Why was my purchase not approved by Klarna?

The reason is displayed in a pop-up message, which appears at checkout, if you are not approved to pay with Klarna. Be sure to follow the instructions in the pop-up message before attempting to make another purchase.

We understand it can be frustrating if Klarna’s payment options are not available 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.

Good to know: Common data points typically considered in automated approval decisions for Buy Now Pay Later (BNPL) services include:

  • Credit score
  • Income
  • Employment stability
  • Spending patterns
  • Debt-to-income ratio
  • Residential status
  • Identity and age verification
  • Credit history
  • Affordability assessment
  • Savings and investments
  • Outstanding credit

Note, each purchase generates a new automated approval assessment so one rejection does not mean that your future purchases will also be declined.

Our customer service agents do not have additional information about the automated decline reason, based on credit bureau decision data, and are not able to change or influence the decision.

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Copyright © 2005-2023 Klarna Bank AB (publ). Klarna Bank AB (publ), is authorised by the Swedish Financial Supervisory Authority in Sweden and is regulated by the Central Bank of Ireland for conduct of business rules. Please shop responsibly, 18+, ROI residents only, T&Cs apply. Credit subject to status.