Finance FAQs

Klarna is a payment service provider, from Sweden, who take end-to-end responsibility for your payment. They support 60 million consumers worldwide in over 70,000 online stores and are very safe to use.

You can pay immediately with debit or credit card (Visa/Mastercard) in the checkout or take advantage of our Pay After Delivery payment option, where you can pay for the goods once you have received them via debit or credit card.

After BLK BOX has sent your order, you will receive an email with payment instructions, telling you when you need to pay by, it’s typically 30 days after the order is shipped. If you do not have your email to hand, you can contact Klarna’s Customer Service here.

Neither Klarna nor BLK BOX run credit searches against you that could impact your credit rating. Klarna may run a quotation search which is an enquiry which only you, and no other companies, can see and which does not affect credit scoring.

If you have paid for your order with card, the refund will be made back to the same card. If you paid using bank transfer, you will need to provide Klarna with your IBAN number in order for Klarna to make the repayment. If you have not paid the invoice yet, then the refund will reduce the invoice or cancel it completely.

Clearpay offer simple instalment plans, allowing a purchase to be paid for in four instalments, due every 2 weeks.

Simply choose Clearpay as your payment method at checkout. First-time shoppers provide payment details as usual, returning shoppers simply log in to make their purchase. It’s that easy!

After you check out, the goods will be shipped to you by the merchant. At any time, you can log in to your Clearpay account to see your payment schedule and make a payment before the due date. Otherwise Clearpay will automatically take the money from your debit or credit card every 2 weeks.

Please Note:

Clearpay does not approve 100% of orders. They are committed to ensuring that they support responsible spending.

When determining which orders to approve, they consider a number of different factors. As an example, the longer you have been a shopper with Clearpay and the more orders you have successfully repaid, the more likely you will be able to spend more.

Things to consider:

- Are there sufficient funds on your card (generally Clearpay looks to see the first instalment amount being available to spend)

- Length of time you have been using Clearpay (tighter in the first 6 weeks)

- Amount you have to repay, it may help to pay some off (not a guarantee)

- The value of the order you are trying to place, it may help to reduce the value of your shopping cart (not a guarantee)

- Adding a credit card may increase your spending power (not a guarantee)

- The number of orders you currently have 'open' with Clearpay (not a guarantee)

To sign up with Clearpay you need to:

• Be at least 18 years old

• Have a valid and verifiable email address and phone number

• Use a UK bank payment card - Visa or Mastercard Debit or Credit Card

• Be capable of entering into a legally binding contract

• Have a verifiable and valid ID

• Be living in the UK (England / Wales / Scotland & Northern Ireland) 

• No UK territories or British Forces Post Offices addresses are allowed

• No Isle of Mann or Isle or Jersey or Isle of Guernsey addresses are allowed

The good news is – you don’t need to register before your first Clearpay purchase!

When you make a purchase, simply choose Clearpay as your chosen payment method at the checkout. If you’re a first-time user then provide your payment details as usual to complete your purchase. Once this first order is approved, your Clearpay account is created.

All you need to do now is visit www.clearpay.co.uk and set up your password. The next time you purchase with Clearpay, just log in securely when you checkout.

Or you can download the Clearpay App to make the whole process even easier.

Clearpay does not charge a fee to shoppers when purchasing. The only fees applied to a shoppers account are late fees if your scheduled payments are unsuccessfully processed and, after being notified, you do not log in to your Clearpay account to make your payment via a different method. 

If you have not made the payment before the due date, and the automatic payment fails, you have until 11pm the following day to make payment.

After 11pm the following day, if that payment has not been made, you will incur a late payment fee of £6 and a further late fee of £6 if the payment is not made within 7 days (as stated in Clearpay's terms)

Clearpay are committed to protecting and respecting your privacy. They are part of the Afterpay Touch Group, which is level 1 certified by the Payment Card Industry Data Security Standard (PCI DSS).

This is the highest level of security in the payment industry. 

You can also read more here. 

Creating a Shop Pay Installments account won’t affect your credit score.

However, things like your payment history with Affirm, credit utilisation, and length of credit history may have an impact over time.

Shop Pay Instalments is available for most products within the eligible price range. However, gift cards and subscription products aren’t eligible.

No. Shop Pay Instalments is currently available only in the United Kingdom, United States, and Canada, subject to eligibility.

If you have questions about payments, loans, or your Shop Pay Instalments account, contact Affirm’s Help Centre:

• UK Help Centre
• US Help Centre
• Canada Help Centre