Klarna is a payments service that helps you buy the things you want or need. Right now, over 100 million customers worldwide use Klarna at over 200,000 online stores.

Klarna’s pay in 3 instalments is a credit product that lets you spread the cost of your purchases over 3 equal payments. Klarna will take the payments from your debit or credit card directly so you don't have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app. 

You need to be at least 18 years old and a UK resident to use Klarna’s credit products including pay in 3 instalments. When you choose Klarna they will also check the information you provide and your financial situation. 

Yes, you can. If you see Klarna pay in 3 instalments when you go to an online checkout then pay in 3 instalments is available to you. Every time you use pay in 3, Klarna will check to see whether you can use pay in 3 again for each additional purchase. 

Klarna offers pay in 3 instalments based on a number of factors such as the purchase amount, and previous booking history. You can improve your chances of being offered pay in 3 instalments by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All bookings are assessed individually. Just because you have been accepted for pay in 3 instalments before does not mean it will be offered for every booking. In turn, if your application for pay in 3 instalments is denied, it does not mean it will be denied for future bookings. 

If you want to purchase a ticket using Klarna’s pay in 3 instalments, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.

When you use pay in 3 instalments, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase. 

Klarna will take your pay in 3 instalments payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app. 

Yes. Just go to the Klarna app or log onto Klarna's website. 

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

Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your booking and payments in the Klarna app or by logging in at Klarna's website. 

Pay in 3 instalments is a credit product and you are required to make your scheduled payments to Klarna. If Klarna is unable to collect your payment on the scheduled due date Klarna will make a further attempt to automatically collect payment seven days later. Should this next payment attempt fail, Klarna will make a final attempt to collect payment seven days later. They may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here. 

If you don't make your payments you will be in arrears as pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future.

Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.

As soon as Cathay Pacific has confirmed with Klarna that your cancelation has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately. 

As soon as Cathay Pacific has registered your cancelation, the refund will normally be processed within 5 business days. 

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

Once Cathay Pacific has received the cancellation and Klarna have received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your booking in the Klarna app. 

You can log in to the Klarna app or at Klarna's website , where you will find all of your bookings and payment schedule information. 

Visit Klarna’s Customer Service  page for a full list of FAQs, live chat and telephone options.