We’re excited to announce we have partnered with market-leading finance providers to bring you new ways to pay at checkout. Either spread the cost of your purchase from 4 interest-free instalments every 2 weeks, split the cost up to 12 months with interest, or make your purchase today and pay up to 30 days later. Please note, fees may apply for late payments.
Klarna is a payment service that helps you buy the things you want or need. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores.
Klarna’s Pay in 3 is a credit product that lets you spread the cost of your purchases over 3 equal interest-free payments. Klarna will take the payments from your debit or credit card directly so you don't have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app.
Pay in 30 days is a credit product which lets you pay any time within 30 days of your purchase interest-free. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna/com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.
You need to be at least 18 years old and a UK resident to use Klarna’s credit products. When you choose Klarna they will also check the information you provide and your financial situation.
Yes, you can. If you see Klarna when you go to an online checkout then it is available to you. Every time you use Pay in 3 / Pay in 30 days, Klarna will check to see whether you can use the service again for each additional purchase.
Klarna offers Pay in 3 / Pay in 30 days based on a number of factors such as the purchase amount, and previous order history. If you are 18 or over, you can improve your chances of being offered Pay in 3 / Pay in 30 days by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 3 / Pay in 30 days before does not mean it will be offered for every order. In turn, if your application for Pay in 3 / Pay in 30 days is denied, it does not mean it will be denied for future orders.
If you want to purchase something using Klarna’s Pay in 3 / Pay in 30 days, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.
When you use Pay in 3 / Pay in 30 days, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.
Klarna will take your Pay in 3 payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app.
You can pay any time within 30 days of your purchase interest-free. You can make this payment using a credit or debit card on the Klarna app or logging intowww.klarna.com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.
If you choose to pay for your order using Pay in 30 days, Klarna will send you an email showing you how to pay. The email will have a link you can use to make this payment using your credit or debit card.
Yes, you can. If you see Klarna when you go to an online checkout then it is available to you. Every time you use Pay in 3 / Pay in 30 days, Klarna will check to see whether you canYes. Just go to the Klarna app or log ontowww.klarna.com/uk.
Payment information is processed securely by Klarna. No card details are transferred to or held by X Rocker UK. All transactions take place through connections secured with the latest industry standard security protocols.
Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in atwww.klarna.com/uk.
Pay in 3 / Pay in 30 days is a credit product and you are required to make your payment(s) to Klarna. Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule. Klarna will send you multiple friendly reminders before payment is due so you can make sure you’ve got enough money to pay. If you don't pay for your order on time, or the payment fails, you may be charged late payment fees. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here.
As Pay in 3 / Pay in 30 days is a credit product, if you fail to make payments, Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna.
If you have not received your goods, please contactX Rocker UKto check on your order and delivery status. You can also contactKlarna’s Customer Serviceso that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.
As soon asX Rocker UKhas confirmed with Klarna that your cancellation / return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.
As soon as the store has registered your cancelation or your return, the refund will normally be processed within 5 business days.
Refunds will be issued back to the debit or credit card which was originally used at checkout.
Once X Rocker UK has received the return and Klarna have received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.
Once X Rocker UK has received the partial return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app.
You can log in the Klarna app or atwww.klarna.com/uk, where you will find all of your orders and payment schedule information.
Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.
Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). Please use Clearpay responsibly. The service is provided by Clearpay Finance Ltd. Clearpay Plans are not regulated by the Financial Conduct Authority.
Just shop and check out as normal. At checkout, choose the Clearpay payment method. You will be directed to the Clearpay website to register and provide payment details (Visa, Mastercard or Amex). Or if you've used Clearpay before, just log in to your Clearpay account. Then complete your order!
Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address. Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account. Other eligibility criteria apply. See Clearpay Terms of Service for further details.
Clearpay will split the total value of your order into 4 instalments payable every fortnight. The exact amounts and dates will be displayed for you to agree to before you confirm your purchase. If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly. You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
If you cannot make a payment, please contact Clearpay here. As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.
Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £24, whichever is less.
Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.
Clearpay orders are delivered within our standard delivery timeframes like any order from our site. Please view our shipping policyhere.
Yes, your order value including shipping must be between £1 and £1000 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
Yes, you may also use a gift card, cash, or a promotional code with Clearpay to pay for your purchase.
Items purchased with Clearpay follow our standard return process. Please note, refunds for Clearpay purchases will be refunded from X Rocker to Clearpay. We cannot provide an exchange or cash refund.
When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the X Rocker has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay. You can view the details by logging in to your Clearpay account.
Visit the Clearpay website here for a comprehensive list of FAQs, Clearpay Terms of Service here, and Privacy Policy here.
Clearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. You must be 18+ and a permanent UK resident (excl Channel Islands). T&C's and other eligibility criteria apply. Ensure you can make repayments on time. Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £24 or 25% of the order value for orders over £24. Missed payments may affect your ability to use Clearpay in the future and they may pass unpaid debt to a debt collection agency. Clearpay is credit that is not regulated by the Financial Conduct Authority.
X Rocker UK acts as a broker and offers credit from a panel of lenders.
PayPal
For details, terms and conditions, head on to the PayPal website to find out more. You can also check out their comprehensive list of FAQson their website for more information.
Klarna
Klarna's Pay in 3 and Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply.
Clearpay
Visit the Clearpay website here for a comprehensive list of FAQs, Clearpay Terms of Service here, and Privacy Policy here.
Clearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. You must be 18+ and a permanent UK resident (excl Channel Islands). T&C's and other eligibility criteria apply. Ensure you can make repayments on time. Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £24 or 25% of the order value for orders over £24. Missed payments may affect your ability to use Clearpay in the future and they may pass unpaid debt to a debt collection agency. Clearpay is credit that is not regulated by the Financial Conduct Authority.
Zopa Bank / DivideBuy
We’re committed to providing the best quality service to our customers. Whilst we’re dedicated to getting things right first time, sometimes things can go wrong. If this happens, we encourage you to get in touch and tell us about it, so we can do our best to put it right. At X Rocker we define a complaint as: ‘An expression of dissatisfaction made to, or about, X Rocker and which may be related to X Rocker’s platform, processes, services and products, X Rocker's employees or the handling of a complaint, where a response or resolution is explicitly or implicitly expected or legally required’. This includes any complaints relating to Personal Data. All complaints will be recorded on our Complaints Register.
Our Complaints Policy principles are:
We will treat Customers and other stakeholders with respect.
We will aim to resolve complaints efficiently.
We will communicate our complaints handling process.
We will regularly review our complaints handling process.
We will address common issues.
We will share our complaints data and metrics (on request).
Personal Data means any information that relates to an identified or identifiable natural person (Data Subject). It’s a broad term and refers to any information that can be used to identify an individual (either directly or indirectly). We handle Personal Data-related complaints in line with relevant data protection legislation. We also recognise your rights as an individual in relation to the personal data we hold for you under the UK General Data Protection Regulation (GDPR). We aim to promptly comply with our legal obligations and strive to provide the highest level of Customer satisfaction possible.
You can make a complaint via the following channel:
Email us direct at the following link: https://xrocker.co.uk/pages/contact-us
We’ll investigate the complaint fully, taking into account as much information as possible and ensure it is investigated, diligently and assessed fairly, consistently, and promptly. We’ll always get back to you within 2 business days and keep you updated on our progress, where a “business day” means any day on which X Rocker is open for business. These usually exclude English bank holidays. Once our investigation is complete, we’ll send you a written final response, which will detail our findings and any proposed resolutions. If redress is offered, our email will also include a form for you to confirm your acceptance of our offer as full and final settlement. If we can’t come to a resolution, we’ll send you an email, letting you know that we are ‘deadlocked’ and explaining the reasons behind that decision. X Rocker does not use an alternative dispute resolution provider, but would be happy to engage with any such provider appointed by a Customer, however no personal information can be shared.
If you've taken out finance to fund your purchase and your complaint is about your finance, such as your monthly repayments, interest or charges, you should contact your legender directly to complain to them. These will be Klarna, Clearpay, PayPal or Zopa Bank / DivideBuy.
If we or our finance partners haven’t resolved your complaint within 8 weeks, or you’re unhappy with our and their final response, you can refer your complaint to the Financial Ombudsman Service. This is a free and independent service. You normally need to contact them within 6 months of our final response.
• Website: financial-ombudsman.org.uk
• Phone (UK): 0300 123 9 123
• Post: Financial Ombudsman Service, Exchange Tower, London E14 9SR
X Rocker UK acts as a broker and offers credit from a panel of lenders.
