Payments

To add or change the card details saved on your Klarna account:

• Log into your Klarna app
• Open the ‘Settings’ page
• Choose ‘Payment Methods’ and either choose ‘Add another card’ or press on the card you would like to remove.

You can add multiple cards to your account, but you will not be able to delete an old card without having a new card added first.

You should expect funds to clear your bank account within 1-3 business days from the scheduled payment date.

We will inform you if we tried to take out the payment and it failed by email.

If you are paying through the app, we’ll send a confirmation email to the address used on your order. You can also view the status of your payment by logging into the Klarna app.

When a scheduled payment is unsuccessful, we send an email to let you know when we’ll try to take the payment again. If that second attempt is unsuccessful, the missed payment will be added to your next scheduled payment on the date that payment is due. We’ll do this for each payment due date. If your final payment is unsuccessful on the due date, and our attempt to process your payment fails, your order may be subject to collections activity. Make sure you’ve entered the correct payment information when making a payment. If your payment information is entered incorrectly, we’ll send you an email notification. To resolve this issue, simply re-enter the account and routing numbers in the ‘Payment methods’ section of your account. If you’ve entered your card number correctly and you continue to receive this error, please reach out to your financial institution to make sure you’re using the most up to date information. If you encounter a technical error, please try the steps below:

• Close and reopen your browser
• Use the most up-to-date browser version
• Clear your cookies
• Make sure you aren’t using a restricted network; such as a work connection

If you haven’t received the email with your payment schedule, try checking your spam folder and following the ‘technical error’ steps above. If you’re still experiencing issues, please contact Klarna Customer Service here.

Yes. Klarna will send you a payment reminder by email, text, or push notification two days before payment is due.

When you create a One-time Card or choose our Pay In 4 interest-free instalments service, we place a reservation for the first instalment on your account. This reservation will be charged as the first payment when your order has been shipped. The remaining three payments will be automatically charged every two weeks. Your payment schedule is sent via email when your order is shipped. You can also find each order’s payment schedule in the app by clicking on ‘Spending’, choosing the order you want to see, and then clicking on ‘Show Plan’.

As soon as the store ships your order, you will receive an email from Klarna outlining your payment schedule. These payments will be automatically withdrawn from the debit/credit card you have on file with us according to this schedule.

If you want to pay your entire order off early, simply log in to your account on klarna.com or through the Klarna app, choose the ‘Spending’ tab, select the purchase you want to pay off, and then click ‘Pay off early’. Please note that you are not able to pay one of the instalments early, you will only be able to pay the full amount early.