Klarna FAQ's
Shop now, pay with Klarna.
We've partnered with Klarna to give you a flexible, straightforward way to pay for your order.
Two ways to pay later
Klarna gives you the option to receive your order first and pay afterwards, or split the cost into three equal instalments. Both options are completely interest-free with no hidden fees.
You'll see the Klarna option at checkout — just select it, choose your preferred method, and you're done. Everything is managed through the Klarna app.
Pay in 3 — example breakdown
On an order of £90.00, your three equal payments would look like this:
Amounts shown are illustrative. Your actual instalments will be based on your order total. No interest or fees are applied.
Who can use Klarna?
Klarna is available at checkout subject to the following:
If your application is not approved at checkout, you can pay using another method. Klarna do not always provide a reason for a declined application. Trying again shortly afterwards is unlikely to change the outcome — it is better to try again at a future date.
How to pay with Klarna
Add items to your bag and head to checkout
Select Klarna at the payment step and choose Pay in 30 days or Pay in 3
Manage your payments and view your orders in the Klarna app
The Klarna app
Once you've placed an order using Klarna, the app is the best place to manage everything. You can view upcoming payments, settle balances early, pause a statement if you've made a return, and contact Klarna's customer service team.
Download the app or log in at app.klarna.com. Klarna's customer service team can also be reached via klarna.com/uk/customer-service.
Safe and secure
Klarna has anti-fraud controls in place across all transactions. Your card details are held securely by Klarna — Ragazzi does not store or have access to your payment information.
Frequently asked questions
Follow Ragazzi's standard returns process first — you'll find full instructions on our delivery and returns page. Keep your tracking reference once you've posted the item back.
Once your return is on its way, log into your Klarna account or open the app and select "Report a return" to pause your statement. As soon as Ragazzi processes your return, Klarna will issue an adjusted statement or refund as applicable. Both steps are needed — pausing in the app does not trigger the refund on its own.
You do not need to pay for goods that arrive damaged, broken, or faulty. Contact Ragazzi in the first instance to arrange a resolution. In your Klarna account, select "Report a problem" to pause your statement while the issue is being resolved. Once Ragazzi has processed your return or cancellation, any refund will be applied within 5–7 business days.
You do not need to pay until your order has been received. Get in touch with Ragazzi for a delivery update. Log into your Klarna account and select "Report a problem" to pause your statement in the meantime.
Contact Ragazzi directly in the first instance so we can look into it. Log into your Klarna account and select "Report a problem" to pause your statement while the details are being corrected.
Klarna will remind you before your payment is due. If you miss it, you will not be charged fees or interest. Your credit score will not be impacted for a missed payment on Pay in 30 days. However, if payment is not made, Klarna may consider you in default and restrict future use of the service. As a last resort, Klarna may engage a debt collection agency.
Klarna will automatically retry a missed instalment 7 days later, and once more 7 days after that. If the final instalment cannot be collected, the outstanding balance becomes payable as a single amount 15 days later. You will not be charged fees or interest for missed payments, and your credit score will not be impacted. If you do not pay, Klarna may restrict your account and, as a last resort, refer the debt to a collection agency.
Klarna run a soft credit check as part of the application process. If your application is declined, you'll be able to complete your purchase using another payment method at checkout. Klarna do not always give a reason for a declined application. Reapplying immediately is unlikely to change the outcome — it is better to try again at a later date.
Visit Klarna's help centre at klarna.com/uk/customer-service or contact them directly via the Klarna app. For questions about your Ragazzi order, get in touch with us via our contact page.
About Klarna
Founded in Stockholm, Sweden, Klarna is one of Europe's leading alternative payment providers, trusted by millions of shoppers worldwide. Find out more at klarna.com/uk/about-us.
Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford your repayments before using a buy now, pay later service.
Credit is only available to permanent UK residents aged 18 and over, subject to status. Terms and conditions apply. View Klarna's terms and conditions.
Klarna Financial Services UK Ltd is authorised and regulated by the Financial Conduct Authority for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Electronic Money Regulations 2011 (firm reference number 1021834). Klarna's Pay in 30 days and Pay in 3 instalments products are not regulated by the FCA.
Ragazzi Clothing acts as an introducer only. The credit products are provided by Klarna Financial Services UK Ltd.