Klarna Pay in 3, interest-free

How to use Klarna's 3x payment without fees?

Add an item to your mczdirect cart.
Proceed to checkout.
Select Klarna as your payment method.
Choose "Pay in 3 installments" and confirm your order.
All set, your order is coming soon!
Your payment is divided into 3 equal monthly installments: the first at purchase, then automatically every 30 days, without fees.

How does the Pay in 3 installments without fees service work?

The "Pay in 3 installments without fees" service is a type of credit allowing you to spread the purchase costs over 3 equal payments.

Pay in 3 monthly installments without fees from €70 purchase and up to €1500 on the mczdirect website. If the total amount exceeds €1500, the option will not appear.

Each payment is automatically charged to the debit or credit card provided during payment. The first payment is charged when the order is confirmed by mczdirect, and the second and third payments are respectively scheduled 30 and 60 days later. It is also possible to check the payment schedule in the Klarna app.

My product exceeds €1500. How can I pay for it in 3 installments without fees?

Simply order a gift card here for the amount exceeding the €1500 limit and pay for it in 3 installments without fees.

Here's the process to follow:

First order a gift card for the amount exceeding the €1500 limit, and pay for it in 3 installments without fees. mczdirect gift card
Then place a second order with your product.
Enter the gift card code in your cart: the remaining amount to pay must then be less than €1500 for the "Pay in 3 installments without fees" option to appear.

Example:
Your product costs €1900.

Order a €500 gift card and pay for it in 3 installments.
Then order your €1900 product and apply your gift card.
€1400 will remain to be paid, which allows you to activate the payment in 3 installments without fees.

Am I eligible for the Pay in 3 installments without fees service?

To use the "Pay in 3 installments without fees" service, you must be at least 18 years old. This option is very popular, but please note that it is offered subject to your financial situation.

How can I increase my chances of being eligible for the Pay in 3 installments without fees service?

Klarna offers a unique service based on a number of factors, such as order amount, order history, and item availability. If you are 18 years or older, you can improve your chances of benefiting from the Pay in 3 installments without fees service by providing your full name and address, and using your registered billing address as your delivery address.

All orders are subject to individual assessment. Thus, having previously benefited from the "Pay in 3 installments without fees" service does not guarantee that it will be possible to use it for every order. Similarly, if a request is rejected, this does not mean it will also be rejected for other orders.

What do I need to provide when making a purchase?

If you wish to make a purchase with Klarna using the "Pay in 3 installments without fees" service, you must provide:

your mobile phone number
your email address
your current billing address
your name, date and place of birth
a debit or credit card

The phone number is requested in case we need to contact you. All communications will be made through your email address. It is very important to provide accurate information, as otherwise you risk not receiving your payment schedule as well as updates regarding your order.

Will you perform a credit check?

Klarna may perform a soft check, with no effect on your credit score. This check is only visible to yourself and Klarna; other creditors do not have access to it.

Why wasn't I offered the Pay in 3 installments without fees service?

This option is very popular, but please note that it is not systematically offered to everyone. It is automatically generated by algorithms that take into account a number of factors, such as:

address information
the cardholder
the order amount
the online store
previous order history
item availability

How do payments work with Klarna?

Payments associated with the "Pay in 3 installments without fees" service are automatically charged to the debit or credit card provided during payment. The first payment is charged when the order is confirmed, then the second and third payments are respectively scheduled 30 and 60 days later. It is also possible to check the payment schedule in the Klarna app.

What happens if I cancel or return my order?

As soon as mczdirect has accepted the cancellation or return, Klarna will cancel all future scheduled payments and refund any amount due. This will be instantly visible in the Klarna app.

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

Klarna will automatically attempt to charge the amount due associated with the purchase with the "Pay in 3 installments without fees" service at mczdirect on the debit or credit card provided during payment. If we are unable to collect the payment on the scheduled due date, we will automatically retry two days later.

If this last attempt fails, Klarna will send a statement for the full amount due, with a deadline 15 days later. Klarna will inform you of a payment deadline two days before attempting to collect it. It is also possible to track the due date in the Klarna app.

If you miss a payment deadline, you may be subject to late fees and find yourself in default, with the consequence of no longer being able to use Klarna services in the future. Klarna may continue to attempt to collect overdue and due amounts on subsequent due dates, or charge separately for the unpaid total. If you do not pay for your purchases, Klarna may call upon an external debt collection company. This solution is however used as a last resort. For more information on late payment fees, visit the official Klarna website.

I was invited to visit the Klarna website. Is this correct?

It is possible to view all your Klarna payments and the payment schedule in the Klarna app.

Is my payment information secure?

Klarna processes payment information securely. No card data is transmitted to mczdirect or held by this merchant. All transactions take place through secure connections using the latest industry-standard security protocols.

Can I pay before the due date?

Yes. Simply go to the Klarna app to pay in advance.

Have you received my payment?

Klarna will inform you via email and a push notification in the Klarna app when a payment is due or has been successfully charged, or in the unlikely event that your payment has failed. If a payment has been charged but you have not received confirmation, you can check the order and payment status in the Klarna app.

What happens to my first statement when I return item(s)?

Once mczdirect has received the (partially or fully) returned order, and you have received confirmation, Klarna sends an updated statement with an adjusted payment schedule in case of a partial return. In case of a full return, we refund the charged payments and cancel any future scheduled payments. It is also possible to check your order status in the Klarna app.

I received a statement but I haven't received my items yet.

If you have not received your items, contact mczdirect to find out about the order and delivery status. It is also possible to contact Klarna customer service to postpone your payment due date or put the order on hold in the Klarna app while waiting for the items to arrive.

I canceled my order. How long will it take to get my refund?

As soon as the store has registered the cancellation request or return, the refund will be processed within 5 business days.

I requested a refund. How will it be processed?

Refunds are issued to the debit or credit card provided during payment.

I did not receive the email containing information about my payment/statement.

I have another question about payment, how can I contact you?

Visit the customer service page in the Klarna app to find a complete list of FAQs, live chat as well as phone contact details.

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