The Merchant Fox - Klarna available at checkout

The Merchant Fox has partnered with Klarna, in order to provide you with the option to shop now and pay later. Ultimately, offering a more flexible and improved shopping experience.

Here's how the process 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. You can also manage your orders and payments within the Klarna app.
The Merchant Fox - Klarna Pay in 30 days
Pay in 30 days
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. No impact to your credit score.
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.

You must be 18+ and a UK resident to be eligible for this credit offer.

To read the Pay Later terms and conditions CLICK HERE.

The Merchant Fox - Klarna Pay in 3

Pay in 3 interest-free instalments
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. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score.

No interest. No fees. No impact to your credit score.

  • A new way to pay that's an alternative to a credit card.
  • 3 instalments gives you flexibility to shop without interest or hidden fees.
  • 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.

To read the Pay in 3 terms and conditions CLICK HERE.

The Merchant Fox - Klarna available

About 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 90 million shoppers are using Klarna.
  • 200,000 retailers are working with us worldwide.
  • We’re one Europe’s largest banks and we’ve been powering online checkouts for over 15 years.

Pay online or in the app

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

The Merchant Fox - Klarna displayed on mobile phone deviceSafe and secure

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

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

The Merchant Fox is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.

Klarna FAQ

"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 try on your order and only pay when you’re happy. 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.

"How does Pay later in 3 interest-free instalments work?"

Pay later in 3 interest-free instalments is a form of credit which allows 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 The Merchant Fox and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.

"What happens if I cancel or return my order?"

As soon as The Merchant Fox 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 The Merchant Fox 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.

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 3 instalments’ product even if you have failed to pay on time. If you fail to make a payment you will be in default, and may be unable to use Klarna in the future. We may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. 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.

"Can I pay using Klarna payments in my country?"

Our Klarna Pay Later payments option, is available only to customers in: Austria, Denmark, Finland, Germany, Netherlands, Sweden, and the United Kingdom.

"I still have a question regarding Klarna, how can I get in touch?"

Visit Klarna's app or Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.