If you are making a payment on one of our Productpicks Partner websites, payment can be made by any card accepted by the Productpicks Partner that delivers the product.
You will be asked to enter your shipping details, billing details and payment details in order to purchase the product from the Productpicks Partner.
If you are making a payment on Productpicks via our Integrated Checkout service, then Productpicks accepts a variety of payment options, including credit and debit cards. When you make your first payment through the Integrated Checkout service, you will be asked to enter your shipping address and billing/payment details in order to purchase the item.
If you are a Productpicks member, your shipping and billing details will be stored in accordance with our Cookie Policy and the Services will remember your shipping and billing details the next time you go to purchase an item via our Integrated Checkout service.
If you are not a Productpicks member, you will be required to enter your shipping and billing details each time you purchase an item.
For payments made on Productpicks via Klarna checkout on our Integrated Checkout service, Klarna accepts a variety of payment options, a full list of which can be viewed in their terms and conditions here.
When you pay for products via Klarna checkout on our Integrated Checkout service, you will in fact, be purchasing a purchasing service (similar to a “token”) for the contents of your basket from Klarna.
Klarna will carry out a variety of fraud and credit checks before taking a pre authorization on your card. Klarna will then issue prepaid virtual credit card(s) for the amount of the transaction (one virtual credit card per Productpicks Partner) and Productpicks will pass the details of the virtual credit card(s) plus all relevant customer personal information (to include billing and shipping information but not your payment details), to the relevant Productpicks Partner(s) (for details of how this information is kept secure, please see the Payment Security section of our site). Each Productpicks Partner will process the payment using Klarna’s virtual credit card and will be responsible for fulfilling the order and shipping it to you.
At this stage, you will be entering into a contract for the supply of products with the Productpicks Partner. Your card will be charged only once the Productpicks Partner has confirmed your order. If for any reason your order cannot be fulfilled, the pre authorisation on your card will be released and no funds will be taken.
Your credit/debit card receipt will show the name “Klarna/Productpicks” as you will be buying a purchasing service from Klarna. If you buy from several Productpicks Partners in one transaction, your card statement will show separate entries for each Productpicks Partner involved in the transaction (each entry on your statement will show the names Klarna and Productpicks). For the avoidance of doubt, you will be directly contracting with the Productpicks Partner for the sale and supply of goods.
When placing an order on Productpicks via our Klarna Checkout you will need to accept Klarna’s terms and conditions.
Please make sure that you carefully review Klarna’s full terms and conditions before completing a transaction on our Integrated Checkout service.
Klarna’s full terms and conditions are available here.
If you are a Productpicks member, your shipping and billing details will be stored in accordance with our Cookie Policy and the Services will remember your shipping and billing details the next time you go to purchase an item via our Integrated Checkout service.
If you are not a Productpicks member, you may be required to enter your shipping and billing details each time you purchase an item.
If the first time you use our Integrated Checkout service is via Klarna checkout, Productpicks will not collect or store your payment card details. Payment card information will be provided directly to Klarna at checkout and will be subject to Klarna's terms and conditions.
Productpicks members may be offered the option for Productpicks to store their payment card details. You may change or delete any existing payment card details attached to your account by going to the "Purchase Settings" section of your account "Settings".
Klarna may require you, or give you the option, to store your billing and payment information at the checkout stage. Any storage of payment details by Klarna will be governed by Klarna’s terms and conditions which can be viewed here.
For certain transactions made via our Integrated Checkout, we also use a third party payment process provider called Stripe. When you place an order via our Integrated Checkout in respect of which Stripe processes payments, Stripe will use your credit card (or the Klarna virtual credit card) to process the transaction.
For any transactions processed by Stripe, we will provide Stripe with the details of your card (or the Klarna virtual credit card) as well as your billing information.
All billing and customer information transmitted by Productpicks will be fully encrypted and only used to process card transactions which you have initiated.
For further details of how your information is kept secure, please see the Payment Security section.
There are certain payment methods that you cannot use on the Services. Productpicks Partners/Klarna may not accept:
If you are paying for items on our Integrated Checkout using Klarna checkout, Klarna accepts a variety of payment methods, a full list of which can be viewed in their terms and conditions here.
However you pay for an item, you will need to follow instructions on the relevant checkout page. All credit/debit card holders are subject to validation checks and authorisation by the card issuer. If the issuer of your payment card refuses to authorize payment, we will not be liable for any delay or non-delivery.
We take reasonable care to make our site secure. All billing and customer information transmitted by Productpicks will be fully encrypted and only used to process card transactions which you have initiated. Please note, however, that we are not responsible, and have no liability, for transactions which are made on Klarna checkout or on our Productpicks Partner websites.
Furthermore, we take reasonable care, in so far as it is in our power to do so, to keep the details of your order and payment secure, but in the absence of negligence on our part we are not liable for any loss you may suffer if a third party procures unauthorized access to any data you provide when accessing or ordering through the Services.
