Pay later in 3 is based on a number of factors such as the order value, previous order history and item availability. If you’re 18 and over, you can improve your chances of being offered Pay layer in 3 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 does not mean it will be offered for every order. Equally, if it is denied, this doesn’t mean it will be denied for all future orders.