Who is Klarna?
Frequently asked questions about the option "Pay in 3 installments without interest"
Klarna is a Swedish payment service provider that assumes responsibility for users' payments. Klarna is the provider of simplified payments for more than 200,000 online stores. So far, more than 85 million customers worldwide have relied on Klarna for their payments.

How does the "Pay in 3 installments without interest" option work?
"Pay in 3 installments without interest" allows you to defer the cost of your purchase in 3 equal payments. Payments for each installment will be automatically charged to the debit or credit card indicated at the time of payment. The first installment will be charged when the order is confirmed by BMD Bikers Moto & Dreams and the second and third installments will be 30 and 60 days later, respectively. You can always monitor the schedule of your payments in the Klarna app.

Who is entitled to the option "Pay in 3 installments without interest?"
To use the option "Pay in 3 installments without interest" you must be at least 18 years old. Although the option "Pay in 3 installments without interest"" is widely advertised,
is subject to your financial circumstances. By choosing to take advantage of the "Pay in 3 installments without interest" option, our analysis will not affect the user's credit assessment.

How can you increase the chances of being accepted for the "Pay in 3 installments without interest" option?
Klarna is unique and offers the option "Pay in 3 installments without interest"" based on a number of factors such as the value of the order, the order history and the availability of the item. If you are over 18 years old, you can increase your chances of taking advantage of the "Pay in 3 interest-free installments" option by making sure to provide your full name and accurate address, as well as to use your registered billing address for shipping. All orders are examined individually. Just because the user has used the "Pay in 3 installments without interest" option previously does not mean that he will be offered to use it for each order; and, if the
has been denied previously, it does not mean that it will be for all future orders.

What should the user provide when making a purchase?
If you wish to make a purchase with Klarna using the "Pay in 3 interest-free installments" option, you will need to provide your phone number, email address, current billing address and debit or credit card number. The mobile number is required in case we need to contact you. All communications will be sent by email. It is very important that we are provided with the correct data, because otherwise the payment schedule and any order updates may not arrive.

Will a credit search be carried out against the user?
Klarna may carry out so-called unass documented requests (or soft credit searches) that have no effect on the credit score and are only visible to you and Klarna, but are not visible to other credit institutions. Neither Klarna nor BMD Bikers Moto & Dreams conduct credit searches against you that could affect your credit score.

Why is the option "Pay in 3 installments without interest" not accessible to everyone?
Although the option "Pay in 3 installments without interest" is widely advertised, it is not always available to everyone. The option "Pay in 3 installments without interest" is automatically generated by algorithms that depend on a number of factors that include the address, cardholder data, order total, online store,
the history of previous orders and the availability of the item.

What payment options are available with Klarna?
Payments for installments of the "Pay in 3 installments without interest" option will be automatically charged to the debit or credit card indicated at the time of payment. The first payment will be charged when the order is confirmed. The second and third installments will be charged respectively 30 and 60 days after the first installment. You can always monitor the schedule of your payments in the Klarna app.

What happens if I cancel or return my order?
As soon as BMD Bikers Moto & Dreams accepts the cancellation or return, Klarna will cancel any future scheduled payments and refund any amount due. The return will be immediately visible in the Klarna app.

What happens if I don't pay for my order?
Klarna will try to charge payment for the installments of "Pay in 3 installments without interest" at BMD Bikers Moto & Dreams to the debit or credit card indicated at the time of payment. If it is not possible to charge the payment on the due date, Klarna will make a second attempt to automatically charge the payment two days later. If this attempt fails, Klarna will issue a bank statement for the full outstanding amount which will become payable 15 days later. Klarna will communicate the payment deadline two days before attempting to collect it and you can always monitor the due date in the Klarna application. If you do not pay on time using the "Pay in 3 installments without interest" option, your credit score will not be impacted.

The user was asked to go to the Klarna website. Is that correct?
You can view all klarna purchases and payment schedule in the Klarna app or by logging in to Klarna.com/uk.

Is the user's payment information safe?
Payment data is processed securely by Klarna. No card data is transferred or retained by BMD Bikers Moto & Dreams. All transactions take place with connections secured by the industry's latest security protocols.

Is it possible to pay before the due date?
Yes. Simply go to the Klarnba app or log in to the website Klarna.com/uk and pay in advance.

Was the payment successful?
Klarna will send an email notification and push notification from the Klarna application when a payment is due and when it has been successfully cashed, or in the unlikely event that the payment has failed. If a payment has been made but no payment confirmation has arrived, you can always check the status of your order and payments in the Klarna app or by accessing the website www.klarna.com/uk

What happens to the user's bank statement after the return of the goods?
Once BMD Bikers Moto & Dreams has received the return (partial or total) and the user has received the confirmation of receipt, Klarna will send a statement with an updated payment plan in the case of a partial return. With a total return of the goods, we will refund all payments collected and cancel all future planned payments. You can always monitor the status of your order in the Klarna app.

The user has received the bank statement but has not yet received the goods.
In the event that the goods have not yet been received, call BMD Bikers Moto & Dreams to check the status of the order and its delivery. You can also contact Klarna Customer Service so that we can postpone the payment due date or put your order pending in the Klarna app pending delivery.

The user has cancelled his order. How long will it take before I receive my refund?
As soon as the store has registered the cancellation or return, the refund will be processed within 5-7 working days.

The user has asked for a refund, how will it be made?
Refunds will be made to the debit or credit card that was originally given at checkout.

You have not received any emails regarding your bank statement or payment information.
You can access the Klarna app or the www.klarna.com/uk website, where you can find all your orders and scheduled payment information.

How can I contact Klarna if I have further questions about payments?
Please refer to the Klarna app or the Klarna Customer Service page for the full list of faQs, telephone numbers and live chat.