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 © 2005-2023 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.

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