Platforms and partners (Partner directory)


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?



The Art of Reinvention


Agreement questions

Customer related cases

Merchant Portal

Sell with Klarna

Technical and Integration

Cookie Policy
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?

Can I pay one of my instalments earlier?

What happens if I return my purchase?

My purchase was denied, why do I still have a pending authorisation hold on my card?

Does Klarna place a reservation on my card for the full amount of the One-time card?

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

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

How do I delete a One-time card?

How do I pay for my One-time card?

What if I never use the One-time card after creating it?

Can I add my One-time card to Google Pay or Apple Pay?

Where can I use the One-time card?

How much am I eligible to spend when shopping in the app?

How do I use a One-time card?

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 view the terms and conditions?

Where can I use Klarna?

How much am I eligible to spend?

How do I sign up to use Klarna?

Is there an annual fee?

How do I download the app?

How do I submit a dispute in the app?

Where can I view Klarna’s terms and conditions 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?

Where can I view my balance?

How can I send a chat through the Klarna app?

How do I pay for my order?

When is my payment due?

Will I receive payment reminders?

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

Have you received my payment?

When will my payment be posted?

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

How do I cancel an order?

I have not yet received my order. What should I do?

When will my order be delivered/shipped?

What happens to my statement when I've made a return?

How do I return an order?

What happens to my statement if I receive a partial refund?

How will I receive my refund?

I have cancelled or returned my order. How long will it take until I receive my refund?

What is Klarna's privacy policy?

Am I protected from unauthorized purchases with Klarna?

Does Klarna protect my personal information?

How do I report a return or problem with my purchase through Klarna?

How do I make purchases through the Klarna app?

What is shopping through the Klarna app?

Customer Service

Why wasn't my purchase approved with Klarna?

Why does the store where I placed an order not know about Klarna?

What happens if I can’t pay on time?

What happens to my purchase since it has not been delivered because of the COVID-19 pandemic?

I’ve received a request for payment for a purchase that has been cancelled due to the COVID-19 pandemic. What do I do?

I need to make a return but I’m unable to go to the post office. What do I do?

I’ve made a purchase but I’m no longer able to receive my delivery and want to cancel the order. What do I do?

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

I returned my purchase, what happens next?

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

What do I do if the automatic payment fails?

Can I change my scheduled payment date?

Is this different from credit?

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

Is there a cost for paying in 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?

Where can I review my account and purchases?

Are late fees capped?

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

How much does it cost to snooze my repayment?

How does snooze work?

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?

How can I pay with Klarna in-store?

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?

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


Products & services



Settings & notifications

Spending limit



Privacy Policy (Notice)
Buyers Protection
Commonwealth Bank
Financial Wellness
On Site Messaging
The Empowerment Economy
Extra O Blog

Extra O blog

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.

Global News

Inside Klarna

Klarna in focus

Klarna in the news

Merchant spotlight

Mindful money

Smoooth sessions

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.
Understanding Online Buying Behaviours
Tuning In To The ‘new’ Retail Shopper.
Fast Track
Making ECommerce Even Easier.
Klarna Among Top 5 Most Disruptive Companies Globally.
Become A Klarna Partner
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.
Revive And Thrive Retail Hack Games
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.
Navigating Needs
Modibodi: Life Changer.
3 Reasons Why Using Klarna Is The Smartest Way To Shop Online.
Shop Now Pay Later
Klarna Available In Store...everywhere