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.
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.
Ten tips to quickly create an emergency fund.
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?
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?
Get what you love on Leap Day.
Why You Should Be Investing – And How To Start.
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!
Coronavirus: help and support.
Inspiration: Get a good night's sleep.
Inspiration: At-home workouts.
Klarna wins the Epic Brands award.
Let’s celebrate retailers helping the community.
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.
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.
Merchant Monday: Step into summer.
How we protect our customers and prevent fraud.
Merchant Monday: Gearing up for the week.
Seven cycling to work essentials with Condor Cycles.
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 Comment: BNPL Regulation Campaign.
Why am I struggling to make a payment in the Klarna App?
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.
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.
An update on our goal to become carbon neutral
How to contact Klarna if you are struggling to pay.
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.
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.
3 ways Klarna protects you whilst shopping online.
Klarna comment: Xbox final update.
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.
Coats and boots – this is what UK consumers wish for.
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.
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.
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.
This week's curated collections: The Small Screen.
Working with retailers to promote Klarna responsibly.
Klarna comment: FCA Woolard review of regulation.
Ann Summers hits sweet spot with Klarna.
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.
Belstaff hits campaign trail with Klarna.
Klarna’s Consumer Council goes virtual for 2021
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.
Klarna Influencer Council launches with lively first session.
Achieving an 80% new customer acquisition rate with Osprey.
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.
Buy Now, Pay Later is a crucial tool in the post-lockdown recovery.
Transparency and responsibility - poignant points from The Influencer Council’s third session.
Everything hair with Adam Reed.
In the debate about buy now pay later, facts and context are sadly lacking.
Introducing Klarna's #GiveOne Initiative.
3 pandemic trends that are shaping the future of selling.
Klarna is growing in the UK! We’re moving our London HQ and expanding in Manchester.
Consumers deserve better credit and up-to-date regulation.
Discover the truth: Klarna is for more than just fashionistas.
Discover the truth: With responsibility, Klarna is for everyone.
Discover the truth: Nothing is free, not even through Klarna.
Discover the truth: Klarna doesn’t make money from hidden fees.
Discover the truth: We are different but not too pink to be trustworthy.
Discover the truth: We are one of Europe’s largest banks.
Discover the truth: Klarna lends responsibly.
Getting creative with Ignasi Monreal.
Online or in-store shopping? That is the question.
From IRL to URL: how retailers are embracing virtual shopping.
Influencer Council: the final stretch! Highlights from Session Four.
Feeling optimistic about your financial future? You’re not alone!
More needs to be done to loosen the grip of the large banks.
Klarna ads are clear and concise. What about credit cards?
The inevitable decline of the credit card.
10 things you didn’t know about buy now pay later.
Klarnaut of the Month: Amanda Sadler.
How Cox & Cox opened up lucrative demographics with Klarna.
Retailers must get returns right.
4 tactics to scale your eCommerce business quickly.
Detailed incident report: Incorrect Cache Configuration leading to Klarna App Exposing Personal Information
Introducing a game-changing new shopping feature.
The state of returns in 2021: insights from our latest report.
How to create an Insta-worthy house for less.
Insights from our Summer Smoooth Sessions 🛍️
In the bag: winner of the Klarna Beauty Industry Disruptor Award.
10 financial terms that everyone should know
It’s time for the old banks to face facts.
Klarnaut of the Month: Jordan Hart.
How to future-proof your ecommerce store: 3 questions to ask yourself.
People have many reasons for using credit; we make sure it doesn’t cost them.
Klarnaut of the Month: Camilla Sanders.
Mr Porter’s lessons on navigating the next normal.
Understanding the true cost of “traditional” credit.
Klarnaut of the Month: Fraser Bissett
We’re ready to go back to normal life, cautiously.
Klarnaut of the Month: Holly Whittle.
Alternative Airlines MD, Sam Argyle on reaching new heights post pandemic.
Kathryn's Director, Kathryn Stuart on customer obsession and bringing a small luxury boutique online.
Klarnauts re-unite! Welcome to the face-to-face family.
The questions on your lips - What’s the truth behind BNPL and mortgage applications?
5 Steps to Smarter Email Marketing.
Small business owner, George Greenhill, on going from student start-up to nationwide distribution business.
How to: Find it. Love it. Share it.
How to uncover the hidden ROI of activate customer communities.
A day in the life of a Klarna Intern.
How to: Hit that snooze button.
How to: Never pay full price again.
Insider tips to making ecommerce experiences ‘magnetic’.
Maximising Black Friday, Cyber Monday and other sales periods.
How open banking can take consumer credit to the next level.
Information about the disturbances to Klarna’s payment methods in Europe on October 2, 2021
Setting up your social for success.
Detailed incident report: Disturbances to Klarna’s payment methods in Europe on October 2, 2021
Peak planning: Get ready for the shopping season with Klarna CSS.
Klarna comment: Buy Now Pay Later and credit products cannot be used on gambling sites.
Seven simple steps to building a great local journey with Global-e.
Klarna Comment: HM Treasury consultation regarding regulation of BNPL.
Sunak’s socks & sliders remain “on message” with gen-x peer group, new research shows.
Telling your brand story with Engine MHP.
Why BNPL is a no-brainer for cross-border.
Supporting planet health initiatives with Klarna Give One.
Top 5 navigation steps for start-ups.
How to: shop smoooth, in-store.
How does Klarna protect you against fraud?
Ditching your credit card for Black Friday shopping? You’re not alone.
Gifting all wrapped up: our shopper insights.
Klarna’s browser extension is here!
Klarna comment: Fact vs Fiction. The real truth about BNPL
Security update - The log4j vulnerability
Klarna 2021: a year like no other.
Klarna Comment: January Newsletter.
The Klarna card is here: we’re launching a no interest physical card in the UK.
2022: The SME breakout year and other retail predictions
Do you feel left in the dark by your credit card T&Cs? You're in good company.
Sustainability - A solid start, an even more ambitious future
Play our digital card game Money Talks now!
Enjoying the journey with Lou Bennett at Benefit Cosmetics
Navigating the route to success with Huda Kattan, Founder of Huda Beauty
Camilla Giesecke in conversation with Fanny Moizant, Co-Founder and President of Vestiaire Collective
Achieving a vision with Dimple Patel at Trouva
Responsible innovation with Dr. Amanda Parkes at PANGAIA
Klarna comment: SDPA's conclusion of their audit
Harris Reed x Klarna - competition for aspiring designers.
Five days shaping the future of Klarna in the UK.
Klarna partners with Record Store Day to celebrate the discovery of new music.
All you need to know about Klarna sharing BNPL payments with credit reference agencies.
Company announcement from CEO Sebastian
16 Ways You can Help Save the Oceans with Klarna
Regulation will take time, but protecting consumers doesn’t have to.
BNPL is healthier than rip-off credit cards, even for food.
Why Klarna is a long term growth partner for retailers
Tired of sifting through endless results to find the best price? We’ve got you covered…
Your Money Story is here! Find out what you spent in 2022.
Circularity at Klarna – An interview with Alexandra
Partner directory - Platforms and plugins
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?
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 Klarnas payment methods as separate products?
What is required to use In-store?
What details are needed in order for the agreement to be approved?
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?
What is the difference between Klarnas products?
What can we answer when the customer asks 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 can I add a user in the Merchant Portal?
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 an app in the Merchant Portal?
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 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?
When will I receive my payouts?
What is AML and why do I need to complete this form?
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?
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 activate a new user in the Merchant Portal?
Which access rights do the different user roles have?
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 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?
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?
How can we see the status of a statement?
In what countries can I use Klarna?
Why did we receive an email from the customer that wasn’t sent from their private email address?
What do we do when we receive a customer email sent from the Klarna app?
Klarna’s Smoooth Stores
How can I add, remove or change my card or bank account?
My order was canceled. Why am I still being charged?
Why have I not been offered to pay with Klarna?
I haven’t received my order. Do I have to pay?
There’s something wrong with my order. Do I have to pay?
When will the authorisation hold be released?
What happens if I'm experiencing financial difficulties due to COVID-19?
I’ve lost my job/income and can no longer pay on time due to COVID-19, what can I do?
How can I identify and avoid COVID-19 scams?
My payment holiday (payment freeze) due to COVID-19 is coming to an end, what happens next?
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?
My purchase was denied, why do I still see a transaction to Klarna on my card?
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?
I have used Klarna before - why have I been declined?
What happens if my purchase is for a different amount than my One-time card?
What if I never use the One-time card and want to cancel it?
Why was my One-time card purchase declined?
How can I change my email address?
I need extra support to help manage my finances. What resources are available to me?
How can I get approved to pay with Klarna?
Why can't I pay with Klarna anymore?
What happens after I‘ve reported my problem?
What’s the status of the investigation into my problem?
How long does it take for my problem to be solved?
My problem has been solved, what should I do?
Why was the investigation of my problem closed, even though my problem has not been solved yet?
What should I do if the store doesn’t respond?
My return hasn’t been registered, what should I do?
What happens when I report a return?
Can I change my return after it’s been reported?
When will my order be delivered?
Why did I receive a reminder after returning my order?
What’s the status of the investigation of my return?
How long does it take for my return to be registered?
Why was the investigation of my return closed, even though my return hasn't been registered yet?
When will I receive my Klarna Card refund?
Why was my Klarna Card purchase declined?
How do I block my Klarna Card?
How do I pay for my Klarna Card purchases?
How can I make a formal complaint to Klarna?
Why was my Financing payment not debited automatically?
Why was I denied a Klarna Card?
Where can I find my payment plan?
I received an error message when trying to pay, what can I do?
Why do I see two orders in the app when I only placed one?
How can I report a fraud attempt?
I don’t recognize a charge, what should I do?
How do I change my billing address?
How do I close my Klarna account?
How can I merge my Klarna accounts?
I can't log in, what can I do?
How do I change the card for a purchase?
What is phishing and how can I identify it?
How can I protect myself against identity theft?
How can I request the deletion of my personal data?
Why do I need to verify my details when paying?
Does Klarna charge an annual fee?
How much am I eligible to spend?
Does Klarna perform a credit check and will this affect my credit score?
What happens if I can’t pay on time?
What happens if I don’t pay for my order?
Will my credit score be negatively impacted by my payment holiday?
What happens if I request a payment holiday?
What is Financing, and how does it work?
How do I apply for a Klarna card?
What is Buy Now Pay Later and how does it work?
What is a One-time card and how does it work?
How does ‘Pay in 30 days’ work?
Can I pay in-store using Klarna?
How do I inform Klarna about a personal issue (bankruptcy, a trusteeship or a deceased person)?