FAQ

1. Your shipping address is different than your billing address
2. You’re buying something expensive.

If it’s your first purchase with Klarna you will usually get approved for $125 - $400 –

3. Your billing address is inaccurate
4. 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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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

1.     Update the Klarna app to the latest version.
2.     Double check your personal details registered with Klarna are correct.
3.     Connect your bank account to the Klarna app.
4.     Refresh and try again.
5.     Remove items from the checkout.
6.     Check your credit score with your bank or a third party.

We’re excited to announce we have partnered with Klarna to bring you a new way to pay at checkout.

Klarna is an alternate payment method that allows you to split your purchase into 4 interest-free payments. To use Klarna to pay for your purchase, add products to your cart and select “Klarna” when you check out. Enter a few personal details and you’ll know instantly if you’re approved. Your purchase will be split into 4 interest-free payments and the first payment will be taken from your credit or debit card when your order is shipped. The remaining three payments will be automatically charged to your card 14, 28, and 42 days later. Klarna will send you an email confirmation and reminders when it’s time to pay and there are no interest or fees when you pay on time. You can read about Klarna’s terms and conditions and privacy policy for additional information. https://www.klarna.com/us/privacy/

If your basket is eligible for 4 interest-free payments with Klarna, you will be able to select Klarna as a payment method during checkout. After your order is shipped, you will be charged for the first quarter of the total amount. Klarna will send a notification once the payment has been processed. You will be informed ahead of time before the next payments.

To sign up, you will need:

1. A US-issued debit or credit card
2. To be 18 years of age or over
3. An SMS-capable phone number
4. A US residential address

CA resident loans made or arranged pursuant to a California Financing Law license.

Payments will be automatically scheduled once you sign up. Pay online or in the app. Review your latest purchases and make payments using the following options:

1. Download the Klarna app: https://www.klarna.com/app
2. Log in online: https://app.klarna.com/login
3. Chat with customer service: https://www.klarna.com/us/customer-service

With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.

You can read about Klarna’s terms and conditions and privacy policy for additional information. https://www.klarna.com/us/privacy/

You can live chat with Klarna’s customer service agents 24/7 to confirm payment.

Klarna currently accepts most debit and credit cards (i.e., Mastercard, Visa, AMEX, Discover). Please note, prepaid cards are not accepted.

Cancellations are subject to our cancellation policy. To cancel your order, please contact us. Once we have confirmed the cancellation, Klarna will update your payments accordingly and you can check the status of your payments anytime via Klarna’s site or in your Klarna app. Refund processing times vary and can take up to 14 days depending on your financial institution. To check the status of your refund, please confirm first we have updated your payments accordingly and check if you might have already been refunded to your original payment method. If 14 days have passed since the issue of credit and you are still missing your refund, please contact Klarna for further support.

Yes. If you want to pay the outstanding balance of your purchase early, simply log in at the top of the page, go to the order page, and select “Pay off early.”

The refund will be made to the same credit or debit card you paid with. Returned or cancelled orders should first be registered with the online store. The refund will be processed within the next 14 days of the online store logging the returned or cancelled order.

Once we have received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you’ve made a partial return. With a full return, we 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.

You can live chat with Klarna’s customer service agents 24/7 to request that your contact details be updated. Please quote your statement number if you have received a statement by post.

Klarna will automatically attempt to collect payment for your payments purchase from the card that you entered at checkout. You can find out when your payments will be collected in the email that you received at the time of purchase or by logging into your Klarna account.

If the automatic payment fails, Klarna will try again after 7 days. If this payment also fails, Klarna will make another attempt after a further 7 days (14 days after the date of the first attempt). Your credit score will not be impacted by using Klarna’s payments product even if you have failed to pay on time.