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If you don’t successfully make a purchase, any hold placed on your payment card will be released immediately. Depending on your financial institution, it might take between 1 to 7 business days for this to reflect on your account.
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You can use Klarna at any US retailer via the Klarna app or visit our store directory to view brands where you can use Klarna directly on participating stores’ websites.
Once you are set up on the Klarna app you can connect your credit/debit card and you are ready to shop with us. Make sure to download the Klarna app here to shop at any of your favorite stores and pay later with Klarna.
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Sometimes you might need more time to pay – we completely understand!
Depending on the payment method you’ve chosen when making the purchase, you might have the option to change the due date of your statement and pay later. Just log in to the app or click here and select the statement you would like to pay later and see if the option is available for that purchase. If not, then it is not possible to change the date for that statement.
Good to know: Only with our ‘Pay in 30 days’ can you change a scheduled payment date. For all other payment options it is not possible to change the payment date. If you have a Financing Account, you are able to make a payment for your statement any time between the 2nd and 26th of the month to cover the minimum due and extra payments can be made any time.
What happens if I pay later and will I be charged for paying late?
If we are unable to collect a payment on the scheduled day, we will try again. If the payment is unsuccessful after a second attempt, a late fee of up to $7.00 will be added to your outstanding balance if you paid with ‘Pay in 4 installments’. Missed payments will be added to the total of the next scheduled payment. To keep you in the loop, we’ll send you an email notification if your payment was unsuccessful. Please keep in mind if payments get unpaid, you might be blocked from using our payment options in the future.
For Financing Account
If the minimum payment due is not made by the due date each month, you can be charged up to $35.00 per missed month. The amount of your late fee will not exceed your minimum payment due.
What happens if I don’t pay off my No Interest If Paid In Full promotion before it expires?
If you are part of a ‘No Interest If Paid In Full’ promotion, and you miss a payment, you will be charged the interest that accumulated since the transaction posting date at 19.99% APR. The amount of interest that has been accruing is tracked on the first page of your Klarna monthly statement. If you are late with your payment make sure to pay off the balance in full by the expiration date to avoid interest charges.
Note: If you’re going through hardships and need help to plan your future payments, please do not hesitate to contact our customer service team here . Let’s find a solution together.
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When you choose to pay in 4 interest-free installments, Klarna may perform a soft credit check. This type of check will not impact your credit score and it will not show up as a hard inquiry on your credit report.
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All refunds will be issued according to the store’s policy for returns and cancellations. Once the store has registered your return or cancellation with Klarna, your refund will be processed, you can expect your refund as outlined below:
Your refund will be processed to your original form of payment. If your original form of payment is associated with a now closed bank account or credit card, please contact your financial institution regarding the refund
For Financing Account
If you paid using monthly financing, refunds will be applied to your Klarna account. To request a refund we kindly ask you to contact our Customer Service.
If you are expecting a partial refund from the merchant there will not be a change to your monthly payments. Your payments will remain the same and you’ll pay off the balance sooner. The refund will be reflected on your next monthly statement.
For ‘Pay in 30 days’
If the store provides a partial refund for your order, you’ll receive an email letting you know the updated amount due.
For ‘Pay in 4 installments’ and ‘Pay over 6 months’
If you receive a partial refund for your order, the credit will first be applied to your last scheduled payment instead of changing the amount due each payment. So your upcoming payments will continue to be collected until the remaining balance is paid off.
Good to know: If the store’s return policy does not allow refunds to the original form of payment, for example, they only allow store credit, you are still responsible for your payments to Klarna associated with that purchase.
Still waiting for your refund?
Refund processing times vary and can take up to 14 days depending on your financial institution. To check the status of your refund, please confirm first that the store has updated your statement accordingly here and check if you might have already been refunded to your original payment method.
If 14 days have passed since the issue of credit and you are still missing your refund please contact us for further support.
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Klarna does not approve 100% of all orders and our aim is to support responsible, ethical, and sensible spending habits. We understand that it can be frustrating to be declined for purchase after being approved in the past. However, our approval process helps Klarna responsibly offer our services to our customers. Please understand that our Customer Service is not able to change the automated outcome of the approval decision.
How can I increase my eligibility?
- Length of time you have been a Klarna customer may increase your limit. History of positive behavior as a Klarna customer can improve your chances of being approved
- If you still have balances on unpaid purchases, it would be beneficial to pay them off to possibly increase your spending limit
- The total amount in the shopping cart may be too high, so try to remove an item(s) and try again
Good to know:
- Each purchase is a new decision so one rejection does not mean that your future purchases will always be declined
- A rejection does not negatively impact your credit score
- Attempting too many purchases in a short amount of time may result in being rejected (fraud prevention)
- The approval decision is not based solely on credit score, but rather multiple internal data points such as past payment history
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In order to take necessary precautions for the evolving COVID-19 pandemic, some retailers are canceling certain services that you may have purchased. Please reach out directly to the retailer to inquire about the status of your event or in the case of travel to inquire about the status of the booking.
If you have already paid for the purchase, Klarna will refund you if the retailer processes a return under their refund policy.
We ask you to directly contact your retailer to resolve any issues you may have on your order. If your retailer updates your order it will be automatically reflected in our systems and in your Klarna app.
More information on how to report a problem with Klarna can be found in Klarna’s fraud liability protection here.
