Klarna Docs - BNPL Disclosure examples

BNPL Disclosure examples

When referencing Klarna products, it’s important to use the appropriate disclosure. Disclosures and risk warnings must be prominent, clear, and placed on the BNPL Product promotion itself. The risk warning itself must be prominent and should not be given less prominence than the potential benefits of the BNPL product being promoted.

Select from the pre-approved messaging and appropriate disclosure from below to include in your advertisement:

Product ReferencedApproved Partner MessagingRequired Disclosure
Generic (no invitation to credit)
  • Klarna available
  • Klarna available at checkout
  • [Klarna logo]
No disclosure required
Klarna brand "Buy Now Pay Later" messaging (no specific product referenced)
  • Shop now. Pay over time with Klarna
  • Get more time to pay with Klarna
  • Shop now. Pay with Klarna.
  • Pay smarter with Klarna
You must include a disclosure for every Klarna BNPL product that you offer. If you only offer either (i) "Pay in 3 instalments", or (ii) "Pay in 30 days", you only need to reference the product you offer (i.e. if you do not offer "Pay in 30 days", you do not need to include "Pay in 30 days" in the disclosure).

Full Disclosure:

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions

Partners Social Media (Facebook & YouTube):

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

Partner Social media (Instagram - Post) - Please include this disclosure underneath your post:

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA.Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. See link in bio for T&Cs.

Important: If you cannot provide a link in your bio for T&Cs then use the full URL in your post - klarna.com/uk/terms-and-conditionsLimited Space Disclosure:18+, T&C apply, Credit subject to status.
Pay in 3 instalments
  • Shop now. Pay in 3 with Klarna.
  • Split your purchase into 3 interest-free payments.
Full Disclosure:

Klarna's Pay in 3 instalments credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions

Partners Social Media (Facebook & YouTube):

Klarna's Pay in 3 instalments credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

Partner Social media (Instagram - Post) - Please include this disclosure underneath your post:

Klarna's Pay in 3 instalments credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. See link in bio for T&Cs.

Important: If you cannot provide a link in your bio for T&Cs then use the full URL in your post - klarna.com/uk/terms-and-conditionsLimited Space Disclosure:18+, T&C apply, Credit subject to status.
Pay in 30 days
  • Try before you buy.
  • Get it. Try it. Buy it.
  • Try before you buy. Get 30 days to pay.
  • Shop now. Pay in 30 days with Klarna.
Full Disclosure:

Klarna's Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions

Partners Social Media (Facebook & YouTube):

Klarna's Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. Subject to status. T&Cs apply.

Partner Social media (Instagram - Post) - Please include this disclosure underneath your post:

Klarna's Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders.. 18+, UK residents only. Subject to status. See link in bio for T&Cs.

Important: If you cannot provide a link in your bio for T&Cs then use the full URL in your post - klarna.com/uk/terms-and-conditionsLimited Space Disclosure:18+, T&C apply, Credit subject to status.

If you are ever unsure about which disclosures are required, please contact uk.comarketing.support@klarna.com