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Why do I need to verify my details when paying?

We ask you to verify your details to ensure your information, and purchases associated with your email address, are shared securely.

These are the ways by which we can verify your details:

  • We’ll send you a verification code by email to verify your email address

  • We’ll send you a verification code via SMS to verify your phone number

  • We’ll ask you to log into your bank to verify your identity

  • We’ll ask you to log into your Facebook account to verify your identity

What is PSD2?

The Second EU Payment Services Directive (PSD2) makes online payments more secure by requiring a stronger customer authentication procedure (SCA). Because of the directive, you need to confirm your payment with a second authentication step (two-factor authentication). For example with a fingerprint in the online banking app or an additional verification code.

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Copyright © 2005-2024 Klarna. Klarna Financial Services UK Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna Financial Services UK Ltd offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.