When Klarna can't approve your payment, you'll see a pop-up at checkout explaining why. Please follow the instructions in that message before trying to make another purchase.
We understand that it's frustrating when you can't use Klarna's payment options, especially if you've used them before. Don't worry, declined purchases won't affect your credit score.
Good to know: When we make automated approval decisions for pay later services, we typically look at things like:
Credit score
Income
Employment status
Spending habits
Debt-to-income ratio
Residential status
ID and age verification
Credit history
Affordability assessment
Savings and investments
Existing loans
Note: Every purchase triggers a new automated credit check. Just because one purchase is declined doesn't mean future ones will be too.
Our customer service team doesn't have additional details about why the automated system declined your purchase (these decisions are based on credit bureau data), and they can't override or change the decision.