The decline reason is displayed in a pop-up message, which appears at checkout, when you can’t use Klarna to pay.

Follow the instructions in the pop-up message before attempting to make another purchase.

We understand it can be frustrating if you experience that not all or no Klarna payment options are available to you when making a purchase – especially having been approved in the past. Different factors are being assessed in real time to help our customers balance debt risk and stay on top of their spending.

• Every purchase attempt generates a new automated approval assessment based on available credit bureau decision data in real time, so one rejection does not mean that future purchases will always be declined.

• A declined purchase does not impact your credit score.

Good to know: Our customer service agents do not have additional information about the automated decline reason and are not able to change or influence the decision.

• How can I get approved to pay with Klarna?