Klarna is a leading global payment service that helps you buy the things you want or need. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores. Klarna offers direct payments, pay-after-delivery options and instalment plans.

Klarna’s Pay in 3 is a credit product that lets you spread the cost of your purchases over three equal interest-free 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 from Ice Equestrian Ltd, the second 30 days later, and the final payment 60 days from your purchase date. You can see all your past and future payments at any time by 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. When you choose Klarna they will also check the information you provide and your financial situation. The check will not affect your credit rating.

Pay Later with three interest-free instalments is a unique offering from Klarna, which is dependent on multiple factors such as the purchase value, past shopping history, and availability of the product. Making sure you include your full name, correct address, and shipping to your registered billing address will increase the likelihood that you, as an adult (18 years of age or older, will be offered Pay later in three interest-free instalments). Every order is evaluated individually. It's not guaranteed that a Klarna payment option you've previously been approved for will be available for every order, and vice versa. Just because it's declined once does not mean it will happen again.

Yes, you can. If you see Klarna Pay in 3 when you go to an online checkout, then it 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 interest-free instalments based on a number of factors, such as the purchase amount and previous order history. You can improve your chances of being offered Pay in 3 by ensuring you provide your full name, accurate address details, and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 3 before does not mean it will be offered for every order. In turn, if your application for Pay in 3 is denied, it does not mean it will be denied for future orders.

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

When you use Pay in 3, Klarna will perform a soft credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase. Your credit score is not affected.

Klarna will take your Pay in 3 payments from the debit or credit card you shared when you made your purchase from Ice Equestrian Ltd. 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 date you made your purchase. You can see both past and future payments using the Klarna app.

Yes, you can. Just go to the Klarna app or log onto Klarna.com/uk.

Payment information is processed securely by Klarna. All transactions take place through connections secured with the latest industry-standard security protocols.

Klarna will notify you by email, SMS, or push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

If you don't make your payments, you will then be in arrears, as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies, which may affect your credit score. 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.

In the event that your goods have not been received, please call Ice Equestrian Ltd to check on your order and delivery status. You can also contact Klarna’s customer service so that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive to you.

As soon as Ice Equestrian Ltd. has confirmed with Klarna that your cancellation or return 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 Ice Equestrian Ltd registers your cancellation or your return, the refund will normally be processed within 5 business days. This does not include weekends.

Refunds will be issued to the debit or credit card that was originally used at checkout when your order was placed.

Once Ice Equestrian Ltd has received the return and Klarna has received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to check the status of your order in the Klarna app.

Once Ice Equestrian Ltd has received the partial return and Klarna has received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to check the status of your order in the Klarna app.

You can always log in to the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

You can go to the Klarna app. Visit Klarna's Customer Service page for a full list of FAQs, live chat, and telephone options for any other information you need help with.

Klarna is a leading global payment service that helps you buy the things you want or need. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores. Klarna offers direct payments, pay-after-delivery options and instalment plans.

Pay in 30 Days is a credit product that lets you pay any time within 30 days of your purchase, interest-free. You can make this payment using a credit or debit card on the Klarna app or by logging into www.klarna.com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can view all your past and future payments at any time by 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 30 days. When you choose Klarna, they will also check the information you provide and your financial situation. The check will not affect your credit rating.

Yes, you can. If you see Klarna Pay in 3 when you go to an online checkout, then it is available to you. Every time you use Pay in 30 days, Klarna will check to see whether you can use Pay in 30 days again for each additional purchase.

Klarna offers Pay in 30 days based on a number of factors, such as the purchase amount and previous order history. You can improve your chances of being offered Pay in 30 days by ensuring you provide your full name, accurate address details, and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 30 days before does not mean it will be offered for every order. In turn, if your application for Pay in 30 days is denied, it does not mean it will be denied for future orders.

If you want to purchase something using Klarna’s Pay in 30 days, you'll need to share your phone number, email address, current billing address, and your credit or debit card details. If Klarna needs to talk to you urgently, they'll use the phone number you've shared. For any other information Klarna needs to share with you, they'll send it to your email address.

When you use Pay in 30 days, Klarna will perform a soft credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase. Your credit score is not affected.

You can pay any time within 30 days of your purchase, interest-free. You can make this payment using a credit or debit card on the Klarna app or by logging into www.klarna.com/uk. Klarna will send you a confirmation email once your order is confirmed with all the full details. You can also view all your payments using the Klarna app.

Yes, you can. Just go to the Klarna app or log onto Klarna.com/uk.

Payment information is processed securely by Klarna. All transactions take place through connections secured with the latest industry-standard security protocols.

Klarna will notify you by email, SMS, or push notification when a payment is due and when you have made or missed a payment. You can always check to view the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

If you don't make your payments, you will then be in arrears, as Pay in 30 days is a credit product. Klarna may then share information about your missed payments with credit reference agencies, which may affect your credit score. 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.

In the event that your goods have not been received, please call Ice Equestrian Ltd to check on your order and delivery status. You can also contact Klarna’s customer service so that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive to you.

As soon as Ice Equestrian Ltd. has confirmed with Klarna that your cancellation or return 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 Ice Equestrian Ltd registers your cancellation or your return, the refund will normally be processed within 5 business days. This does not include weekends.

Refunds will be issued to the debit or credit card that was originally used at checkout when your order was placed.

Once Ice Equestrian Ltd has received the return and Klarna has received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to check the status of your order in the Klarna app.

Once Ice Equestrian Ltd has received the partial return and Klarna has received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to check the status of your order in the Klarna app.

You can always log in to the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

You can go to the Klarna app. Visit Klarna's Customer Service page for a full list of FAQs, live chat, and telephone options for any other information you need help with.