18 years old to use Klarna payment services and they're offered subject to your financial circumstances. Klarna uses a 'soft credit search' to assess who is eligible, but don't worry, this doesn't affect your credit rating.
When do I have to pay?
You'll receive an email with payment instructions 2 days after your order is confirmed, depending on your chosen method. We'll also send a little reminder a couple days before payment is due.
NOIR Footwear acts as an introducer and not a lender of unregulated credit products provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. Please note Pay in 30 days and Pay in 3 instalments is not regulated by the FCA. Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.
Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford your monthly repayments on time.
1. WHAT IS CLEARPAY?
Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply).
The service is provided by Clearpay Finance Ltd.
2. HOW DO I USE CLEARPAY?
Just shop NOIR Footwear.com and check out as normal. At checkout, choose the Clearpay payment method. You will be directed to the Clearpay website to register and provide payment details (Visa, Mastercard or Amex).
If you’ve used Clearpay before, just log in to your Clearpay account.
Then complete your order!
3. WHERE CAN I USE CLEARPAY?
Take a look at the Clearpay Shop Directory to check out our amazing partners where you can use Clearpay.
4. WHO CAN USE CLEARPAY?
Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address.
Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account.
Other eligibility criteria apply. See Clearpay Terms of Service here for further details.
5. HOW DOES THE CLEARPAY PAYMENT SCHEDULE WORK?
Clearpay will split the total value of your order into 4 instalments payable every fortnight. The exact amounts and dates will be displayed for you to agree to before you confirm your purchase.
If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.
You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
6. WHAT IF I CAN’T PAY A CLEARPAY INSTALMENT?
If you cannot make a payment, please contact Clearpay here.
As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.
Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £36, whichever is less.
Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service here for further details.
7. WHEN WILL MY ITEMS BE DELIVERED IF I USE CLEARPAY?
Clearpay orders are delivered within our standard delivery timeframes like any order from NOIR Footwear
8. IS THERE A LIMIT TO HOW MUCH I CAN SPEND ON A SINGLE CLEARPAY TRANSACTION?
Yes, your order value including shipping must be between £0 and £1500 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
9. CAN I USE ANOTHER FORM OF PAYMENT WITH CLEARPAY?
Yes, you may also use a gift card or promotional code with Clearpay to pay for your purchase.
10. HOW DO I RETURN OR EXCHANGE AN ITEM PURCHASED WITH CLEARPAY?
Items purchased with Clearpay follow our standard return process.
Please note, refunds for Clearpay purchases will be refunded from NOIR Footwear to Clearpay. We cannot provide an exchange or cash refund.
When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed receipt of any return goods, you will be liable to continue to make your payments to Clearpay.
You can view the details by logging in to your Clearpay account.