Buy Now Pay Later Options

Klarna

Please note that pre-orders will have the payment taken to reserve the stock, which will instantly start any finance options.

Who is Klarna? Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of Smooth payments to more than 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Pay later in 4 work? Pay later in 4 will allow you to spread the cost of your purchase over 4 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Wave Spas and instalments 2 and 4 are scheduled 30 and 60 days later, respectively.

Am I eligible for Pay later in 4? To use Pay later in 4 you must be at least 18. Whilst this option is widely promoted, Pay later in 4 is subject to your financial circumstances. When choosing Pay later in 4, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 4? Klarna is unique and offers Pay later in 4 based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 4 by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

What do I need to provide when I make a purchase? If you want to make a purchase with Klarna using Pay later in 4, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

Will a credit search take place against me? Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Wave Spas run credit searches against you that could impact your credit rating.

Why have I not been offered Pay later in 4? Although Pay later in 4 is widely promoted it is not always universally available. The Pay later in 4 payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

What are my payment options with Klarna? Payment for your Pay later in 4 will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third/fourth instalments are collected 30 and 60 days, respectively, after the first instalment.

What happens if I cancel or return my order? As soon as Wave Spas have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due.

What happens if I don’t pay for my order? Klarna will automatically attempt to collect your payment for your Pay later in 4 purchase at Wave Spas from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment.

I have been asked to go to Klarna's site. Is this correct? You can view all of your Klarna purchases and payment schedule simply by logging onto Klarna.com.

Is my payment information safe? Payment information is processed securely by Klarna. No card details are transferred to or held by Wave Spas. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date? No, this is not currently possible for Pay later in 4 purchases.

Have you received my payment? Klarna will notify you via email and push notification when a payment is due and when this has successfully be collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments by logging in at www.klarna.com.

What happens to my statement, when I've returned the goods? Once Wave Spas has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments.

I've received a statement, but I've not yet received my goods? In the event that your goods have not been received please call Wave Spas to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment.

I have cancelled my order. How long will it take until I receive my refund? As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days.

I have asked for a refund. How will I be refunded? Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

I haven’t received an email with my statement/payment information? You can log in at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch? Visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options.

Monthly financing through Klarna issued by WebBank, member FDIC. Other CA resident loans made or arranged pursuant to a California Financing Law license. For further information click here.

ShopPay

Shop Pay is a wallet that helps you check out faster on participating stores by automatically filling in your saved email, payment, and shipping details. 

After you set up Shop Pay, you can manage your credit card and billing info from your Wallet in the Shop app. You can manage your shipping addresses in the Shipping addresses settings of the Shop app.  Learn more about managing your payment and shipping details. 

For details about what information Shop collects, and how it's kept secure, refer to the Privacy for Users of Shopify Apps policy.

Check out with ShopPay

To check out using Shop Pay through an online store, complete the following steps:

1. Tap the Shop Pay button on the product page, in your cart, or at checkout.
2. Enter your email address, or select the passkey icon in the email field.
3. Do one of the following: 
   • If you selected the passkey icon, then follow the prompts to sign in using your saved passkey. 
   • If you set up Shop Pay, then you’ll receive a six-digit SMS verification code to the phone number on your Shop Pay account. In the Confirm it's you section, enter your six-digit code. 
   • If you've previously verified your Shop email address when you set up Shop Pay, then you can click the Send me a code by email instead option. 
4. Review your order before it’s final.
5. Tap Complete purchase to finalize your order.

About Shop Pay Installments

Installments

Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments, both online and in store. Installment options vary by store and can be used on orders over $50 USD, including discounts, shipping, and taxes.

Payment plans

Purchases between $50 USD to $17,500 USD are eligible for Shop Pay Installments, with options to:

Pay in 4 for purchases $50 to $999

• Interest-free payments every 2 weeks
• No impact to your credit score

Pay monthly for purchases $150 to $17,500

• 3, 6, or 12-month terms
• Rates from 0-36% APR
• No impact to your credit score to apply

Note: Minimum purchase amounts may vary by retailer.

Eligibility requirements and credit score

You must be over the age of 18, reside in the US, and be paying in USD to use Shop Pay Installments.

Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.

Note: To use Shop Pay Installments you need a US shipping address.

Fees or penalties

For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.

You can pay your balance off early without penalty.

There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.

Restricted items

There are some items that you can’t use Shop Pay Installments to purchase, including, but not limited to:

• Cash advances
• Illegal items and activities
• Weapons, including parts and accessories
• Narcotics
• Regulated products such as alcohol, tobacco, or drug paraphernalia
• Currency, including cryptocurrency
• PayPal, Venmo, and other money transfer services
• Loan and credit card payments

Terms of Service

Learn more about Affirm’s terms of service or Shop’s terms of service. 

Disclosure

Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses.

For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. 

Affirm is the originator and servicer of Shop Pay installments, but payments are managed in your Shop Pay account.