Frequently asked Questions

Who is Klarna?

We've partnered with Klarna, a payment service provider that provides you with the option of paying for your items in instalments at no extra cost. Over 60 million customers worldwide use Klarna to securely handle their payments at over 170,000 online stores.

How does Pay Later work?

Once your order is confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to try on your order. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card at

Am I eligible for Pay later?

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

How can I increase my chances of being accepted for Pay later?

Klarna is unique and offers Pay later based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

Will a credit search take place against me?

Neither Klarna nor V3 Apparel run credit searches against you that could impact your credit rating. Klarna may run an unrecorded enquiry or soft credit search that will not affect your credit scoring and will only be visible to you and Klarna.

Why have I not been offered Pay later?

The Pay later 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. Please contact our customer support for more help.

What are my payment options with Klarna?

You can pay debit or credit card immediately in the checkout or take advantage of our Pay later payment option, where you can pay for the goods once you have received them via credit card or debit card. What happens if I cancel or return my order? As soon as V3 Apparel have accepted your cancellation/return, then Klarna will cancel the statement of refund your payment.

What happens if i don't pay for my order?

Payment is due 30 days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due - you'll receive email reminders to pay - and, if very late, we'll also send you a text or letter, too. If you fail to pay Klarna for your order, your credit score will be affected.