Why did Klarna charge me twice?

You have not been charged twice, but you may temporarily see what appears to be two transactions for the same purchase on your account.

The pending transaction you can see, also called an authorisation hold, is the reservation of funds on your account to ensure you have sufficient funds reserved for the first instalment of your Pay in 3 purchase.

The pending hold is not debited from your account but it does temporarily reduce your available balance. The reservation of funds is released as soon the processing of your order is complete.

The pending hold has not been released

There are several factors that affect how long the hold will appear on your account, such as if you placed the order in or outside of business hours, how long the store takes to process the order and your bank’s process.

Good to know: Contact your bank or card issuer directly if after 7 working days the pending hold has not expired or been released.

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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.