Shop now and pay later online. Online payment service Klarna

The Klarna online payment service operates on a “buy now, pay later” basis. The buyer does not pay for the purchased goods until it is brought by a courier delivery service. To place an order, the consumer only needs to indicate their postal address and e-mail.

The Klarna system was created in 2005 by three Swedish students Sebastian Siemiatkowski, Niklas Adalberth and Victor Jacobsson. Currently, the service is used by more than 8 million customers in Sweden, Norway, Finland, Germany, Denmark, the Netherlands and Austria. For 7 years, more than 50 million transactions have been carried out through Klarna. Last year, the service's turnover exceeded €160 million (1 billion SEK).

Thanks to Klarna, it has become available for those who do not want to pay for the purchase of a “pig in a poke”, and for those who are afraid to “shine” the data of their plastic card. The service assumes the risks of both parties to the transaction. The seller is guaranteed to receive money for the purchased goods, and the buyer pays for the purchase after receipt.

The seller connected to the system sends information about the order to the service. Klarna checks the received data and transfers the money to the seller's account. The buyer on the website of the online store clicks on the link "buy with Klarna" and goes to a page where he enters information about himself. In Sweden, it is enough to indicate the social security number, in other countries - e-mail.

There are two payment options for goods - Klarna Invoice and Klarna Account. Klarna Invoices (paper, electronic, SMS) are sent with the goods. They are convenient for single purchases in individual stores. Payment must be made within 2 weeks after delivery.

Klarna Account allows you to purchase goods in different stores. The total invoice is sent to the client at the end of each month. To cancel your account, you must pay off the debt, if any. Swedish Klarna users can make payments using mobile phones.

Despite the small amount of information about customers, the level of fraud in the system is minimal. The service uses a special algorithm to verify transactions. In case of suspicion of fraud, the system requests additional data about the client. Today, more than 15,000 stores cooperate with Klarna. Sellers install ready-made service modules on their websites for free.

Swedish online payment service Klarna allows customers not to pay for goods until they are delivered. To complete the purchase, the consumer only needs to indicate his e-mail and postal address.

In 2005, three students from Sweden created a system for paying for purchases in Klarna online stores. To date, the service is used by 8 million people in Sweden, Finland, Norway, Denmark, Germany, Austria and the Netherlands. For seven years, 50 million transactions were carried out through the system. The company's turnover last year exceeded 1 billion Swedish kronor (approximately 160 million euros).

The main idea of ​​Klarna is to make online shopping possible for everyone: and for those who are afraid to "shine" data credit card, and for those who do not want to pay up front. The company assumes the risks of both parties: the seller in any case receives money for the shipped goods, and the buyer pays only after he receives the purchase.

The seller connected to the service sends information about the order to the company. If the verification is successful, Klarna transfers the money to his account. When a consumer clicks on the "buy with Klarna" button on the store's website, they are redirected to a page where they only need to enter information about themselves. IN different countries the requested data is different. For example, in Sweden the buyer enters his social security number, in other countries - the address Email. If he has already made purchases using the service, the rest of the forms will be filled in automatically.

The buyer can choose one of two payment methods: Klarna invoice or Klarna Account. Payment by invoice is convenient for a single purchase in a separate store. The invoice is sent along with the item. At the request of the client, it can be paper, in electronic form or in the form of SMS. Payment must be made within 14 days of delivery.

A Klarna account allows you to make purchases in different stores. In this case, the invoice is sent at the end of each month. The client can cancel the account at any time by simply paying off the debt. Swedish users of the service, among other things, have the opportunity to complete the payment using a mobile phone.

Even though Klarna knows so little about its customers, it encounters little to no scams from them. To protect its business from unscrupulous customers, the company has developed its own fraud detection algorithm based on millions of purchases made. Permission to purchase is issued to the customer in less than a second. If the email address seems suspicious, then the algorithm will ask for more information about the client.

Now the service cooperates with 15 thousand stores. Merchants can install pre-built Klarna modules on their website for free. The company claims that its trading partners recorded a 30 percent increase in sales. In the next two years, the service plans to enter the US market.

Similar service called "Pay later" was recently launched in Russia. True, authorization in it is carried out through social networks.

SERVICE IS TEMPORARILY UNAVAILABLE

Almost every person at least once in his life has a situation when a particular product needs to be urgently purchased, but there are not enough financial opportunities for this. Such an "emergency" product can even be regular smartphone- in case the previous one was stolen from the user along with cash.

Other people simply cannot overcome their own "Wishlist" at the sight of a fancy flagship, which is offered at a very nice price. At such moments, it is as if a fuse is blown in the brain, and the client demands to wrap the product "here and now." A financial issue is resolved by obtaining a loan.

A loan is a convenient service when there is a shortage of money, but not for everyone. After signing the contract, the bank provides the client with money for the purchase, and then monthly collects them back with a certain percentage on top. The total overpayment to the bank can be 30% (or more) of the purchase price. If parting with an additional three thousand rubles in excess of ten thousand is still not so expensive, then, for example, with a price of goods of 60,000 rubles, in some cases it will be necessary to “donate” to the bank more than 18 thousand. For this reason, not all clients are mentally prepared to apply for a loan.

People who are able to pay off the debt in six months or even faster want to get involved with a loan even less. Fortunately, at present, the service "goods by installments" is actively developing on the market.

When making an installment plan, the buyer must give the bank exactly as much money as the goods cost, and not a penny more. Moreover, most often there is no even an initial payment. It doesn't get any more convenient - you can use a newly acquired gadget right away, and then pay for it "a little bit at a time". This is especially convenient for people who find themselves in an emergency situation, who do not know how to save money, as well as for those who are annoyed by piggy banks that fill up too slowly and reluctantly.

NOTIK is a modern store, so we also provide customers with the opportunity to purchase goods by installments. Next, we will consider this service in more detail and compare it with the offers of competitors.

What are the advantages of buying in installments in NOTIK?

After a little comparative analysis, customers come to the conclusion that the conditions we offer are more "tasty" than those of competitors.

1) Installments in NOTIK can be issued for the purchase of both cheap (from 3,000 rubles) and expensive (up to 200,000 rubles) goods.

2) After completing all the bureaucratic formalities, the client can go home with a brand new electronic device without paying a penny for it - i.e. no down payment.

3) The buyer is obliged to pay off debts within six months, which means to pay amounts acceptable to the wallet 6 times (and this, for example, is no more than 16,500 rubles even when buying the most expensive product available for installment plans).

4) Subject to the terms of payment, no additional interest is charged on top of the purchase price - having bought goods for 60,000 rubles, the client pays exactly 60,000 rubles within the required time.

5) The service is provided by a large trusted bank JSC "Tinkoff Bank".

How to arrange goods by installments in NOTIK?

Brief step by step instructions.

1) The site visitor finds the product of interest with the "Installment 0-0-6" button.

2) By adding the product to the cart, you can select the necessary Additional services(Attention! - additional services will have to be paid separately, since installments are not provided for them).

4) The buyer fills in his contact details and selects the "NOTIK" point of sale, where he plans to arrange an installment plan and pick up the goods at his own expense, after which he presses the "Continue" button.

5) After checking the correctness of the specified information, you need to complete the order by clicking on the "Place an order!" button.

7) On the appointed day, the client arrives at the selected retail store with a passport of a citizen of the Russian Federation and mobile phone(for feedback with a bank) a store employee fills out a short questionnaire with the customer's data and sends it to the bank via a web interface.

8) After a short wait (less than a minute!) The bank approves the installment plan.

9) The registration of the goods and the installment agreement is carried out, the client is given the goods and a sales receipt, in in electronic format instructions on monthly payment and repayment terms are provided.

This completes the registration procedure, and the happy owner of a brand new electronic device goes about his business.

As you can see, getting an "interest-free loan" in NOTIK is as easy as shelling pears! And if you still have any questions, the managers of our store will be happy to answer them.

1. The promotion is held from September 13 to September 30, 2018 inclusive;
2. Not the entire range of products is included in the promotion. Information about the name of the product participating in the promotion and other details of the promotion can be clarified on the website;
3. All full-format Citylink stores, as well as points of order and delivery of goods related to them and an online store participate in the promotion;
4. The promotion does not apply to legal entities and individual entrepreneurs;
5. The Company has the right to unilaterally refuse the client to participate in this promotion;
6. Promotional product listings are subject to change during the promotional period without prior notice;
7. As part of this promotion, installments will be provided for the following parameters:

   PJSC "Post Bank"

   “Credit “0-0-24” is provided by the partner bank of PJSC “Post Bank”. General license of the Central Bank Russian Federation No. 650 dated 03/25/2016 The loan amount can be from 3,000 to 300,000 rubles. Down payment - from 0% of the value of the goods, 0% overpayment for the goods on credit from the retail price, the loan term is from 10 to 24 months. Interest rate - from 7 to 45.82% per annum. Loan repayment scheme: monthly equal annuity payments. The total cost of the loan - from 16.10% per annum. The full cost of the loan is calculated individually for each borrower. The bank does not charge any additional fees. % overpayment for goods - CITILINK provides customers with a discount from the price of goods purchased on credit, this lowers the cost of the loan in such a way that the loan amount, taking into account the amount of interest, does not exceed the original cost of the goods. The list of goods for which the offer is valid is limited. The product participating in the promotion is highlighted in the online store special inserts in the price tag "Credit 0-0-24". The Bank independently makes a decision on granting or refusing to grant a loan without explanation;

   Alfa Bank JSC

   "Credit" 0-0-24 "is provided by the partner bank of Alfa Bank JSC. General license of the Central Bank of the Russian Federation No. 1326 dated January 16, 2015. The loan amount can range from 5,000 to 300,000 rubles. Down payment - from 0% of the value of the goods, 0% overpayment for goods on credit from the retail price, loan term - 24 months. Interest rate - from 16.10% per annum. Loan repayment scheme: monthly equal annuity payments. The total cost of the loan - from 16.10% per annum. The full cost of the loan is calculated individually for each borrower. The bank does not charge any additional fees. % overpayment for goods - CITILINK provides customers with a discount from the price of goods purchased on credit, this lowers the cost of the loan in such a way that the loan amount, taking into account the amount of interest, does not exceed the original cost of the goods. The list of goods for which the offer is valid is limited. The goods participating in the promotion are highlighted in the Internet store with special inserts in the "Credit 0-0-24" price tag. The Bank independently makes a decision on granting or refusing to grant a loan without explanation;

   CB Renaissance Credit (LLC)

   “Credit “0-0-24” is provided by a partner bank CB “Renaissance Credit” (LLC). Licenses of the Bank of Russia No. 3354 dated April 26, 2013. The loan amount can range from 3,000 to 150,000 rubles. Down payment - 0% of the value of the goods, 0% - overpayment for the goods on credit from the retail price, loan term - 24 months. Interest rate - 16.13% per annum. Loan repayment scheme: monthly equal annuity payments. The total cost of the loan is 16.237% per annum. The full cost of the loan is calculated individually for each borrower. The bank does not charge any additional fees. % overpayment for goods - CITILINK provides customers with a discount from the price of goods purchased on credit, this lowers the cost of the loan so that the loan amount, taking into account the amount of interest, does not exceed the original cost of the goods. The list of products for which the offer is valid is limited. The goods participating in the promotion are highlighted in the Internet store with special inserts in the "Credit 0-0-24" price tag. The Bank independently makes a decision on granting or refusing to grant a loan without explanation;

   JSC "OTP Bank"

   “Loan “0-0-24” is provided by the partner bank JSC “OTP Bank”. General license of the Central Bank of the Russian Federation No. 2766 dated November 27, 2014. The loan amount can range from 2,000 to 300,000 rubles. Down payment - from 0% of the value of the goods, 0% overpayment for goods on credit from the retail price, loan term - 24 months. Interest rate - from 16% per annum. Loan repayment scheme: monthly equal annuity payments. The total cost of the loan - from 16% per annum. The full cost of the loan is calculated individually for each borrower. The bank does not charge any additional fees. % overpayment for goods - CITILINK provides customers with a discount from the price of goods purchased on credit, this lowers the cost of the loan in such a way that the loan amount, taking into account the amount of interest, does not exceed the original cost of the goods. The list of goods for which the offer is valid is limited. The goods participating in the promotion are highlighted in the Internet store with special inserts in the "Credit 0-0-24" price tag. The Bank independently makes a decision on granting or refusing to grant a loan without explanation;

8. The amount of the monthly payment is calculated without kopecks and may differ by 1 ruble depending on the date of conclusion of the contract;
9. The promotion does not apply to orders that are delivered through the "Postal delivery in Russia" service;
10. For goods participating in the promotion, bonuses are credited to the club card according to standard rules;
11. Restriction of each item in the order - no more than 1 piece;
12. Additional promotions do not apply to promotional products;
13. For goods participating in the promotion, bonuses are credited to the club card according to standard rules, and the promotional product can be partially paid for with accumulated bonuses on the club card;
14. The product is certified;
15. Early termination of the promotion is possible upon the sale of all promotional goods or one of them;
16. The effect of special promotions on goods purchased on credit does not apply;
17. The return of goods of good quality, sold under the action, is carried out in a set strictly at the price paid by the buyer. The cost paid by the buyer for the goods is indicated in the receipt. Gift items with traces of use cannot be returned. Accrued gift bonuses are deducted automatically, and the cost of services is not refundable. The return of goods of inadequate quality sold under the action is carried out in accordance with the rules of the "Exchange of goods of inadequate quality", while the gift item for exchange is not required;
18. Organizer of the action: Citilink LLC. OGRN 1147746461422 Legal address: 107207, Moscow, Schelkovskoe sh., 77, building 1.office 139.

About Store

About Store

What is Paylate Shop?

"Shop Paylate" is an online service that combines information about trade organizations (sellers) for the purchase of goods by installments (at competitive prices with delivery throughout Russia. Especially for you, we have collected best offers from trusted partners of the PAYLATE service - "Trust payment". With "Shop Paylate" you can save money for new gadget and buy it now. Buying a new smartphone, tablet, camera, TV, video or household appliances with us becomes a reality today.

Order payment

Installment payment! Buy now - pay later!

Purchase goods through "Shop Paylate" in installments with the "PAYLATE - trust payment" service. It's very simple: you get the goods now and pay later!

Advantages of the PAYLATE - Trust payment service:

• Real online. From registration to purchase 20 minutes;
• Up to 120 days without overpayments (in accordance with the individual terms of the loan agreement and payment schedule);
• Interest rate from 1.9% per month;
• Loan term - up to 12 months.

Terms of provision:

• Citizenship of the Russian Federation, with permanent registration on the territory of the Russian Federation*;
• The minimum age of the borrower is 18 years;
• The purchase price in installments is from 3,000 to 150,000 rubles;
• Availability permanent source income.

*except regions:
Chechen Republic;
The Republic of Dagestan;
Republic of Kabardino-Balkaria;
Republic of North Ossetia - Alania;
The Republic of Ingushetia;
Karachay-Cherkess Republic.

How to use the service

• Choose a seller and a product on our website;
• Place an order and choose the payment method "In installments";
• Register in the "PAYLATE - Trust payment" service;
• Get the order from the courier.

Delivery

The sale and delivery of orders is carried out by partner companies of the Shop Paylate service.

The seller's manager will contact you to clarify the time of delivery of your order.

The cost of delivery in the city of Moscow is standard up to 398 rubles, in the Moscow region - 718 rubles. and can be adjusted both up and down upon agreement with the manager of the seller (store).

*Monoblocks and bulky goods (if the size exceeds WxDxT: 500x180x370 mm) are delivered in the city of Moscow - from 700 rubles, in the Moscow region - from 1398 rubles.

Delivery to other regions of the Russian Federation is calculated individually at the time the order is agreed with the seller's manager.

The cost of delivery can be either included in the loan amount or paid additionally.

If the order is canceled upon receipt, the loan will be cancelled.