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What Is Klarna and How Does It Work?Updated 3 months ago

What is Klarna?

It is payment option that allows you to shop now and pay later by splitting your qualifying purchase into 4 interest-free payments.

How do I make a purchase using Klarna?
  1. Add $10 - $1,500 worth of items to your shopping cart. Exclusions apply.
  2. Choose Klarna as your payment method at checkout, after you fill up your information and pick your shipping.
  3. After you complete your purchase, check your inbox for a confirmation email from the service you picked.
  4. You'll see the first charge when your order ships. The remaining 3 payments will be automatically processed every 2 weeks.

What if I need to return an item ordered using Klarna as payment?

We want you to love your purchase, but if you are not completely satisfied, we gladly accept most returns by mail and in stores within 30 days of purchase. Returned items must be in original, saleable condition with original tags. Shipping and delivery fees are non-refundable.

Return Process

We will ask you to choose the item(s) and reason you wish to return, and then refunded preference:

  • Original Payment Method
  • Tote&Carry's Gift Card

Once we receive your mailed return, we will credit your account within 3-5 business days. It may take several days to post activity to your account.

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