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Why are not all payment methods available at the checkout?

Klarna does not approve all orders for all our payment options and our aim is to support responsible, ethical, and sensible spending habits. Although our payment options are widely promoted they are not always universally available. We understand that it can be frustrating to not be able to choose the payment option you prefer. However, our approval process ensures Klarna offers responsible lending and services to our customers . Please understand that our Customer Service is not able to influence which payment options are available to you.

There are a number of factors, including address details, cardholder details, amount of order, the online store, previous order history, that are taken into consideration to determine which payment methods are offered. Some stores that offer Klarna don’t offer all payment options. Even if the store offers your preferred payment options with Klarna, it may not be available for all products and purchases. All at the time of your purchase available payment options will be presented at checkout.

Good to know: Each purchase is a new decision so in the future, your preferred payment option might be available to you again.

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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.