My purchase was denied, why do I still see a transaction to Klarna on my card?

The transaction on your payment card is an authorisation hold, which is released within 24 hours if the Pay in 3 purchase is declined.

Good to know: When the hold is released your account balance will update automatically. Depending on your financial institution, it might take between 1 to 7 business days for this to reflect on your account balance.

In the case that you receive a payment plan for a failed or cancelled purchase, it could be due to the store not cancelling the order in their system. Contact the store to cancel the order. If the store is unable to cancel the order,

with the cancellation confirmation to hand.

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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.