Why was my Financing payment not debited automatically?

There could be different reasons why your Financing payment was not automatically withdrawn:

There is no active direct debit mandate
Without an active direct debit mandate, Klarna does not have the authorisation to automatically debit your bank account. Ensure you have connected an active direct debit mandate to your bank account.

  1. Go to

  2. Tap Connect a bank account

  3. Enter your bank details and complete the steps to link your direct debit mandate

Autopay is not enabled
You need to also enable autopay to automate payments after setting up a direct debit mandate, as Klarna’s automatic payment is based on two-factor authentication. Tap the toggle Autopay on also located under


You’ve reported a problem
If you’ve reported a problem for your order the payment is automatically paused and no longer due until the investigation is closed.

You’ve made a manual payment
If you’ve made a manual payment that is either equal to, or more than, the interest-saver amount, or minimum amount, against your monthly statement, the automatic payment is not triggered.

Your account has been adjusted
If a complaint has been raised on your behalf, which resulted in an account balance adjustment against your account, the automatic payment may not have been debited.

to view your account, or if you have any questions about any of these reasons or further issues with our Customer Service.

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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.