Pay later in 3 interest-free instalments is a form of credit which allows you to spread the cost of your purchase over 3 equal payments.  The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Life Of Riley and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.  You can always monitor your payments’ schedule in the ​Klarna app​ https://www.klarna.com/app.