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What is Klarna

Klarna is a Swedish payment service provider that helps you shop with Sleeper now, and pay for your items later. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.

Depending on your region of residence, different payment options may be available.

“Pay in 4 installments” service for Klarna customers from the US:

What is ‘Pay in 4 installments’*?

‘Pay in 4 installments’ is an alternative to traditional credit but without any interest, that allows you to split purchases at Sleeper into 4 payments. These payments will be automatically withdrawn from the debit/credit card you have on file with Klarna every 2 weeks until the full order amount has been paid. In Klarna app, you’ll also have the option to pay off a single installment or even the entire balance earlier if preferred. However, at this time it’s not possible to change the scheduled payment date to a later date.

If your order is eligible for ‘Pay in 4 installments’, you can select the option in the checkout and enter your debit or credit card information. As soon as we ship your order, you will receive an email from Klarna outlining your payment schedule and your card will be charged for the first quarter amount. Your purchase and payments will then be visible and manageable in your Klarna App. So make sure to download the Klarna App to stay in full control and never miss a payment!

Good to know: There is no fee to use ‘Pay in 4 Installments’!

You can find more information about your payment options with Klarna here.

*CA resident loans made or arranged pursuant to a California Financing Law license.

How do I sign up for 4 interest-free installments?

There’s no sign up required! If you are accessing our website from anywhere in the US, you will see this option at the checkout, and there’s no need to enter extra information. Simply choose 4 interest-free installments as your payment method at checkout and enter your credit or debit card information. This is the card that’s going to be used for your scheduled automatic payments.

When is my payment due?

If you are unsure when your payment is due, you can always view your payments and check the due date in the Klarna app or here.

Due date of your ‘Pay in 4 installments’

As Sleeper uses ‘Pay in 4 installments’ service from Klarna, your payment will be automatically processed on the due date. When Sleeper has shipped your order or accepted the purchase, Klarna will send you an email with your due date and payment information. 

Good to know: To never miss a payment make sure to download the Klarna app here to receive notifications and reminders of your upcoming payments.

Can I pay earlier or later?

Sometimes you might need more time to pay or want to make an earlier payment. While the scheduled payment date for purchases paid with ‘Pay in 4 installments’ can’t be changed but you can choose to pay off the entire balance or one of the installments earlier.

You are able to make a payment for your Klarna credit statement any time between the 2nd and 26th of the month to cover at least the minimum due to avoid late fees and extra payments can be made any time.

To find more information, you can also log in to the Klarna app or click here and select the statement you would like to pay later or earlier and see if these options are available for that purchase. If none of these options are available, then it is not possible to change the date or pay earlier for that statement.

Follow the steps below to make an earlier payment or change the due date:

In the Klarna app

  • Log in to the app
  • Click ‘My Klarna’ to find the option to view your ‘Purchases’ or all your ‘Payments’
  • Choose the purchase or statement you want to pay earlier or later
  • If the payment options ‘Pay early’ or ‘Pay now’ are available for that purchase just follow the prompts to pay earlier
  • If the payment option ‘Snooze’ is available just follow the prompts to change the due date for a fee to pay later


  • Click here and log in with the email address associated with your account
  • Click ‘Purchases’ to find the statement you’d like to pay earlier or later
  • If the payment options ‘Pay early’ or ‘Pay now’ are available for that purchase just follow the prompts to pay earlier
  • If the payment option ‘Snooze’ is available just follow the prompts to change the due date for a fee to pay later

What happens if I pay later and will I be charged for paying late?

If we are unable to collect a payment on the scheduled day, Klarna will try again. If the payment is unsuccessful after a second attempt, a late fee of up to $7.00 will be added to your outstanding balance if you paid with ‘Pay in 4 installments’.

Missed payments will be added to the total of the next scheduled payment. To keep you in the loop, Klarna will send you an email notification if your payment was unsuccessful. Please keep in mind if payments get unpaid, you might be blocked from using our payment options in the future.

What happens if I don’t pay off my No Interest If Paid In Full promotion before it expires?

If you are part of a ‘No Interest If Paid In Full’ promotion, and you miss a payment, you will be charged the interest that accumulated since the transaction posting date at 19.99% APR. The amount of interest that has been accruing is tracked on the first page of your Klarna monthly statement. If you are late with your payment make sure to pay off the balance in full by the expiration date to avoid interest charges.

Note: If you’re going through hardships and need help to plan your future payments, please do not hesitate to contact Klarna customer service team here. We are sure you can find a solution together.

Which payment methods are accepted by Klarna?

Klarna currently accepts all major debit and credit cards (i.e. Mastercard, Visa, AMEX, Discover). Please note, prepaid cards are not accepted.

Still need help?

You can chat with Klarna representatives here or give Klarna a call from Monday to Friday: 8 am – 6 pm ET at 844-KLARNA1 (844-552-7621)

“Pay in 3″* service for Klarna customers from the UK, Italy and Spain:

*Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

How does Pay later in 3 interest-free installments work?

Pay later in 3 interest-free installments will allow you to spread the cost of your purchase at Sleeper over 3 equal payments. The payment for each installment will automatically be collected from the debit or credit card you entered at checkout. Your first installment will be collected when your order is confirmed by Sleeper and installments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.

Am I eligible for Pay later in 3 interest-free installments?

To use Pay later in 3 interest-free installments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free installments is subject to your financial circumstances. When choosing Pay later in 3 interest-free installments, our assessment will not affect your credit rating.

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

If you want to make a purchase with Klarna using Pay later in 3 interest-free installments, you’ll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case Sleeper or Klarna need to reach you. All communications will be sent to your email address. It’s very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Sleeper run credit searches against you that could impact your credit rating.

Why have I not been offered Pay later in 3 interest-free installments?

Although Pay later in 3 interest-free installments is widely promoted it is not always universally available. The Pay later in 3 interest-free installments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

What are my payment options with Klarna?

Payment for your Pay later in 3 interest-free installments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third installments are collected 30 and 60 days, respectively, after the first installment. You can always monitor your payments’ schedule in the Klarna app.

What happens if I cancel or return my order?

As soon as we at Sleeper have accepted your 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 installments purchase at Sleeper from the debit or credit card you entered at checkout. If Klarna is 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. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 installments’ product even if you have failed to pay on time.

I have been asked to go to the Klarna site. Is this correct?

You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Sleeper. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto and pay off early.

Have you received my payment?

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at

What happens to my statement, when I’ve returned the goods?

Once Sleeper has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you’ve made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

I’ve received a statement, but I’ve not yet received my goods.

In the event that your goods have not been received please call Sleeper to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.

I have cancelled my order. How long will it take until I receive my refund?

As soon as Sleeper has registered your cancellation or your return, the refund will be processed within 5-7 business days.

I have asked for a refund. How will I be refunded?

Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

I haven’t received an email with my statement/payment information.

You can log in the Klarna app or at, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch?

Visit Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options. Or you can:

  1. Use Live chat in Klarna app
  2. Call Klarna team on 0203 005 0834 between the hours of 9am to 6pm, Monday to Saturday

“Pay Now” service for Klarna customers from Italy, Spain, Netherlands, Germany, Belgium, Austria

No need to enter any lengthy card numbers, no need to create an account, no need for anyone to store your details.

Just use your own online banking details to make a purchase. With an immediate transaction confirmation your order will be processed immediately. Convenient and secure.

Choose Pay now with online banking.

Select your country and with the help of the bank’s sort code, choose the bank that will carry out the transfer.

Login and confirm purchase

Now you’re in the login section of the secure payment form. Log in with your own online banking login details. The information will be sent to your bank in an encrypted form. You will be asked for a confirmation code. Each confirmation code can be used only once and for your security cannot be entered a second time.

You’re done!

You will now receive a summary of your Pay now transaction or an order confirmation from the online shop. This gives you all information about your purchase in one place.

How secure is Pay now with online banking and how reputable is it?

When it comes to money security counts above all else. That’s why we designed Pay now with online banking to be one of the safest online payment systems possible. The online transfer is made using the established online banking login process combined with a confirmation code (TAN) that offers a high degree of protection from misuse as it can be used only once and then immediately becomes invalid. Entering your online banking login details, such as your PIN and the TAN, takes place exclusively in the secure payment form of Sofort GmbH and not on the merchant’s website. This ensures that the merchant does not gain access to sensitive information (such as PIN and TAN). The transfer of data occurs only via connections secured with up to AES 256 bits. Sofort GmbH itself does not store any sensitive information (such as PIN and TAN), but carries out the transaction solely as a technical service provider. The sensitive details (such as PIN and TAN) are never visible to third parties, including Klarna or employees of Sofort GmbH.

Are my sensitive online banking login details such as PIN and TAN stored by Sofort GmbH?

No! PIN and TAN are not stored and are never visible to third parties, including Klarna and employees of Sofort GmbH. This is no false promise, because Sofort GmbH places its our own compliance with data privacy regulations under close scrutiny.

Does the Sleeper have access to my account or sensitive information?

Certainly not! At no time does the merchant have access to your sensitive online banking details (such as PIN and TAN), which you enter into the encrypted payment form. Under no circumstances does the merchant have access to your account.

Does Sofort GmbH have access to my account or sensitive information?

In order to carry out the transaction, Sofort GmbH necessarily requires one-time access to your account. In this respect, Sofort GmbH functions as a technical service provider that transmits to your bank the information you put into the secure payment form via an encrypted connection. The Pay now system is a multi-banking software tool, used to operate your online banking.

How do I know I’m using a secure payment form and not a phishing attack?

“Phishing” means attempts by third parties to gain and misappropriate sensitive personal information (e.g. account number, PIN, TAN, credit card number) from recipients of e.g. “phishing emails”. These emails are imitations of those from trustworthy sources and, via a link contained in the email, seek to lead the recipient to a fraudulent website. At such a website (which in turn is also an imitation of the website of a trustworthy company), the victim is asked to provide personal information. With the help of the following characteristics, you can check the authenticity of Pay now:

  1. The Internet address (URL) must begin with (this means you are using the secure payment form. This url contains “sofort” as this was the original name of the payment method.)
  2. By clicking on the security certificate – in green, at the beginning of the URL – you can see that Sofort GmbH (Sofort GmbH is a Klarna Group Company) is the owner of the certificate. The lock symbol confirms that the connection is secure. Data transfers are carried out via secured SSL connections.

Is it true that the general terms and conditions of the banks prohibit the disclosure of online banking login details and TANs?

The assertion of a breach of the general terms & conditions (prohibition of disclosure of PIN and TAN to third parties) is not correct. The German Federal Cartel Office (Bundeskartellamt) made its position clear in February 2011. It deemed general terms & conditions of German banks, or their interpretation, which prohibits the use of payments with direct banking to violate cartel law and called upon the banks to enable non-discriminatory access for online payment systems that are independent of banks, such as Pay now (known at the time as SOFORT Überweisung). The banks have agreed not to claim publicly that users of payment methods such as Pay now were in breach of the banks’ general terms & conditions.

Are my purchases covered by Klarna’s Buyer’s Protection?

Yes. Klarna’s Buyer Protection covers all online purchases that you make as a consumer when you use Klarna and it is explicitly mentioned on the merchant’s payment methods selection page in its online shop. In the unlikely event that there is a problem with your purchase, Klarna’s Buyer Protection Policy (“Policy”) ensures that you don’t have to pay – or get your money back. The aim of Klarna’s Policy is to let you feel at ease when you shop in one of its partner e-stores. If your goods are not delivered or if there is something wrong with them, Klarna will help you resolve the issue. When you pay with Klarna, you can also trust that Klarna processes your personal data at the highest security level (read more in the section “Data Protection”).


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