- Your shipping address is different than your billing address
- You’re buying something expensive.
If it’s your first purchase with Klarna you will usually get approved for $125 - $400 –
- Your billing address is inaccurate
- Wrong contact details.
It sounds obvious, but double check the spelling of your name and billing address. A simple mistake will quickly get you declined.
- You missed a previous payment –
Klarna keeps a history of your previous payments, including any missed or late payments. If you have been late paying this may cause Klarna to reject your next purchase. Just like your bank, Klarna has their own internal score for all users. Missing too many payments will be a red flag for Klarna and they are likely to deny a future purchase.
- You failed a soft credit check.
Klarna runs a soft credit check when you use your account for a payment. Soft credit checks do not harm your credit score, but they can be a reason your payment gets declined. If the soft credit check shows that you are not currently credit worthy enough to make a purchase via Klarna the payment won’t work.
- Have too much debt
If you are an individual which has a large outstanding debt with Klarna or other buy now pay later companies then you may find Klarna will not work for you. Klarna is keen to make sure the service is only used by individuals who can afford to make repayments on their borrowings. Large debt may put you at risk of not getting approved for the service. One recommendation is to try reducing your debt or outstanding balance before making future purchases.
- Error with Klarna servers
From time-to-time Klarna has technical difficulties connecting with their servers. If you find that the screen has gone blank or that the payment page fails to load, it might be time to refresh the app or the website you are on. Often a refresh will help fix the technical issue.
- You have tried to pay too many times in a row
It is possible that if you have tried to pay too many times in a row you may have temporarily locked your account. To help Klarna prevent fraud the company will temporarily freeze accounts which it suspects of carrying out fraudulent activity. Unfortunately, this can sometimes affect innocent users who have accidentally tried to repeatedly pay for an item. If you find that after a couple of attempts trying to pay for an item, it is best to try and contact Klarna customer support.
10, Klarna accepts debit cards only
How to get Klarna working again – 6 quick fixes
- Update the Klarna app to the latest version.
- Double check your personal details registered with Klarna are correct.
- Connect your bank account to the Klarna app.
- Refresh and try again.
- Remove items from the checkout.
- Check your credit score with your bank or a third party.