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Customer Service

What if I need to change the card on file?

What happens if I get into financial trouble, and can’t handle repayments?

Can I pay off my balance early?

How do I pay for my One-time card?

What is a One-time card and how does it work?

Does Klarna perform a credit check on me and will it affect my credit score?

How can I file a complaint if I’m unsatisfied with Klarna’s service?

How old do I need to be to purchase with Klarna?

Where can I use Klarna?

How do I sign up to use Klarna?

Is there an annual fee?

How do I download the app?

How do I report a problem in the app?

Who is Klarna?

How can I unlock the app on my device using a Fingerprint, PIN, or Face ID?

How do I connect or delete my card details in the app?

How do I turn on notifications?

How can I send a chat through the Klarna app?

How do I pay for my order?

I received an error when trying to make a payment. What should I do?

How do I update the payment method on my Klarna account?

How do I cancel my order?

I haven’t received my order. Do I have to pay?

When will my order be delivered?

What is Klarna's privacy policy?

Am I protected from unauthorized purchases with Klarna?

Does Klarna protect my personal information?

Two payments have been charged to my credit or debit card, but only one payment appears on my account. Why is this?

What happens when I buy multiple items in one order with 4 interest free instalments?

What do I do if the automatic payment fails?

Is this different from credit?

Which payment methods are accepted by 4 interest-free instalments?

How do I sign up for 4 interest-free instalments?

What are 4 interest-free instalments from Klarna?

How do I close my Klarna account?

How do I update my address?

How do I update my registered name with Klarna?

I did not receive my login email. What do I do?

How do I log in?

What is Klarna's rewards club?

How have the rewards in Klarna's rewards club been selected?

Can I share my membership with someone?

How do I cancel my membership?

How do I redeem a reward once I unlock it?

What are the expiry dates for vibes and rewards?

Who supplies the rewards for Klarna's rewards club?

How do I see my vibe process?

What is in-store shopping with Klarna?

Can I make a purchase in-store using a One-time card?

Why am I asked for a pin at the counter?

How do I use Klarna in-store?

Is Klarna a member of the Buy Now Pay Later Code of Practice?

Does Klarna share CO2 user data with any third parties?

Does the tracker cover CO2 only?

What is the CO2 calculation displayed in the app and how is it calculated?

What is Give one?

Have you received my payment?

How much am I eligible to spend?

Where can I view the terms and conditions?

What if I never use the One-time card and want to cancel it?

What happens if my purchase is for a different amount than my One-time card?

What is shopping through the Klarna app?

How can I change my email address?

Where can I view my orders, balance and payments?

Why wasn't my purchase approved with Klarna?

How can I get approved to pay with Klarna?

Can I make multiple purchases with Klarna?

Why can't I pay with Klarna anymore?

Why was my One-time card purchase declined?

My purchase was denied, why do I still have a transaction on my card?

When is my payment due?

What happens if I can’t pay on time?

Will I receive payment reminders?

Can I change my scheduled payment date?

Is there a late fee for 4 interest-free installments?

How can I extend my repayment date?

What happens after I‘ve reported my problem?

What’s the status of the investigation into my problem?

How long does it take for my problem to be solved?

My problem has been solved, what should I do?

Why was the investigation of my problem closed, even though my problem has not been solved yet?

What should I do if the store doesn’t respond?

My return hasn’t been registered, what should I do?

Can I change my return after it’s been reported?

What happens when I report a return?

How do I return my order?

Customer Service

There’s something wrong with my order. Do I have to pay?

How long do refunds take?

Why did I receive a reminder after returning my order?

What’s the status of the investigation of my return?

How long does it take for my return to be registered?

Why was the investigation of my return closed, even though my return hasn't been registered yet?

My order was canceled. Why am I still being charged?

How can I make a formal complaint to Klarna?

4 interest-free instalments

About Klarna

Account & Personal details


Credit check

Data protection

Debt collection & late fees

Declined Purchase


Deliveries & returns

Fraud & security

Fraud protection

How to use Klarna


Klarna Shopping app

Login & account access

Make & manage payments

Manage payment & contact details

Manage refunds

One-time card

Payment issues


Problem resolution

Products & services



Settings & notifications

Spending limit


Sustainability at Klarna



Merchant Support

How do I change my bank account details?

Why do I need a transfer agreement?

When will I receive my payouts?

What is AML and why do I need to complete this form?

What is an Administrator?

What is a payment service provider (PSP)?

When will I be paid for an order?

What is the Merchant Portal?

How do I login to the Merchant Portal?

How do I add users in the Merchant Portal?

What can my team do in the Merchant Portal?

How do I add a logo to the customer invoices?

How do I change language in the Merchant Portal?

How do I register a returned order?

How can I see the order history?

How do I receive my log in details for the Merchant portal?

How do I remove a user?

How do I add a user in the Merchant Portal?

How do I remove an order that’s been cancelled?

Where can I find my orders?

Where can I find my payout?

How do I remove an item from the customers’ order?

Where can I find the Klarna API-credentials?

What do I do when I can not deliver all the products to the customer in one go?

What does a captured order mean?

What is an app in the Merchant Portal?

What is the Branding app?

What is the Users app?

What is the Settlements app?

What is the Orders app?

What is the Settings app?

Where can I access the settlement files?

What do the various order statuses mean?

How do I start selling with Klarna?

Is there a binding period for the agreement?

What are Klarna's payment options?

How do we reply when the customer asks about their remaining account balance?

How do I change a customer's billing address?

Why can't the customer complete their purchase?

What happens when the customer makes a return?

Can I remove a customer's late fee?

When is the customer refunded?

Do I have a contact person?

How do I pay Klarnas fees?

What languages are Klarnas agreements available in?

Are there any restrictions on what I can sell through Klarna?

How do I start selling to other countries?

In which countries can I use Klarna?

When do I receive my payouts?

How do I become a customer with Klarna?

How does Klarna charge for its service?

How do I fix the error message "401 Unauthorised" in the checkout?

What needs to be done before I can start integrating with Klarna?

I have logged in to the Merchant Portal to integrate. How does it work?

What is the username and password that needs to be added to my platform?

How does the integration work?

How do I add the Klarna badge to my available payment options?

What does it mean that an order has expired?

On-Site Messaging



The empowerment economy

Understanding online buying behaviours


Fast track

Become a Klarna partner


Revive and Thrive Retail Hack Games


Navigating needs



Masters of Reinvention

Retail insider

Platforms and partners (Partner directory)

Shopping habits

Marketing solutions


Beauty Trend Report


Agreement questions

Customer related cases

Merchant Portal

Sell with Klarna

Technical and Integration

Buyers Protection
Financial wellness
Extra O blog

Extra O blog

Welcome to The Extra O.

COVID-19: we're here to help and support.

Uncovering younger generations' money management habits.

What online shopping will look like in 2021.

New to the Nest.

Finance is in fashion.

Tuning in to the ‘new’ retail shopper.

Making eCommerce even easier.

Klarna among top 5 most disruptive companies globally.

The 7 ways I shop mindfully.

The secret behind how Klarna became one of the most disruptive companies.

When 2 become 1.

The Klarna app is downloaded 42,000 times per day. Here’s why.

Behind the scenes of Heartbeats 4 Sneakers.

¡Hola amigos! Klarna expands to Spain and Belgium in new markets push.

Klarna’s tribute to the global sneakerhead community.

Retail roundup: Welcome to the Smoooth Shopping Squad.

Shop it while it's hot: Get $20 credit.

Klarna Kristmas in July: 12 days of giveaways

An update on our goal to become carbon neutral.

Klarna inks deal with ASOS in Australia.

Paint a cosy picture.

Klarna-National Retail Association partnership.

120,000 sneakerheads have spoken.

Protecting our customers is important to us.

25 x $100 gift cards up for grabs.

Klarna named to CB Insights Fintech 250 for 3rd consecutive year.

Wish lists: shoppers are loving shoes.

Modibodi: Life Changer.

3 reasons why using Klarna is the smartest way to shop online.

Hello H&M online.

Shoppers love Klarna's rewards club.

Cotton On has arrived.

Klarna launches research lab to explore the future of shopping.

The mailbox is dead. Long live the modular mailbox.

Travel Junkies rejoice. Luxury Escapes is here.

Klarna partners with Westfield to make shopping smoooth this season.

Be generous. To yourself.

3 reasons why Klarna wish lists are the smartest way to shop this Christmas.

Looking forward - a year on.

4 quarter-sized cowboys on the world’s biggest stage.

Klarna chats with Money News.

Catch our new Big Game ad from this Monday night.

Our new sustainability commitment: 1% of US$1bn.

More than 1 million Klarna rewards club members now get multiple rewards to choose from.

Problem solving with Kate Morris, Founder and Director of Adore Beauty

Smoooth Sessions: the art of reinvention.

Talking business with Camilla Giesecke, CeXO at Klarna.

Smoooth insights: 3 tips for Reinvention - Fran Ereira.

Top of the carts: latest shopping trends.

New to the Klarna family: March.

How to contact Klarna if you are struggling to pay.

3 ways we check you can afford to use Klarna.

3 reasons to manage your money through the Klarna App.

AI-driven content to boost retailer campaigns.

Coming soon: triple your earning power.

New to the Klarna family this April.

Track your carbon footprint with Klarna.

Understanding online buying behaviours.

The empowerment economy.

Fast-track upturn.

Revive and thrive.

Navigating needs.

Clicks and cliques.

Masters of reinvention.

How to use a one-time card.

Say hello to Aje.

Retail reinvention: how, why, and does it matter?

Aje x Klarna presents ‘Scent of Summer’.

Here's why your business should enter the National Retail Awards!

New to the Klarna family in May.

Detailed incident report: Incorrect Cache Configuration leading to Klarna App Exposing Personal Information

May 27 incident report

Making in-store shopping smoooth.

New marketing strategies for the fashion revival.

New to the Klarna family in June.

Shop in-store everywhere with Klarna.

The tools to stay relevant to your customer, today and tomorrow.

JD x Klarna | Making in-store shopping smoooth.

New to the Klarna family in July.

Aje x Klarna | Launching a 360 degree campaign

Start spring early with our favourite Australian designers.

Showing big love for small business.

The death of the office dress code.

New to the Klarna family in September.

Klarna's got Big Love for Small Business

Information about the disturbances to Klarna’s payment methods in Europe on October 2, 2021

The key to a successful shopping season.

Detailed incident report: Disturbances to Klarna’s payment methods in Europe on October 2, 2021

We’re making late fees simpler for Australian shoppers.

How beauty retailers can make sales glow, and give consumers what they want.

New to the Klarna family in October

Spend Less, Give More this festive season.

Supporting planet health initiatives with Klarna Give One.

Klarna available in-store...everywhere

On your marks: 2XU and Klarna launch global partnership to bring flexible payments to world-leading sportswear

Shop in-store at MIMCO and score a $30 gift card.*

New to the Klarna family in November

Global News

Inside Klarna

Klarna in focus

Klarna in the news

Merchant spotlight

Mindful money

Partner highlights

Smoooth sessions

Trends & insights

What's new

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