Klarna Payment Guide

What is Klarna?

Klarna is a flexible payment service that allows you to pay for your MatchMint purchases in installments rather than paying the full amount upfront. This "buy now, pay later" option gives you more flexibility in managing your budget while still getting your custom sports cards right away.

Klarna Payment Options

When using Klarna at MatchMint, you typically have these payment options:

Pay in 3 or 4

• Split your purchase into 3 or 4 equal payments
• First payment due at time of purchase
• Remaining payments automatically charged every 2 weeks
• No interest or fees when you pay on time

Pay in 30 days

• Get your order now and pay within 30 days
• No upfront payment required
• No interest or fees when you pay on time

Financing (Monthly Installments)

• Spread the cost over 6-36 months
• Fixed monthly payments
• Interest rates vary based on your credit profile

Note: Available Klarna options may vary based on your location, order value, and account standing with Klarna.

How to Use Klarna at Checkout

1. Add items to your cart and proceed to checkout
2. Select "Klarna" as your payment method
3. You'll be redirected to Klarna or prompted to enter your Klarna details
4. For new Klarna users: Complete a quick application
5. For existing Klarna users: Log in to your account
6. Review and confirm your payment plan
7. Complete your purchase and return to MatchMint

Eligibility Requirements

To use Klarna, you generally need to meet these requirements:

• Be at least 18 years old (19+ in Alabama and Nebraska, 21+ in Mississippi)
• Have a valid phone number and email address
• Have a valid debit or credit card
• Be a resident of a country where Klarna operates
• Pass Klarna's credit and fraud checks

Managing Your Klarna Payments

After your purchase:

1. You'll receive payment instructions from Klarna via email
2. Download the Klarna app or visit their website to manage payments
3. Set up payment reminders to avoid missing due dates
4. Make payments using your preferred payment method in the Klarna app

Payment Schedule Examples

| Purchase Amount | Pay in 4 | Pay in 30 Days | 6-Month Financing* | |----------------|----------|---------------|-------------------| | $100 | 4 payments of $25 | $100 after 30 days | ~$17.50/month | | $200 | 4 payments of $50 | $200 after 30 days | ~$35.00/month | | $500 | 4 payments of $125 | $500 after 30 days | ~$87.50/month |

*Financing example assumes 0% APR promotional rate. Actual rates and payments may vary based on credit approval.

Returns and Refunds with Klarna

If you need to return items purchased using Klarna:

1. Initiate your return through MatchMint's standard return process
2. Once we process your return, we'll notify Klarna
3. Klarna will adjust your payment schedule or issue a refund
4. For partial returns, your payment amount will be adjusted accordingly

Frequently Asked Questions

Will Klarna affect my credit score?

• Initial eligibility checks typically use a soft credit check that doesn't affect your score
• Missing payments may impact your credit score
• Financing options may use a hard credit check

What happens if I miss a payment?

• Klarna will attempt to collect payment again
• You may be charged late fees depending on your location
• Continued missed payments may affect your credit score and ability to use Klarna in the future

Can I pay off my balance early?

Yes, you can make early payments or pay your entire balance at any time without penalty through the Klarna app or website.

Is there a spending limit with Klarna?

Yes, Klarna assigns a spending limit based on various factors including your payment history and the information provided during checkout.

What if my Klarna payment is declined?

If your Klarna payment is declined, you can:

• Try a different payment method at checkout
• Contact Klarna's customer service for assistance
• Check if you've reached your Klarna spending limit

Klarna Support Resources

For questions about your Klarna payments or account:

• Visit Klarna's Help Center
• Contact Klarna directly through their app or website
• Email Klarna at support@klarna.com

For questions about your MatchMint order paid with Klarna:

• Contact our customer service team at support@matchmint.com
• Include your order number and Klarna payment ID for faster assistance