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

When you attempt to place an order using our Pay in 3 payment method or creating a One-time card an authorisation hold is placed on the card you have connected in the Klarna App, to reserve the funds for the first instalment. This is the transaction that you might see on your bank statement.

If you don’t successfully make a purchase, the authorisation hold placed on your payment card will be released within 24 hours. Depending on your financial institution, it might take between 1 to 7 business days for this to reflect on your bank statement.

Good to know: As the transaction visible is just an authorisation hold and not an actual payment, the reversal might not show up on your bank statement. It will just disappear and the reserved balance will be available to you again.

In the case that you receive a payment plan for a failed or cancelled purchase, it could be due to the store not fully cancelling the order. Please reach out to the store so they can cancel the order. If the store is unable to cancel the order, you can reach out to our customer service with the cancellation confirmation on hand.

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Copyright © 2005-2023 Klarna Bank AB (publ). Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Klarna Bank AB offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Klarna Bank AB (publ) registered and head office: Sveavägen 46, 111 34 Stockholm, Sweden. A Swedish public limited company (publikt bankaktiebolag) registered with the Swedish Companies Registration Office with organisation number: 556737-0431.