Terms and Conditions

These are the terms and conditions for the delivery of products by Heal Mary.

Index:

Article 1 – Definitions

Article 2 – Identity of the entrepreneur

Article 3 – Applicability

Article 4 – The offer

Article 5 – The agreement

Article 6 – Right of withdrawal

Article 7 – Obligations of the consumer during the reflection period

Article 8 – Exercise of the right of withdrawal by the consumer and costs thereof

Article 9 – Obligations of the entrepreneur in the event of withdrawal

Article 10 – Exclusion right of withdrawal

Article 11 – The price

Article 12 – Compliance with the agreement and extra guarantee

Article 13 – Delivery and execution

Article 14 – Duration transactions: duration, cancellation and extension

Article 15 – Payment

Article 16 – Complaints procedure

Article 17 – Disputes

Article 18 – Additional or different provisions

Article 19 – Klarna

Article 1 – Definitions

1. Additional agreement: an agreement whereby the consumer acquires products in connection with a distance contract and these items are delivered by the entrepreneur or by a third party on the basis of an agreement between that third party and the entrepreneur;
2. Reflection period: the period within which the consumer can make use of his right of withdrawal;
3. Consumer: the natural person who does not act for purposes related to his trade, business, craft or profession;
4. Day: calendar day;
5. Duration agreement: an agreement that extends to the regular delivery of products during a certain period;
6. Durable data carrier: any tool that enables the consumer or entrepreneur to store information that is personally addressed to him in a way that future consultation or use during a period that is tailored to the purpose for which the information is intended, and that enables unaltered reproduction of the stored information;
7. Right of withdrawal: the option for the consumer to cancel the distance contract within the cooling-off period;
8. Entrepreneur: the natural or legal person who offers products to consumers at a distance;
9. Distance contract: an agreement concluded between the entrepreneur and the consumer in the context of an organized system for distance selling of products, whereby exclusive or joint use is made of one or more communication techniques up to and including the conclusion of the agreement. at a distance;
10. Technique for distance communication: means that can be used to conclude an agreement, without the consumer and entrepreneur meeting simultaneously in the same room.

Article 2 – Identity of the entrepreneur

Entrepreneur: Shinta Lempers, trading under: Heal Mary 

Europalaan 20 unit 19, 3526KS Utrecht;

The Netherlands; 

Phone number: +31 6 41717034 (available on Monday, Tuesday, Thursday from 9:00 AM to 5:00 PM);

E-mail: hallo@healmary.nl;

Chamber of Commerce number: 58110933;

VAT identification number: NL 153841205B01

Article 3 – Applicability

1. These general terms and conditions apply to every offer from the entrepreneur and to every distance contract concluded between the entrepreneur and the consumer.
2. Before the distance contract is concluded, the text of these general terms and conditions is made available to the consumer. If this is not reasonably possible, before the distance contract is concluded, it will be indicated that the general terms and conditions can be viewed at the entrepreneur and they will be sent free of charge as soon as possible at the request of the consumer.
3. If the distance contract is concluded electronically, notwithstanding the previous paragraph and before the distance contract is concluded, the text of these general terms and conditions can be made available to the consumer electronically in such a way that the consumer can can be stored in a simple way on a durable data carrier. If this is not reasonably possible, before the distance contract is concluded, it will be indicated where the general terms and conditions can be consulted electronically and that they will be sent free of charge at the request of the consumer electronically or otherwise.
4. In the event that specific product conditions apply in addition to these general terms and conditions, the second and third paragraphs apply mutatis mutandis and the consumer can always invoke the applicable provision that is most favorable to him in the event of conflicting general terms and conditions.

Article 4 – The offer

1. If an offer has a limited period of validity or is made subject to conditions, this will be expressly stated in the offer.
2. The offer contains a complete and accurate description of the products offered. The description is sufficiently detailed to allow a proper assessment of the offer by the consumer. If the entrepreneur uses images, these are a true representation of the products offered. Obvious mistakes or obvious errors in the offer are not binding on the entrepreneur.
3. Each offer contains such information that it is clear to the consumer what rights and obligations are attached to the acceptance of the offer. This concerns in particular:
   – the price including taxes;
   – any costs of delivery;
   – the manner in which the agreement will be concluded and which actions are required for this;
   – whether or not the right of withdrawal applies;
   – the method of payment, delivery and execution of the agreement;
   – the term for acceptance of the offer, or the term within which the entrepreneur guarantees the price;
   – the amount of the rate for distance communication if the costs of using the technology for distance communication are calculated on a basis other than the regular base rate for the means of communication used;
   – whether the agreement will be archived after it has been concluded, and if so, how it can be consulted by the consumer;
   – the way in which the consumer, before concluding the agreement, can check and, if desired, restore the data provided by him in the context of the agreement;
   – any other languages in which, in addition to Dutch, the agreement can be concluded;
   – the codes of conduct to which the entrepreneur is subject and the way in which the consumer can consult these codes of conduct electronically.

Article 5 – The agreement

1. Subject to the provisions of paragraph 4, the agreement is concluded at the time of acceptance by the consumer of the offer and the fulfillment of the associated conditions.
2. If the consumer has accepted the offer electronically, the entrepreneur will immediately confirm receipt of acceptance of the offer electronically. As long as the receipt of this acceptance has not been confirmed by the entrepreneur, the consumer can dissolve the agreement.
3. If the agreement is concluded electronically, the entrepreneur will take appropriate technical and organizational measures to secure the electronic transfer of data and ensure a safe web environment. If the consumer can pay electronically, the entrepreneur will observe appropriate security measures.
4. Within legal frameworks, the entrepreneur can inform himself whether the consumer can meet his payment obligations, as well as about all those facts and factors that are important for a responsible conclusion of the distance contract. If, on the basis of this investigation, the entrepreneur has good reasons not to enter into the agreement, he is entitled to refuse an order or request with reasons or to attach special conditions to the execution.
5. At the latest when the product is delivered to the consumer, the entrepreneur will send the following information, in writing or in such a way that it can be stored by the consumer in an accessible manner on a durable data carrier:
   a) the visiting address of the establishment of the entrepreneur where the consumer can go with complaints;
   b) the conditions under which and the manner in which the consumer can make use of the right of withdrawal, or a clear statement regarding the exclusion of the right of withdrawal;
   c) the information about guarantees and existing after-sales service;
   d) the price including all taxes of the product, service or digital content; to the extent applicable, the costs of delivery; and the method of payment, delivery or performance of the distance contract;
   e) the requirements for termination of the contract if the contract has a duration of more than one year or is of indefinite duration;
   f) if the consumer has a right of withdrawal, the model withdrawal form.
6. In the case of a long-term transaction, the provision in the previous paragraph only applies to the first delivery.

Article 6 – Right of withdrawal

1. The consumer can dissolve an agreement with regard to the purchase of a product during a reflection period of at least 14 days without stating reasons. The entrepreneur may ask the consumer for the reason for withdrawal, but not oblige him to state his reason(s).
2. The reflection period referred to in paragraph 1 starts on the day after the consumer, or a third party designated in advance by the consumer, who is not the carrier, has received the product, or:
   a. if the consumer has ordered several products in the same order: the day on which the consumer, or a third party designated by him, has received the last product. The entrepreneur may, provided he has clearly informed the consumer about this prior to the ordering process, refuse an order for several products with different delivery times.
   b. if the delivery of a product consists of several shipments or parts: the day on which the consumer, or a third party designated by him, has received the last shipment or the last part;
   c. in the case of agreements for regular delivery of products during a certain period: the day on which the consumer, or a third party designated by him, has received the first product.

Extended reflection period for products in the event of not informing about the right of withdrawal:

1. If the entrepreneur has not provided the consumer with the legally required information about the right of withdrawal or the model withdrawal form, the reflection period will expire twelve months after the end of the original reflection period determined in accordance with the previous paragraphs of this article.
2. If the entrepreneur has provided the consumer with the information referred to in the previous paragraph within twelve months after the commencement date of the original cooling-off period, the cooling-off period will expire 14 days after the day on which the consumer received that information.

Article 7 – Obligations of the consumer during the reflection period

1. During the cooling-off period, the consumer will handle the product and packaging with care. He will only unpack or use the product to the extent necessary to determine the nature, characteristics and functioning of the product. The basic principle here is that the consumer may only handle and inspect the product as he would be allowed to do in a store.
2. The consumer is only liable for depreciation of the product that is the result of a way of handling the product that goes beyond what is permitted in paragraph 1.
3. The consumer is not liable for depreciation of the product if the entrepreneur has not provided him with all legally required information about the right of withdrawal before or at the conclusion of the agreement.

Article 8 – Exercise of the right of withdrawal by the consumer and costs thereof

1. If the consumer makes use of his right of withdrawal, he will report this to the entrepreneur within the cooling-off period by means of the model withdrawal form or in another unambiguous manner.
2. As soon as possible, but within 14 days from the day following the notification referred to in paragraph 1, the consumer returns the product, or hands it over to (an authorized representative of) the entrepreneur. This is not necessary if the entrepreneur has offered to collect the product himself. The consumer has in any case observed the return period if he returns the product before the reflection period has expired.
3. The consumer returns the product with all accessories supplied, if reasonably possible in its original condition and packaging, and in accordance with the reasonable and clear instructions provided by the entrepreneur.
4. The risk and the burden of proof for the correct and timely exercise of the right of withdrawal rests with the consumer.
5. The consumer bears the direct costs of returning the product. If the entrepreneur has not reported that the consumer has to bear these costs or if the entrepreneur indicates that he will bear the costs himself, the consumer does not have to bear the costs for return.

Article 9 – Obligations of the entrepreneur in the event of withdrawal

1. If the entrepreneur makes the notification of withdrawal by the consumer possible electronically, he will immediately send a confirmation of receipt after receipt of this notification.
2. The entrepreneur will reimburse all payments from the consumer, including any delivery costs charged by the entrepreneur for the returned product, without delay but within 14 days following the day on which the consumer notifies him of the withdrawal. Unless the entrepreneur offers to collect the product himself, he may wait with repayment until he has received the product or until the consumer demonstrates that he has returned the product, whichever is earlier.
3. The entrepreneur uses the same payment method that the consumer has used for reimbursement, unless the consumer agrees to a different method. The refund is free of charge for the consumer.
4. If the consumer has opted for a more expensive method of delivery than the cheapest standard delivery, the entrepreneur does not have to reimburse the additional costs for the more expensive method.

Article 10 – Exclusion right of withdrawal

The entrepreneur can exclude the following products and services from the right of withdrawal, but only if the entrepreneur has clearly stated this in the offer, at least in time for the conclusion of the agreement:

1. Sealed products that are not suitable for return for reasons of health protection or hygiene and of which the seal has been broken after delivery, such as our tampons, sanitary towels and panty liners;

Article 11 – The price

1. During the period of validity stated in the offer, the prices of the products offered will not be increased, except for price changes as a result of changes in VAT rates.
2. Contrary to the previous paragraph, the entrepreneur can offer products whose prices are subject to fluctuations in the financial market and over which the entrepreneur has no influence, with variable prices. This dependence on fluctuations and the fact that any prices quoted are target prices are stated in the offer.
3. Price increases within 3 months after the conclusion of the agreement are only permitted if they are the result of statutory regulations or provisions.
4. Price increases from 3 months after the conclusion of the agreement are only permitted if the entrepreneur has stipulated this and:
   a. they are the result of statutory regulations or provisions; or
   b. the consumer has the authority to cancel the agreement with effect from the day on which the price increase takes effect.
5. The prices stated in the product range include VAT.

Article 12 – Compliance with the agreement and extra guarantee

1. The entrepreneur guarantees that the products comply with the agreement, the specifications stated in the offer, the reasonable requirements of reliability and/or usability and the legal provisions and/or government regulations existing on the date of the conclusion of the agreement. If agreed, the entrepreneur also guarantees that the product is suitable for other than normal use.
2. An extra guarantee provided by the entrepreneur, his supplier, manufacturer or importer never limits the legal rights and claims that the consumer can assert against the entrepreneur under the agreement if the entrepreneur has failed to comply with his part of the agreement.
3. An extra guarantee is understood to mean any commitment by the entrepreneur, his supplier, importer or producer in which he grants the consumer certain rights or claims that go beyond what is legally required in the event that he has failed to fulfill his part of the agreement. .

Article 13 – Delivery and execution

1. The entrepreneur will take the greatest possible care when receiving and executing orders for products and when assessing applications for the provision of services.
2. The place of delivery is the address that the consumer has made known to the entrepreneur.
3. With due observance of what is stated in article 4 of these general terms and conditions, the entrepreneur will execute accepted orders expeditiously but at the latest within 30 days, unless a different delivery period has been agreed. If the delivery is delayed, or if an order cannot or only partially be executed, the consumer will be notified of this no later than 30 days after he has placed the order. In that case, the consumer has the right to dissolve the agreement without costs and is entitled to any compensation.
4. After dissolution in accordance with the previous paragraph, the entrepreneur will immediately refund the amount that the consumer has paid.
5. If delivery of an ordered product proves to be impossible, the entrepreneur will make every effort to make a replacement item available. At the latest upon delivery, it will be stated in a clear and comprehensible manner that a replacement item will be delivered. For replacement items right of withdrawal can not be excluded. The costs of any return shipment are for the account of the entrepreneur.
6. The risk of damage and/or loss of products rests with the entrepreneur until the moment of delivery to the consumer or a representative designated in advance and made known to the entrepreneur, unless expressly agreed otherwise.
7.  

Article 14 – Duration transactions: duration, cancellation and extension

Cancellation:

1. The consumer can terminate an agreement that has been entered into for an indefinite period and that extends to the regular delivery of products (including electricity) or services, with due observance of the agreed cancellation rules and a notice period of no more than one month.
2. The consumer can terminate an agreement that has been entered into for a definite period and which extends to the regular delivery of products (including electricity) or services, at any time towards the end of the fixed term, subject to the agreed cancellation rules and a notice period of at least maximum one month.
3. The consumer can conclude the agreements referred to in the previous paragraphs:
   • cancel at any time and are not limited to cancellation at a specific time or period;
   • at least cancel in the same way as they entered into by him;
   • always cancel with the same notice period as the entrepreneur has stipulated for himself.

Extension:

1. An agreement entered into for a definite period of time and which extends to the regular delivery of products (including electricity) or services may not be tacitly extended or renewed for a definite period.
2. Notwithstanding the previous paragraph, a contract that has been entered into for a definite period and which extends to the regular delivery of daily news and weekly newspapers and magazines may be tacitly extended for a fixed term of a maximum of three months, if the consumer opposes this extended contract. can cancel the end of the extension with a notice period of no more than one month.
3. An agreement that has been entered into for a definite period and which extends to the regular delivery of products or services may only be tacitly extended for an indefinite period if the consumer is allowed to cancel at any time with a notice period of no more than one month. The notice period is a maximum of three months if the agreement extends to the regular, but less than once a month, delivery of daily, news and weekly newspapers and magazines.
4. An agreement with a limited duration for the regular delivery of daily, news and weekly newspapers and magazines (trial or introductory subscription) is not tacitly continued and ends automatically after the trial or introductory period.

Duration:

1. If an agreement has a duration of more than one year, the consumer may terminate the agreement at any time after one year with a notice period of no more than one month, unless reasonableness and fairness oppose cancellation before the end of the agreed duration.
2.  

Article 15 – Payment

1. Insofar as not provided otherwise in the agreement or additional conditions, the amounts owed by the consumer must be paid within 14 days after the start of the cooling-off period, or in the absence of a cooling-off period within 14 days after the conclusion of the agreement. In the case of an agreement to provide a service, this period starts on the day after the consumer has received confirmation of the agreement.
2. When advance payment is stipulated, the consumer cannot assert any rights with regard to the execution of the relevant order or service(s) before the stipulated advance payment has been made.
3. The consumer has the obligation to immediately report inaccuracies in the payment details provided or stated to the entrepreneur. Article 16 – Complaints procedure
4. The entrepreneur has a sufficiently publicized complaints procedure and handles the complaint in accordance with this complaints procedure.
5. Complaints about the implementation of the agreement must be submitted fully and clearly described to the entrepreneur within a reasonable time after the consumer has discovered the defects.
6. Complaints submitted to the entrepreneur will be answered within a period of 14 days from the date of receipt. If a complaint requires a foreseeable longer processing time, the entrepreneur will answer within the period of 14 days with a notification of receipt and an indication when the consumer can expect a more detailed answer.
7. The consumer must give the entrepreneur at least 4 weeks to resolve the complaint in mutual consultation. After this term, a dispute arises that is subject to the dispute settlement procedure.

Article 17 – Disputes

Only Dutch law applies to agreements between the entrepreneur and the consumer to which these general terms and conditions apply.

Article 18 – Additional or different provisions

Additional provisions or provisions that deviate from these general terms and conditions may not be to the detriment of the consumer and must be recorded in writing or in such a way that they can be stored by the consumer in an accessible manner on a durable data carrier.

Article 18 – Klarna

Klarna Payments
Legal and privacy
Europe
Legal and data protection (EU)

Data protection and data sharing aspects
T&C information
Please seek legal advice to ensure compliance with applicable regulations.

Customer Data Sharing
National and EU rules such as the GDPR sets certain limits to how and when you may share customer-identifying information with Klarna.

If you share personal data with Klarna you need to explain this in your privacy notice and link to Klarna's privacy notice there. Below is an example of what that could look like in your existing privacy notice (the specific data categories transferred to be added, and text to be translated into your local language):

Draft privacy notice text
“In order to offer you Klarna's payment methods, we might in the checkout pass your personal data in the form of contact and order details to Klarna, in order for Klarna to assess whether you qualify for their payment methods and to tailor those payment methods for you. Your personal data transferred is processed in line with Klarna's own privacy notice.”

Terms and conditions
Ensure that your terms and conditions reflect your cooperation with Klarna, and that you comply with applicable laws.

Presentation considerations (SE)
Så påverkas du av den nya kreditlagen

Sveriges riksdag har tidigare i år beslutat om en ny kreditlag. Den innebär i shorthet att om det finns både ett kredit- och ett direktbetalningsalternativ i kasan så får inte kreditalternativet visas först eller redan vara ifyllt. Lagen träder i kraft den första July 2020.

Här är vad du behöver veta om du har följande betalnings- och kasalternativ:

Klarna Checkout (KCO): Du behöver inte vidta några åtgärder.

Klarna kommer att hantera föränspreis och se till att ett direktbetalningsalternativ visas först om ett sådant finns.

Klarna Payments (KP) utan något direktbetalningsalternativ. Du behöver inte vidta några åtgärder.

Du måste bara se till att ett direktbetalningsalternativ är det första alternativet om du erbjuder det sum betalningsmetod.

Klarna Payment (KP) med ett direktbetalningsalternativ: Du måste vidta åtgärder.

Som e-handlare med Klarna Payment (KP) har du kontroll över ordningen på betalningsmetoderna som du har i din cash register och kommer därför att behöva vidta åtgärder för att följa den nyalagen.

Fortsätt läsa för mer information om hur KCO kommer att presenteras och vilka åtgärder vi rekommenderar för dig som har KP med direktbetalningsalternativ.

Vad den nya layers innebär
Den nya kreditlagen som Sveriges riksdag har antagit (Governments proposition) kommer att träda i kraft den första July 2020 och kommer endast att tillämpas i Sverige. Lagen ställer krav på hur olika betalningsmetoder presenteras i kasan, och den tvingar e-handlare att visa ett direktbetalningsalternativ före kreditalternativ, om båda alternativen finns tillgängliga i kasan.

Skyldigheterna i den nya lagen gäller alla parter som presenterar eller behandlar betalningsmetoder. Detta inkluderar: e-handlare, partners och betalningstjänstleverantörer (PSP) såsom banker. För att kunna navigera i ändringarna har vi skapat riktlinjer för att hjälpa våra e-handlare och partners att anpassa sig så att de nya lagliga kraven uppfylls.

Vad innebär det här for mig som handlare?
Exakt hur du påverkas beror på vilka betalningsmetoder som du erbjuder och vilken kaslösning som du har falls. Den nyalagen kräver inte att en handlare måste erbjuda ett direktbetalningsalternativ, utan styr hur betalningsalternativen presenteras i kasan.

Nedan finns and översikt över Klarna betalningsmetoder, och hur de kategoriseras i termer av krediteller direktbetalningsalternativ.

Vad behöver jag förbereda?
Handlare with Klarna Checkout (KCO v2 & v3)

Ingen åtgärd behövs. Klarna kommer att uppdatera den nuvarande KCO-lösningen för den svenska marknaden och säkerställa att de nya lagkraven följs. Ni kommer att märka att direktbetalningsalternativ, såsom Direktbetalning (när tillgängligt), kommer att presenteras sum det första betalningsalternativet i din cash register.

Handlare with Klarna Payments (KP)

To ni erbjuder Klarna Payments i er checkout så can inte Klarna kontrollera i vilken ordning betalningsalterntiven presenteras. Det innebär att det är den enskilda handlaren som är ensam ansvarig för att se till att er kas är kompatibel och följer den nya lagstiftningen innan den träder i kraft (July 1, 2020).

Om ni har Klarna Payments (KP) och flertalet payment method via Klarna inom samma modul så kommer Klarna att sortera dessa. Om det finns ett direktbetalningsalternativ så kommer det att presenteras först. Kreditalternativ som inkluderar ränta kommer alltid att att presenteras hisses om det finns andra val tillgängliga. To flera betalningssätt med Klarna är placerade i olika moduler can Klarna ej kontrollera i vilken ordning de presenteras.

Klarna kommer att sluta stödja Klarna betalningsmetoder (KPM) från och med September 2020. Åtgärd rekommenderas.

Klarna kommer inte längre att stödja KPM från och med September 2020. För att få automatiska uppdateringar (including juridisk efterlevnad) rekommenderar vi att alla handlare migrerar till Klarna Checkout (KCO) eller Klarna Payments (KP). Med KCO kommer Klarna att hantera grades av betalningsmetoder åt dig. För att migrera till KCO kan du använda självbetjäningsflödet som finns tillgängligt i portalen för handlare (länk). Prata gärna med din kontakt på Klarna för att få mer information om priser och hur du flyttar över till Klarna Checkout eller Klarna Payments.

English
New credit legislation – How you will be impacted

New legislation has been adopted by the Swedish Parliament stating that if both credit and debit payment options are offered by a merchant, the debit option(s) must be presented before the credit option(s) in the checkout. This law takes effect July 1, 2020.

Here's what you need to know if you have the following payment & checkout options:

Klarna Checkout (KCO): No action required.

Klarna will take care of all the logic to ensure debit payment options are shown first.

Klarna Payments (KP) with no debit options: No action required.

You are only required to make sure a debit option is placed as the first option if you offer it as a payment method.

Klarna Payment (KP) with debit options: Action required.

As a merchant, you are in control of the order in which payment methods are organized inside your checkout and will need to take steps to comply with the new law.

Continue reading for more details on how KCO will be presented, and what actions we recommend if you have KP with debit options.

What the new law means
New legislation (Regeringens proposition) adopted by the Swedish Parliament will take effect on 1 July 2020, and will only be applicable to Sweden. The law sets requirements on the presentation of payment methods in online checkouts, enforcing debit payment options to be displayed before any credit payment options, if both are available.

Obligations in the new regulation apply to any parties who present or process payment methods. This includes: merchants, partners, and Payment Service Providers (PSP) like banks. To navigate the new changes, we've published guidelines, to help our merchants and partners to ensure compliance with the legal requirements.

What does this mean for me as a merchant?
The impact for you as a merchant will depend on what payment methods you offer and what checkout solution you use. The new legislation does not require merchants to provide debit payment methods, but does regulate how to present them in an online checkout if you do.

Below is an overview of Klarna payment methods, and how each categorizes in terms of credit or debit options.

What do I need to do to be prepared?
Merchants with Klarna Checkout (KCO v2 & v3)

No action needed. Klarna will update the current KCO solution for the Swedish market to make sure that the new legal requirements are followed. You will notice that debit payment methods such as Direct Debit, (when available), will be presented as the first option in your checkout.

Merchants with Klarna Payments (KP)

If you offer Klarna Payments in your checkout, Klarna cannot control the order or logic in which the payment methods are presented. Therefore, as a merchant you are solely responsible to ensure your checkout is compliant and lawful according to the new legislation before it enters into force (1 July 2020).

If you have Klarna Payments (KP) and multiple Klarna payment methods within the same widget then we will manage the logic of sorting these. If a debit payment option exists then that will be displayed first. Credit payment methods that include interest rate will always be displayed as the last option if others exist. If the multiple Klarna payment methods are placed in different widgets then we cannot control in what order they will be sorted.

Klarna will discontinue support of Klarna Payment Methods (KPM) as of September 2020. Action recommended.

Klarna will no longer be supporting KPM as of September 2020. For automatic updates (including legal compliance), we recommend all merchants move to Klarna Checkout (KCO) or Klarna Payments (KP). With KCO, Klarna will handle the sorting of payment methods for you. To migrate to KCO, you can use the self service flow that is available in the merchants portal (link). Please reach out to your Klarna account manager to get more information about pricing and how to transfer to Klarna Checkout or Klarna Payments.