How to use Klarna-Tutorial for Klarna-Pay Later-Payment Plans
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- Опубліковано 7 жов 2024
- Want to know how to break up your purchase into four payments using Klarna? You need to watch this video. Not sponsored, just sharing my knowledge and experience.
#howtouseklarna #klarna #howto #payinfour #tutorial #klarnatutorial
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Super helpful! LOVE the fact that you actually did a purchase and showed us how to in detail and step by step. I like Daniel’s method btw 😄😄😄
So glad you found it helpful! I mean I can always find something to buy on Amazon lol, so I thought it was best to show the full process. Yes either method will work. Thanks for the feedback!
I'm a big supporter of buying music and physical copies of music. Sometimes the stuff I want is too expensive for a one time purchase. I tried this with an artist store and it worked! This is gonna be a very dangerous game! Lol, thanks for your help.
Oh man, this is going to make shopping online even easier! Thank you for this overview!
Your welcome! Have fun shopping lol!
I’m just starting to use Klarna and had no idea how to do this. Thanks!
Thank you for this I wasn’t sure how to use the app. Also Dan is a life saver, shout out to him
You are so welcome, I am so glad it was helpful! He will be happy to hear that! Might inflate his ego a little bit though lol.
First time purchasing on my Klarna app and got so confused when it came to pay, a little card popped up on my screen and I didn't know what the heck it was for!? 😂 Your video really helped me out otherwise I wouldn't know what I was doing! Thank you ❤
I am so glad you found it helpful! That was the goal of making the video.
God Bless and Definitely Loves you all 🥰 you’ll never regret living for him
Amen !
I have just started using Klarna online and it's great. A couple of questions for you, have you used Klarna in-store yet? If so, how did it work out for you and can you make a tutorial on that process?
Isn't Klarna amazing! I have not used in store yet, but thanks for the request and video idea I appreciate it!
I have you, you put in amount you need at the store I guess the total before you do that you put the location
Nice. Now I know how to use it so I will still receive my items first before I pay the whole amount
Thank you so much for this video. It was really helpful.
You are so very welcome. I am so glad you found it helpful!
You are great at explaining
Thank you! I try to make it easy for everyone to follow, so I really appreciate the feedback!
I got a Klarna ad before this 😂
Best thing I ever discovered was Klarna
oh my gosh same, makes me afford so many things so much more and it is so easy to use!
@@WonderlandBowtique Couldn't afford a car, job was killing me without one because I had to spend 20$ a day on uber!! Found Klarna I believe on a UA-cam AD, saw it before but didn't care, clicked on it though, did some research and purchased a bike for work and I'm picking it up today thank god!!
THANK YOU SO MUCH FOR THIS
You are so welcome, glad you found it helpful!
Thanks so much! Awesome Video, I Subscribed💯😁
This was helpful! Thanks!!
Great video. Super helpful, thanks a bunch
Thank you so much, glad you found it so helpful!
I love this...Quadpay copies the expire date too. I’ll make note to write the one for Klarna though
thanks.First time using it kinda impressive that you dont have pay upfront.
So helpful… Thanks!😁
So glad you found it helpful!
Klarna Goat
Thank you is an understatement for doing this type of video m because people like me exist lol . I just bought something on eBay and after they created my card I wasn’t able to make the purchase still, so I had to cancel . 🤦♀️
Oh my gosh you are so welcome, I am glad you found the video helpful! Then the $ went right back in your account, its an awesome service!
Very very helpful
Awesome, that is what I like to hear, that was goal! Thanks for watching!
Awesome thanks
Thank you!
You bet!
*GREAT VIDEO*
_But you left out many important factors_
[] *Up To How Much Are You Pre-Approved to Spend?*
[] *How Many Cards can you create while already using one*
[] *What are the penalties for late payments* ?
[] *How Do You Use Klarna in Store, & How to know what stores can you pay with Klarna*
This is a basis tutorial. I am not an Ambassador, I do not get paid for this, all those questions can easily be found by looking in the Klarna app or website under the FAQ. I am not going to explain every single little thing.
@@WonderlandBowtique i agree you don’t have to explain every single little thing but the video is 18 Minutes long if you get what I’m trying to say.
_18 mins is enough time to cover all major factors about the app._
But thank you anyways I’ll keep scrolling for other video’s that might answer my questions.
@@RiNiSM boy what? You make a Klarna video explaining everything in 18 minutes then 😂
Great video, very helpful
Thank you so much I appreciate it!
This was very helpful fr
Awesome, thanks so much for watching! I am so glad it was helpful!
This was so helpful thanks.
Awesome! Glad you found it was helpful!
Not so fast.
What country do you live in?
Klarna doesn't work in all countries.
Might be unlucky like me and end up in serious problems as kl Arna won't tell when your payments are denied.
The App is so poorly constructed it's going to give financial problems.
Don't use klarna. They have no customer service and expect you to pay for their problems.
It cost me 450 euros in added fees to use them. They won't tell you.
@@balderedda I live in the United States. I do not work for and I am not an ambassador for Klarna so I cannot speak to everything with the company. Lots of people have had success with the app including myself, every situation and person is different I guess. Sorry that was your experience.
So if you want to order something on Amazon with Klarna there are two steps? Like first create the ghost card from Klarna for the total cost of the items + tax. Then again purchase the items on Amazon and paste the card in the payment info? I hope I’m getting this right because I want to purchase a stand mixer on Amazon with Klarna for the first time!
I think you’re correct
Yes you are correct. Just make sure you change your payment option at the end at your checkout with Amazon, because mine defaults to my normal payment method, so just make sure to add the card, and paste it in. Let me know how you love your stand mixer!
Did it work??
@@esmemalik11 Yes, works every time. I use Klarna all the time.
Hi, thank you for the information, How do i get a refund ?
When your using Klarna? Do you get the item while paying it at the same time or do you have to pay it entire before receiving it?
You receive the item while you are still paying for it.
I feel like this could get dangerous 😅 Thanks for the how to! Very helpful!
You are so welcome! It is a great way to shop, but absolutely an easy way to shop without realizing how much you spend lol!
@@WonderlandBowtique what bank works with Klarna so far all the ones I have and tried have failed can you tell me which one you use so I can open an account with them I’ve been tryna do this for over a month without asking
@@YoungQuilleBrB Hi! All debit and credit cards are accepted except American Express or pre-paid cards. Here is a link to the information. What type of card have you been trying to use?www.klarna.com/us/customer-service/which-payment-methods-are-accepted-by-klarna/
Thank you so much this was so helpful
Awesome! So glad you liked it, thank you!
Great video yes I heard good things about it. Questions Do they ship your things after you paid in full?
at the time of purchase
I'm planning to buy a $1238 tool for workshop.
If I decide to pay with Klarna, is the store receiving money from Klarna fully upfront and the store will ship my order immediately ?
Or Klarna pays store every 2 weeks and store will ship after first payment ?
I'm new to this. Thanks
Your order processes just as if it was paid in full. So at the time of order, your order starts to process and is shipped out to you.
@@WonderlandBowtique Where do I see my next payment?
Thank you so much your amazing !!❤️
Thank you!!!
How does Klara make money ?
Do they upcharge items through the app and then keep the spread ?
Hi! I did a quick Google search. But no they do not upcharge for the items. Which is great for the consumer, but my search says: They make money by charging fees for e-commmerce merchants and consumers who pay late and working as a payment processor. Lots of articles on their business model are out there because a lot of people ask that question!
Hey! I normally use Klarna for online clothing/shoes shopping and that’s it. But do you know if Klarna works for Airbnb, (btw I have a large amount im approved to use and I know the airbnb cost wouldn’t go over that amount)
I have never had an issue using it on any website. I hope you try and see if it works. It has worked on every website I have tried.
I have a question. After the 2 weeks hit, does it automatically take your money from your card?
Yes, it is an automatic debit from your card, every two weeks.
Thank you this is helpful! But have some questions and hope you can help answer:
- How exactly did you pay Klarna/Amazon? Since Amazon created a ghost card for you (not a real debit/credit card), how were you able to pay? Is that ghost card link to your debit/credit card, bank account, or Klarna account with credits?
- You mentioned that the ghost card is a one time use but also is valid for 24hours. So lets say you purchased again in Amazon on that same day, would the same ghost card be used again or Amazon will create a new ghost card?
Thank you!
In my video I show how you copy and past the ghost card number and use it in the payment section for Amazon. You have to set up your account with Klarna and link your debit/credit card (AMEX is not accepted though) and as far as the 24 hour card, you have 24 hours to use that card to make your purchase. A One-time card can only be used once and expires after 24h. If you want to make another purchase, just create a new card and keep on shopping.
@@WonderlandBowtique Thank you so much! 😊😊😊
i do everything and open amazon through klana but the pay with k. doesnt appear
@@Orxmx are you opening amazon directly through Klarna? If not you can try the other method in the tutorial which is where you copy the ghost card information and pay directly in Amazon.
So they will take the money out your check
It comes out of your bank account with your debit card associated with the Klarna account. It is an automatic withdrawal every two week.s
My first time using Klarna & tried to buy a stroller and it says "Sorry, we couldn't approve this purchase" - why is that?
It may have been more money then you are approved to use or it could be a vendor that does not support klarna
When the male voice came from nowhere I thought another page on my phone was open 😂😂😂
What happens if you accidentally put a little bit more money in the “how much is your purchase” section? Does Klarna charge it or do we get it back
The additional amount falls off. There is a temporary charge for the additional amount in case your purchase price changes, and then your 4th and final payment is adjusted accordingly. So you do get it back.
It always give you the option after purchase to adjust and credit the overage
How do you add money on the card
So I can put money down on something and it will be delivered to my house and I just make payments on it?
You make the first payment at the time of purchase, then make automatic payments every two weeks after. Your order ships at the time of the order, so you receive your goods while you are still paying on them.
Hey so when I’m using Klarna that Klarna screen on the bottom is all greyed out, does anyone know what the problem is exactly ?
I would check out the Klarna Customer Service. They have phone and chat available: www.klarna.com/us/customer-service/
Are the payments every week or every 2 weeks?
Good question, they are every 2 weeks. For me it helps budget with pay dates and I try to order when I get paid so it comes out when I get paid the next time.
really need help how do i create da card!! to purchase
I am not sure what part you need help with. You need to give more details and information. I would suggest checking out the Klarna FAQ page on their website too.
Should I put same billing address?
Your billing address should be your actual billing address, if it's different than your mailing address put the correct infromation in there.
6:53 If there is return you need to do, who do you contact. Klarna or Amazon?
Hi, you would contact the vendor you are making the purchase from if you need to make a return, just like a normal purchase. So in this case it would be Amazon.
Qhen you use it and make the first payment when do you get ur product?
Sorry, I lost track of my comments. Your items should be processed at the time of shipment, and you should receive them in normal processing time.
Do you have to have the full amount(all 4 payments) on your card or just enough for the first payment?
You need enough for the first payment to come out at the time of purchase. Then equal installments are deducted every two weeks.
@@WonderlandBowtique thank you 🙏 soo much for the speedy reply
@@jareds5401 of course, you are totally welcome. Happy Shopping!
So if you don’t have enough for the full payment but enough for the first payment is that fine? (The rest will be there just not at this moment)
@@petitepear893 Yes that is correct, you only need to have enough for the first payment at time of purchase. Then the rest of the payments are auto debited from the card you set it up with.
U can't go to boost mobile and use Klarna
I have a question I don’t know if you would understand me but you see how you put the 10% and it came up to $82 something but your actual total was $77 do they lower your next payments since your total wasn’t actually “$82”
Thank you btw..
When Amazon submits the purchase for 77, Klarna will Pay the $77 and Hold the $5 dollars for a couple days to make sure no further charges come thru. Klarna will then adjust the 4 payments to equal $77 instead of $82.
Ohhh Okay I got it thanks alot! ☺️
So if I buy with Klarna from Amazon when I make the first payment they still ship it when you get next day delivery on amazon
Yes that is correct. Shipping is normal through the vendor you are purchasing it from. So if it is next day shipping, it ships next day just as normal, even though you have not paid in full for the purchase.
How do you pay each month
It is automatically debited out of your account every two weeks with the payment method you set up at the time of purchase.
Thank you!
You are so welcome, glad you found it helpful!
I hope you see this comment so I put it on finance do I get it when I 1st put it on finance or do I get it once I fully paid it off
You should have received right away after purchase and shipping time. You get your item while you are still paying on it.
What happens if we are late on payment ?
From what I know they charge you more and block you using from the system and then they will come after you via collections.
Questions so every time you make a purchase you get a different ghost card Number?
Yes, each new purchae is a new ghost card.
The pay with Klarna button doesn’t show up for me anywhere
Use the other method explained in the video. Where you create the card then copy and paste the information into the checkout portion.
i’ve been looking everywhere for an answer to this bc i wanna know if i could use it or not but how does klarna verify your age, like i know their age limit is 18 but im almost 18 so could i lie to them lol
I am not sure if they verify a birthday or not. I know the verification is with the card and account to make sure your purchase goes through. So I guess essentially you could give a different date and just see what happens.
I would like to know how to use it for a plane ticket
Works the same way as I demonstrated in the video
So I want to purchase a gift for my husband and pay back the amount in weeks but im confused because I read it takes the money from my actual bank then I start paying in halfs so im lost ?
You make your first payment at time of purchase, then every two weeks a payment comes out. The item ships at the time of purchase, so you will receive it while you are still paying on it.
Does this have anything to do with ruining your credit and applying for multiple credit cards ?
The pay in 4 option is a soft pull on your credit, meaning they do not run your credit. If you apply for the financing option then yes they pull your credit.
When u do the first payment does your order still ship or do u have to wait till you pay it all off to get your order?
Your item ships at the time of your first payment.
@@WonderlandBowtique can you use a cashapp or greendot debit card
What day does it take out the money like every 2 weeks on Friday
Takes it out on two weeks to the date you made your purchase. So if you made your purchase on a monday, its two weeks later on a monday. That way you can plan accordingly.
So when you make the ghost card and place the purchase do you get charged every 2 weeks on the day you place your order?
Yes so if you make the purchase on a Thursday, two weeks later the payment is due again on Thursday.
@@WonderlandBowtique thanks for letting me know. Made a purchase on my pay day ,so I should be getting charged every 2 weeks when I’m paid.
@@NanaVSTata Awesome, glad it worked out!
Hello for amazon can you sign in or do you just search everything that you are looking for and then check out??
You can load up your cart first and then go through Klarna or you can shop within the app. Either way works.
When is the first payment due? How far apart do they make the payments?
all of this is answered in the video
Thank you, two question, 1. the amount of the card that u created is greater than the actual purchase, so will u be paying more at the end or the difference refunds to the account
2. Will there be a hold on the original payment method for the total amount
You are refunded any overage of your purchase. There is no hold on the account for the full amount, they just take out the first payment right away like a normal online purchase, then you have an automatic every two weeks after that.
It says "failed to get installment plan" on there. What do I do?
Was that the exact error message or did it say more? Did you receive an email with any information from Klarna?
How to sell your products on klarna
Klarna is not a website, it is a payment plan service. I am not sure how to set up Klarna as a payment plan for your goods and services if that is what you are looking for. I would look on Klarna's Q and A website for that information and see if you can find the answers you are looking for.
There wasn't any where they said anything about the "limit". I wanted to do what is the Trek card did previously- 12 months deferred interest so it it is paid during the promotional period there is no interest. I have done many purchases this way with other cards.
I'm new to klarna do you pay a little bit at a time to get your item delivered to you ?
If you watch the tutorial, it explains that payments are taken out every two weeks. You receive your item, at the time of purchase, there is no delay in receiving it. So you receive it while you are still paying on it.
I have a question Your first payment was like due right away when you order i mean the first installment so when you make a ghost 👻 card for one time purchase how Klarna will deduct the first installment right away ?? Is it from your bank account direct
Yes, it is from the account you set up with them through the app. So the 1st payment is deducted from your bank account the day of purchase. Then two weeks after and so forth until its paid off comes out of your account.
@@WonderlandBowtique thank you so much for the information 😊
When I pay a part of it , do I still receive the product or I have to pay full amount until I actually receive the order ?
Hi Rosa, you will receive your order while you are still paying on it.
Can you not pay early on amazon? I noticed in the video it doesn’t give u the option at around 4:27 it just shows “more” and I want to pay early but i also don’t have the option
Yes, you can pay early. In the app click on my Klarna>payments>select the order and click payment options
Do you get your order after the first payment?
At the time of your first payment the order starts processing. It is no different than any other online order. You receive your item while you are still paying on it.
@@WonderlandBowtique 🙏🏽
Does it work with apple
Yes
It won't let me make a one time card
Try going on the Klarna QA website to see what the issues are I am not sure what the issue is since you did not give any detail
I don't see where to Pay with K?.
I'm in the klarna app, in Amazon cart but I don't see how to pay with Klarna. I'm legally blind. Thank you.
I am not sure how to assist if you are legally blind. Use the other method in the video to create a one time card and copy the card number in at checkout. I am not sure if they have any services for legally blind customers.
They keep denying my card I’m with PNC Bank, what do I do?
Depends on the reason you are getting the denial, I would look on the Klarna website and see if you can find an answer
Just a hypothetical question, what if I buy something and like for my 3rd payment I don't have the full amount? Will I go In negative?
I found the answer on Klarna's website: www.klarna.com/us/customer-service/is-there-a-late-fee-for-4-interest-free-installments/ looks like there is a fee and they keep trying to charge you until it goes through, then gets tacked on to the next payment
Can I get a console on here I seen the Xbox series s for $34.99 so that’s possible for monthly payments?
Depends on if the online store accepts Klarna, give it a try and see.
How do you use klarna to purchase an item that's bid for eBay
same way as any final purchase as explained in the video
I want to know Does it work on ebay also?
I have been told it does, but I do not know for sure. I would check the Klarna FAQ page to see first before relying on it as your payment method. In another question a viewer said it worked for them, but I personally haven not tried it.
do you get your order before finishing paying?
Yes you do. You have your goods before you finish paying.
Can you use a greendot card
Why is it when I’m using klarna it doesn’t let me buy things it says this payment don’t work with this method like I’m confused
if you create a ghost card directly in “My klarna” tab in klarna app , will you need to enter the purchase amount and installment plan？
Yes, you need to manually enter the purchase amount and then chose the debit option or if you are applying for the credit option which is a credit inquiry.
I didn't know how get the card I was trying to purchase concert tickets and it says that is not enough founds and it charged twice my debit card
A question - will the store know you're using Klarna? I have a fear of them thinking that I've underpaid and they'll think I'm trying to steal or something lol, thanks again!
Honestly, I do not know, but I do not think it matters. I tried to see if there was anything on Klarna's Q and A but didn't find anything. I am not sure if it is something you really need to worry about.
They know but it only matters if you return so they know what form of payment you used
I see that your final total was lower even after tax. Will they still charge you for that full $80?
When you set a certain amount, let's say 75$, and the total is 60, you will be charged a quarter of the 75, so 25$ for the first payment. The extra money is withheld for a few days, and Klarna will adjust the charge meaning instead of paying 25 every 2 weeks, you will be paying 20$
@@justsonya8196 okay thank you
Do you have to pay interest?
No its 0% interest
Are you able to pick a date when to pay things off for example if you get paid on a certain date can you just put it down to get the money taken out of bank then or is it different
I know you can pay things earlier, so I had to do some research and found this information via Klarna, looks like you can:
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
My question I been wondering is do you get the stuff after just paying the first payment or do you have to wait to make all payments before you get the stuff you ordered?
You receive the item while you are paying for it. At the time of purchase it begins the shipping process.
You have to link bank accounts instead of just your debt card?
I linked my debit card