Klarna is a payment service provider that takes end-to-end responsibility for your payment on eligible YCMC purchases. Klarna’s services allows YCMC to offer you the ability to make purchases now and pay for them later to Klarna.

Shop YCMC and checkout as usual. If your shopping bag is eligible for a Klarna, then the option to select Klarna as a payment method will be presented at checkout.

You may be given the opportunity to use Klarna’s Pay Later in 4 Interest-Free Installments when shopping online with YCMC. There are no upfront fees when you use Pay Later in 4 Interest-Free Installments.

Pay Later in 4 Interest-Free Installments: Pay Later in Installments lets you split the payment for your purchase into a number of substantially equal payments to Klarna. The exact number of payments and amounts will be shared with you at checkout. The first payment is charged to your credit or debit card entered at checkout and each subsequent payment is, in installments, automatically charged by Klarna to the same credit or debit card every two weeks.

You can create a Klarna account and log in to the Klarna website or Klarna mobile app to get an overview of your purchases, view your upcoming payments and settle your due payments with Klarna.

Klarna currently accepts all US-issued major debit and credit cards (i.e., Mastercard, Visa, AMEX, Discover). Please note, prepaid cards are not accepted.

When you opt to use a Klarna method of payment, you agree to the terms and conditions of Klarna’s applicable Pay Later service under the Klarna Pay Later in 4 Agreement.

View the Klarna Pay Later in 4 Agreement here.

If there is a conflict between these FAQs and Klarna’s applicable Pay Later terms and conditions, Klarna’s applicable Pay Later terms and conditions will apply.

If you opt to make a payment for a YCMC order using Klarna, you’ll be providing, or directing the provision of your personal information, directly to Klarna. In this case, Klarna’s Privacy Policy applies.

View Klarna's Privacy Policy here.

For more information about Klarna, please visit their website here.