ANCOST offers Klarna as a buy now and pay later option. Klarna provides customers with the opportunity to make payments as part of an interest free payment plan - paid in 3 automatic payments. Klarna also offers financing options for larger purchases.*Monthly financing through Klarna issued by WebBank, member FDIC.

If you're shopping, simply select Klarna as your payment option at checkout before you complete your purchase. You will be redirected to the Klarna portal where you can either login with an existing Klarna account or create a new one.

For more information about this service, please visit the Klarna website

Frequently asked questions about Pay later in 3 interest-free installments


Who is Klarna?

Klarna is a Swedish payment service provider that takes responsibility for your payment from start to finish. Klarna is the payment provider for more than 200,000 online stores. More than 100 million consumers worldwide have trusted Klarna to handle their payments securely.

How does this 3-installment, interest-free payment method work?

Paying later in 3 interest-free installments allows you to split the cost of your purchase into 3 payments of the same amount. Each installment will be automatically charged to the debit or credit card you entered at the time of payment. The first installment will be charged when Ancost confirms your order, while the other two payments are due in 30 and 60 days respectively. You can always keep track of your payment schedule in the Klarna app.

What are the requirements to qualify for the 3 installments interest-free payment?

You must be at least 18 years old and spend a minimum of 55€. Although this option is widely promoted, the 3-installment interest-free payment is subject to your financial situation. By opting for this payment, our assessment will not affect your credit rating.

Can I use Klarna's 3 installments at the same time on different purchases?

Yes, if Klarna 3 Installments appears when you go to pay online, then it is available. Each time you use Klarna 3 Installments, Klarna will check to see if you can use it again for each additional purchaseWhat does Klarna consider

When reviewing my application?

Klarna offers 3 Installment Payment based on a number of factors such as purchase amount, and previous order history. You can improve your chances of being offered 3 Installment Payment by making sure you provide your full name, your exact address details and arrange for shipping to your registered billing address. All orders are evaluated on an individual basis. Just because Klarna has accepted a previous payment does not mean that it will do so in the future and, in turn, if you are denied on one order it does not mean that the same will be true for all future orders.

What do I have to provide when I make a purchase?

If you want to make a purchase with Klarna using the Pay Later in 3 interest-free installments service, you will need to provide your cell phone number; your email address; your current billing address; and a debit or credit card. The mobile number is required in case we need to contact you. All communications will be sent to your email address. It is very important that you provide us with the correct details otherwise you will not receive your payment schedule or any updates on your order.

Will Klarna perform a credit check?

When you use the 3-installment payment, Klarna will perform a credit check. This means that Klarna will look at certain information on your credit report to decide whether to approve your purchase.

What payment options do I have with Klarna?

Payment will be automatically charged to the debit or credit card you entered at checkout. The first payment is taken when you confirm your order. The second and third installments are charged 30 and 60 days, respectively, after the first installment. You can always monitor the payment schedule in the Klarna application.

What happens if I cancel or return my order?

As soon as Ancost the refund will be reflected in the Klarna app immediately.

What happens if I don't pay my order on time?

The 3-installment payment is a credit product, which obligates you to make scheduled payments to Klarna. If Klarna receives payment on the scheduled due date, it will make a new automatic collection attempt seven days later. If this next payment attempt fails, Klarna will make a final collection attempt seven days later. In addition, you may continue to attempt to collect past due and current payments on subsequent due dates, or bill separately for the unpaid total. Klarna may also share information about late payments with credit reference agencies. This means that it will be difficult or more expensive to access credit products from Klarna or other lenders in the future. Full details can be found in Klarna's terms and conditions here.

What happens if I don't pay my order?

If you miss payments, you will be in default, as the 3 installment payment is a credit product. Klarna may share information about your late payments with credit reference agencies. This means that it may be difficult or more expensive to use Klarna's or other lenders' credit products in the future.

Klarna may also refer any debt to a collection agency. This agency will collect the debt on Klarna's behalf. In addition, if the debt is referred to a collection agency, Klarna will share this information with credit reference agencies.

Do I have to go to the Klarna website to check my payments?

You can view all of your Klarna purchases and your payment schedule on the Klarna app or by logging in to Klarna.com.

How does Klarna protect my payment information?

Klarna processes payment information securely. Card data is not transferred to Ancost, nor is it retained by Ancost. All transactions are conducted over secure connections using the industry's leading security protocols.

Can I pay before the due date?

Yes, just go to the Klarna app or log in to Klarna.com/ and pay whenever you want.

What happens to my payments after I make a return?

Once Ancost has received the refund (partial or full) and you have received confirmation of the refund, Klarna will send you an updated statement with an adjusted payment schedule if you have made a partial refund. In the case of a full refund, we will refund the collected payments and cancel any future scheduled payments. You can always check the status of your order in the Klarna app.

I have made a payment, but have not yet received my order.

In case you have not received your order, please contact Ancost via live chat or email to check when your order will be delivered. You can also contact Klarna customer service so that we can postpone the due date of your payment or suspend your order while you wait for your products to arrive.

I cancelled my order, how long will it take to receive a refund?

After the store has recorded your cancellation or return, the refund will be processed within 5-7 business days.

I have requested a refund, how will I receive it?

The refund will be issued to the debit or credit card you originally used when making the payment.

What happens to my account status when I have returned part of my order?

Once Ancost has received the return and Klarna has received confirmation from us, Klarna will refund any payments collected and cancel any payments scheduled for the future. You can always check the status of your order in the Klarna app.

I have not received an email with my account/payment status information.

You can log in to the Klarna app or www.klarna.com/, where you will find all your orders and payment schedule information.

I still have questions about payment, how can I contact Klarna?

You can visit the Klarna app or its customer service page to access a complete list of frequently asked questions. You can also contact the company through their chat or by phone, find all the information at www.klarna.com/.