Extra O Blog

How to live for free (almost)!

Managing money and mental health.

‘Budgeting 101’ - A step-by-step guide.

Sensible Spending: Tips and inspiration on spending in a sensible and sustainable way.

Sharing your home and money.

Extra O blog

How to talk about money with the people you love.

Millennial guide to budgeting.

Festive spending: Planning and enjoying Christmas on a budget.

How it really feels to be in debt.

The rise of the side-hustle and how to find yours.

5 ways to get your own home.

Ten tips to quickly create an emergency fund.

A guide to happy shopping.

3 bad money habits and how to break them.

Easy ways to improve your money memory.

Pensions explained: how to invest for the future.

Unpicking the jargon around credit.

Going freelance? Here’s how to take charge of your cash.

Ethical spending: small changes to make your spending better for the environment.

Why are so many of us scared to check our bank balances?

Welcome to ‘The Extra O’.

Klarna Mythbusters.

How to shop smart in 2020.

Does Klarna impact my credit score?

How to manage your money with the Klarna App.

The Basics of Personal Finance.

Klarna kicks off February with smoooth sessions event: a future gazing edition.

How to get on top of your finances.

Behind the scenes with Hypebeast.

What affects your credit score?

Klarna and Olivia Rubin team up for an exciting collaboration at London Fashion Week 2020.

Why am I being charged fees for using Instalments with my Credit Card?

How To Borrow Sensibly.

Get what you love on Leap Day.

Why You Should Be Investing – And How To Start.

How to retire in your 30s.

Interview with Lara Oyesanya, Legal Director at Klarna.

Interview with Bea Åkerlund, Founder of The Residency Experience

Interview with Georgia Hardinge, Founder of Georgia Hardinge.

Interview with Aoife Houlihan, Vice President Communications at Klarna.

Interview with Marisa Hordern, Founder & Creative Director at Missoma.

Interview with Joanna Dai, Founder & CEO at DAI.

Interview with Victoria Watmough, Commercial Director at Klarna.

Interview with Katherine Holmgren, Co-founder of Galvan London.

Interview with Jane Wilson, Head of International Trading at Gymshark.

What To Look For When Renting.

Introducing additional reminders!

Tesco Bank credit card block.

Coronavirus: help and support.

Inspiration: Get a good night's sleep.

Klarna turns 15

Inspiration: At-home workouts.

Klarna wins the Epic Brands award.

Let’s celebrate retailers helping the community.

Inspiration: Self-care 101.

Improving your finances through progress, not perfection.

Introducing One-Time Passwords.

Disrupting customer acquisition post-COVID-19 and beyond.

Inspiration: Put your best foot forward.

Merchant Monday: Welcome to the family.

Klarna pledges to support the frontline response to COVID-19 with ASOS Giveback Day.

Money saving tips for new parents.

Influencers’ verdict: What online shopping will look like in 2021

What the new FCA rules mean for you.

Inspiration: Comfy home essentials.

Merchant Monday: Banish the bank holiday blues.

How we’re reshaping the world of finance.

How to manage your money in times of uncertainty.

Shopping trends: How Brits are adapting to life in lockdown.

Inspiration: Keep the kids busy.

Merchant Monday: Bring the outdoors in.

Planning a post-lockdown getaway? Get the most out of your cash overseas.

Smoooth Sessions - Fast tracking retail recovery.

Merchant Monday: It's beauty week!

Hot on everyone’s lips, legendary make-up artist Charlotte Tilbury has launched with Klarna.

Inspiration: Give good face.

Eight 2020 Beauty trends you can still embrace during lockdown with Beauty Bay.

Klarna consumers help shape smoooth shopping.

Morphe blog: Day to night makeup with Glamour by Suzy.

Inspiration: Upgrade your picnic.

Marketing Insider: The value of ideas with Laurel Wolfe and 11:FS.

How retailers are fast-tracking recovery after the COVID-19 crisis.

Overcoming financial anxiety.

Inspiration: Good hair days.

Merchant Monday: Step into summer.

Finding Financial 'App-iness

How we protect our customers and prevent fraud.

Inspiration: Get in gear.

Merchant Monday: Gearing up for the week.

Seven cycling to work essentials with Condor Cycles.

Get what you love and look after it with Cycle King.

Why you should immediately be hopping on an electric bike with Raleigh Bikes.

Meet the team behind Quella Bikes.

Inspiration: Daddy, Daddy Cool.

CNBC selects Klarna among top five most disruptive companies globally

How does Klarna prevent fraud?

Klarna is Proud to announce…

Inspiration: WFH made simple.

Klarna Comment: BNPL Regulation Campaign.

Footasylum's Top 10.

Sneaker lovers unite . . . with your heartbeat!

Behind the scenes of Heartbeats 4 sneakers.

Klarna’s tribute to the global sneakerhead community.

¡Hola amigos! Klarna expands to Spain and Belgium in new markets push.

Tune in to Sneakerbeats.TV

The psychology of shopping.

How to build an investment wardrobe in 3 steps with Yasmin Fatollahy.

The top 3 must have items for a capsule wardrobe with Domain Esdale.

3 minutes with Alex Vanthournout founder of Fashercise.

Three rules I live by when designing a product with Tom Gozney.

3 reasons to manage your money through the Klarna App.

Inspiration: Top-rated running shoes.

3 ways we check you can afford to use Klarna.

3 reasons why using Klarna is the smartest way to shop online.

Inspiration: In the nude.

An update on our goal to become carbon neutral

Inspiration: Throwing shade.

How to contact Klarna if you are struggling to pay.

Inspiration: Summer skincare.

Introducing Personal Finance Management.

120,000 signed up with their heartbeats for the chance to win exclusive sneakers.

Inspiration: Staycation must-haves.

Ted Baker and Klarna to offer customers flexible payment solutions.

Inspiration: Put the glam in glamping.

Inspiration: Festival fashion favourites.

Get the party started with Klarnival.

Here’s how Klarna is helping consumers to #Shoplocal.

Welcome to Klarnival! Klarna launches virtual festival.

Which group of shoppers were the fastest growing for Klarna during lockdown?

Inspiration: Almost too cool for school.

Why 35,000 new retailers have joined Klarna this year.

Klarna named to CB Insights Fintech 250 for 3rd consecutive year.

Introducing social shopping!

New retailers, just landed.

Dreamy shoes is what most shoppers are wishing for.

Klarna is one of the UK’s 10 most loved financial services brands.

Klarna comment: Xbox pre-order launch.

Introducing the Vogue Shopping Weekend x Klarna.

Klarna Comment: What to do for Xbox queries.

Invincible shoes and a kickass suit: how our purchases reflect our identity.

Klarna comment: Xbox update.

3 ways Klarna protects you whilst shopping online.

Klarna comment: Xbox final update.

Clothes love all.

Klarna unveils new campaign with Tan France championing inclusivity and demonstrating that fashion is for everyone.

Klarna Comment: Unexpected Newsletter.

Behind the scenes of Clothes love all.

New retailers, just landed.

Coats and boots – this is what UK consumers wish for.

New retailers, just landed.

Klarna launches research lab to explore the future of shopping.

Interview with Eleanore Chetcuti, Head of Brand at Missguided.

Interview with Melanie Marsden, Founder and Chief Brand Officer at Lounge Underwear.

Urban Outfitters and Anthropologie partners with Klarna ahead of peak.

The mailbox is dead. Long live the modular mailbox.

New retailers, just landed.

Nine-in-ten are yet to complete their Christmas shopping in a year like no other.

3 reasons why using a Klarna wish list is the smartest way to shop this Christmas.

Klarna comment: The Arcadia Group administration.

Klarna Marketing, from the inside with AJ Coyne.

The time is right for regulation.

The questions on your lips - how does Klarna make money?

Tryzens x Klarna: Making eCommerce easier.

Klarna’s data reveal what people wish for Christmas.

Pandora tops the list as the ultimate Christmas gift in new Klarna research.

Klarna comment: ASA rules against four Klarna social media posts.

New retailers, just landed.

Klarna comment: Brexit.

Five modern “shopper tribes” retailers should know.

Klarna help and support for the Coronavirus national lockdown.

Klarna supports CALM this January.

Why Klarna supports regulation.

This week's curated collections: Mind, body and soul.

Taking the time to invest in you.

10 tips to scale your e-commerce business, fast.

Why Klarna is essential for shopping in 2021.

The January hot list.

This week's curated collections: The Small Screen.

Working with retailers to promote Klarna responsibly.

New retailers, just landed.

Klarna comment: FCA Woolard review of regulation.

Ann Summers hits sweet spot with Klarna.

We’re feeling the love!

Klarna comment: How we encourage responsible spending.

Hot Futures creates cool experiences with Vend & Klarna.

This week's curated collections: Stay at home essentials.

Marrying online acquisition power to your brick and mortar.

The February hot list.

Belstaff hits campaign trail with Klarna.

A new tack for the flag-ship.

Klarna’s Consumer Council goes virtual for 2021

New retailers, just landed.

This week's curated collections: Mother's Day gifting.

Klarnaut of the Month: Daisy Anderson.

What is 1% of $1bn? It's our new sustainability commitment.

Celebrating Women's History Month with Dress For Success™

Smoooth Sessions - The future of selling.

Klarna launches Influencer Council to provide greater clarity on guidelines as more Brits turn to social media for financial guidance.

Klarna calls upon the BNPL industry to update their checkouts for greater transparency.

Problem solving with Kate Morris, Founder and Director of Adore Beauty.

Catching up with Anna Singh, Founder of Chinti & Parker.

Talking business with Camilla Giesecke, Chief Expansion Officer CeXO at Klarna.

Feeling empowered with Natalia Brzezinski, Head of Strategy at Klarna US.

Building a rocket ship with Megan Gokey, Head of B2C Marketing at Klarna USA.

Getting to know Tanya Weller, Director of Samsung Showcase, KX.

Feeling inspired with Jacqueline Gold, CEO at Ann Summers.

Let's talk sustainable fashion with Sacha Newall, Founder of MyWardrobeHQ.

Learning the ropes with Olivia Rubin, Founder of Olivia Rubin.

Feeling empowered with Nina Mohanty, Card Strategy & Expansion at Klarna.

BNPL and the new economic landscape.

This week's curated collections: Box fresh.

The March hot list.

Klarna Influencer Council launches with lively first session.

Achieving an 80% new customer acquisition rate with Osprey.

New retailers, just landed.

Klarna comment: The real reason banks are 'speaking out' against buy now pay later.

Home to in-store teleportation heels? Well, maybe not yet.

Klarna Influencer Council regroups for session two

5 tactics for humanising the commerce experience with Space48.

Klarnaut of the Month: Ellen Merrett.

Klarnaut of the Month: Kristina Bielskyte.

This week's curated collections: Beauty on a budget.

Global News

Inside Klarna

Klarna in the news


Latest innovations

Merchant spotlight

Merchant success

Mindful Money

Partner highlights

Shopping trends

This month at Klarna

Trends & Insights

On Site Messaging
Klarna's Buyer Protection Policy For Consumers
Tracking Technology Notice
Merchant Support

Merchant Support

Do I have a contact person?

Does Klarna have an integration guide?

How do I fix the error message "401 Unauthorized" in the checkout?

How do I fix the error message "bad value_purchase currency" in the checkout?

Why am I sent back to the shopping cart when I try to complete the purchase in the checkout?

How can I test my checkout?

What needs to be done before I can start integrating with Klarna?

What does "We need to check your business details manually" mean?

I have logged in to the Merchant Portal to integrate. How does it work?

Klarna Checkout does not work after I have integrated. What is the problem?

The details for the test enviornment is marked with a red X on the instalation page.

What is AML and why do I need to fill it out?

What is the username and password that needs to be added in my platform?

How does the integration work?

What is needed for you to activate my store for sales and to have my integration approved?

What is Klarna Checkout?

What is Klarnas payment methods as separate products?

What is Klarna In-store?

What is required to use In-store?

What details are needed in order for the agreement to be approved?

How do I pay Klarnas fees?

What languages are Klarnas agreements available in?

Is there any restrictions on what i can sell through Klarna?

Can I sell to other companies through Klarna?

In what countries can I use Klarna?

What is the difference between Klarnas products?

What can we answer when the customer if they ask about the remaining amount to pay?

How do I resend an invoice to a customer?

How do I post pone the due date for an order that will be delayed?

How do I change a customers billing address?

Why can't the customer complete their purchase?

How can I remove an item from a customer's order?

What happens when the customer makes a return?

Can I remove a customers reminder fee?

How can I market Klarna in my physical store?

How do I add a logo to customer invoices?

How can I change the Merchant Portal language?

How do I register a returned order?

Where can I find the outstanding balance of my loan?

How can I see the order history?

How will I receive my login credentials for the Merchant portal?

How do I remove a user?

How can I add a user in the Merchant Portal?

How can I remove an invoice?

How can I remove an order?

Where can I find my orders?

Where can I find my payout?

Where can I find the Klarna API Credentials?

How do I capture an order if only part of the order is in stock?

What does a captured order mean?

What does an expired order mean?

What is the Branding app?

What is the Users app?

What is the Settlements app?

What is the Orders app?

What is the Seller app?

What is an app in the Merchant Portal?

What is the Products app?

What is the Settings app?

Is there a binding period for the agreement?

How can I start selling with Klarna?

Where can I find my agreement?

In what languages are Klarna's agreement available?

How can I start selling to other countries?

How do I add new or additional products?

How can I upgrade to a new version of Klarna?

How do I sign up with Klarna?

How can I change the Administrator?

How do I change my bank account details?

When do I need a transfer agreement ?

Why is my IBAN needed for my Klarna agreement?

I have changed my Organisation Number. What do I need to do?

When will I receive my payouts?

What is AML and why do I need to complete this form?

What is an Administrator?

What is a payment service provider (PSP)?

We have received a warning stating our agreement will be cancelled if we do not respond to the email concerning our company’s beneficial owners, but we did not received an email. Can you resend it?

We have received a reminder regarding questions about our company’s beneficial owners but did not receive the initial e-mail. Can you resend it?

Why did we receive an e-mail in the “wrong” language?

We have received two e-mails regarding our company’s beneficial owners, but have only answered one of them. Do we need to answer both?

Why did we receive an error message when we attempted to complete the form concerning our company’s beneficial owners?

What is PEP?

I am not able to supply information regarding our company’s beneficial owners. Can you request this information form my colleague instead?

How can we be sure that the email “Klarna needs information regarding your company's beneficial owners” has been sent by Klarna?

It does not feel safe submitting information regarding our company’s beneficial owners on the internet, what should I do?

What does the e-mail regarding our company’s beneficial owners have to do with laws against money laundering?

Our Klarna Sales Representative has information regarding our company’s beneficial owners. Can you get this information from them?

We previously answered questions concerning our company’s beneficial owners when we signed our agreement with Klarna. Do we have to answer these questions again?

Why does Klarna require the information in the e-mail “We need information regarding your company's beneficial owners”?

We want to transfer our agreement to another company. How do we do it?

We have changed our organisation number. How do we update it?

How do we add a logo to our statements?

How do we update our contact details on the statements addressed to our customers?

How do we update our contact details?

How do we remove a user?

How do we reset passwords?

How do we activate a new user in the Merchant Portal?

Which access rights do the different user roles have?

How do we add a new user?

What is a registered user?

How can we see the transactions in each payout?

What does the payout report include and where can we find it?

How do we generate summary reports?

When do we receive the payment for our sales?

How do we send an updated invoice which the customer has disputed?

How do we remove goods and register partial refunds in the Merchant Portal?

What should we do if a customer disputes their statement?

We are waiting for a return - what should we do with the invoice?

The customer is wondering how much is left to pay. What should we answer?

A customer has paid us but should have paid Klarna. How do we resolve it?

How can we see the status of a statement?

How do we update the address on the statement?

How do we send an updated statement which the customer disputed?

How do we resend an updated statement to the customer?

How do we postpone the due date on a statement?

How do we remove an order in Merchant Portal?

How do we add products, fees, or discounts to an order?

How do we capture (or acknowledge) an order in the Merchant Portal?

Where do we find Klarna’s logotypes?

How do we know when and which of the fraud and shipping policies we should use?

Where do we find the shipping policy?

Where do we find the fraud policy?

How do we log in to the Merchant Portal?

What is the Merchant Portal?

When will the customer be refunded after we registered a return?

Is Klarna regulated by a financial authority?

What goods can’t be sold under a Klarna agreement?

What does Klarna cover in terms of fraud risk?

If a customer chooses Pay later, when will we receive payment from Klarna?

What currencies are accepted in the Klarna Checkout?


Agreement questions

Customer related cases

Merchant Portal

Sell with Klarna

Technical and Integration

Merchant Newsletter Sign Up
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House Of Klarna
Pay In 30 Days
Klarna’s Smoooth Stores
Terms And Conditions
Smoooth Payments
Customer Service

Customer Service

Can I change the card used to make payment?

Who do I contact about my Klarna loan?

What happens if I cancel my order?

What happens if I don’t pay for my order?

Can I pay before the due date?

Why have I not been offered to pay with Klarna?

What is ‘Pay in 3 instalments’ and how does it work?

What happens if I forget the payment date of a statement?

Why was I declined by Klarna?

How and when will I receive my refund?

What is Financing, and how does it work?

How do I sign-up and get a Klarna Account?

How can I change my email address?

I have not received my order. What happens to my statement?

How do I make a payment?

Where can I view my balance and statements?

Can I pay less than the amount owed each month?

There's something wrong with my order. Do I need to pay my statement?

What is my credit limit?

What happens if I make a return?

What information do I need to provide when I buy?

What is a representative Annual Percentage Rate (APR)?

What is an Affordability Assessment?

Where can I find the credit agreement for the Financing account?

Can I send my order to an address other than my billing address?

I haven't received the email enclosing my statement number/payment information.

How old do I need to be to use Klarna?

Has Klarna received my payment?

How does ‘Pay in 30 days’ work?

Am I protected from unauthorised purchases using Klarna?

What should I do if I am being charged fees for using 'Pay in 3 instalments' with my Credit Card?

Is Klarna still available during the COVID-19?

What happens if I can’t pay on time due to COVID-19?

What will happen to my purchase that has not been delivered because of the COVID-19?

I’ve received a request for payment for a purchase that has been cancelled due to the COVID-19 pandemic. What should I do?

I need to make a return but I’m unable to go to the post office due to COVID-19. What do I do?

I’ve made a purchase but I’m no longer able to receive my delivery due to COVID-19, and want to cancel the order. What do I do?

I’ve lost my job / income and can no longer pay on time due to COVID-19, what should I do?

How can I spot a scam or phishing attack?

How can I help protect myself against fraud?

What is impersonation fraud?

What is identity theft?

Where can I find further information on protecting myself from fraud?

I do not recognise this Klarna purchase. What should I do?

How can I spot and avoid COVID-19 scams?

How can I report a fraud attempt to Klarna?

My payment holiday (payment freeze) due to COVID-19 is coming to an end, what happens next?

Why am I struggling to make a payment in the Klarna app?

What is a One-time Password?

Does Klarna perform a credit check on me, and will this affect my credit score?

Is my payment information safe?

I need extra support to help manage my finances. What resources are available to me?

Why should I pay the interest-saver amount?

Why are not all payment methods available at the checkout?

My payment holiday is coming to an end, what happens next?

Will I be charged a fee and interest if I need a payment holiday?

How does a payment holiday impact the use of Klarna?

What happens if I request a payment holiday?

Will my credit score be negatively impacted by my payment holiday?

Can I pay later?

How do I log in & out of my Klarna profile?

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

What is a Credit Reference Agency (CRA)?

What is a credit search?

Does Klarna send my information to the Credit Reference Agencies (CRA)?

What can I do to get my purchase approved?

Why can’t Klarna’s customer service agents explain why my purchase was declined?

I have an excellent credit score so why did Klarna not approve my order?

What data is used by UK banks and financial institutions in their lending decisions?

Account & settings



Credit check

Data protection

Declined purchase


Delivery & returns

Fraud & security

Fraud protection

How to use Klarna

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Manage payment & contact details

Managing refunds

Payment deferral

Payment issues

Payment options


Products & services


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