Payments

We’re making payments as smoooth as possible at Klarna! Depending on which payment method you chose, you may not need to lift a finger. In-app shopping with a Ghost card: All you need to do is sit back and relax! As soon a the store ships your order, you will receive an email from Klarna outlining your payment schedule. These payments will be automatically withdrawn from the debit/credit card you have on file with us according to this schedule. If you want to pay your entire order off early, simply log in to your account on klarna.com or through the Klarna app, choose the ‘Spending’ tab, select the purchase you want to pay off, and then click ‘Pay off early’. Shopping directly at a retailer using 4 interest-free installments: This is exactly the same as shopping in the app. As soon the store ships your order, you will receive an email from Klarna outlining your payment schedule. These payments will be automatically withdrawn from the debit/credit card you have on file with us according to this schedule. If you want to pay your entire order off early, simply log in to your account on klarna.com or through the Klarna app, click the ‘Spending’ tab, choose the purchase you want to pay off, and then click “Pay off early”. Shopping directly at a retailer using Pay later in 30 days: Once your order has shipped, you will receive an email from Klarna with a link to pay for your purchase, and the date the payment is due. Whenever you are ready to pay for your purchase, just click the link in the email and follow the prompts to add your payment details. You can also pay for your order directly through the website or the Klarna app when you log in. All you need to do is go to the ‘Pay’ tab to find the order that needs to be paid, then follow the prompts to complete your payment. Shopping directly at a retailer using financing: You can make payments on your Klarna credit  account through the Klarna app, klarna.com, by phone, or by mail.

• Klarna app
  • Log in to the app and click ‘Pay’ and then choose your account
  • Follow the prompts to submit your payment. Keep in mind that Klarna credit accounts cannot be paid with a credit card
• Klarna.com
  • Log in to your klarna.com account with the email address associated with your account
  • Select the ‘Pay’ tab and then choose your account
  • Follow the Prompts to submit your payment. Keep in mind that Klarna credit accounts cannot be paid with a credit card
• Phone
  • Call our customer service number and pay with one of our representatives (you will need to have your routing and bank account information for this method)
• Mail
  • Make sure to include your account number in the memo section and mail your check to: Klarna Inc. P.O. Box 206487 Dallas, TX 75320-6487

Klarna credit - If you chose to slice up your payments with Klarna financing, your monthly payment will be due on the 26th of each month. We'll email you on the 4th letting you know your statement is ready. Pay later in 30 days - Once your order has shipped, you'll receive an email with your due date and a link to pay. You'll have up to 30 days to pay, depending on what was offered at checkout. 4 interest-free installments and in-app shopping with a Ghost card - The first ¼ of your payment will be charged when your order has been shipped. The remaining three payments will be automatically charged every two weeks. Your payment schedule is sent via email when your order is shipped. You can also find each order's payment schedule in the app by clicking on ‘Spending’, choosing the order you want to see, and then clicking on ‘Show Plan’.

Yes. Klarna will send you a payment reminder by email, text, or push notification two days before payment is due.

4 interest-free installments and in-app purchases are already set up for automatic payments. You can choose to schedule automatic payments (AutoPay) for Klarna credit accounts (financing orders) by logging into klarna.com or the Klarna app, and following these steps:

• Go to your profile settings and select ‘Payment methods’
• Select ‘Add a bank account’, enter your bank account and routing numbers, and click ‘Confirm’
• Once your bank account is added, click the button labeled ‘AutoPay’
• If enrolled successfully, the ‘AutoPay’ button will turn green

By enrolling in automatic payments, you'll pay the minimum payment due automatically on the 25th of each month. If you have a ‘No interest if paid in full’ purchase, additional payments may be required to avoid paying interest on your purchase.

To turn off automatic payments (AutoPay), log into klarna.com or the Klarna app and follow the below steps.

• Select the profile settings icon and select ‘Purchase & Payment’
• Select ‘Autopay’
• Click the toggle next to ‘Autopay’

We’ll send you a confirmation indicating automatic payments are turned off.

Insufficient funds -

• Klarna credit and Pay later in 30 days - We'll email you letting you know the payment was declined, and you can resubmit payment once sufficient funds are available.
• 4 installments and in-app shopping with a Ghost card - We’ll email you letting you know that your payment was declined if sufficient funds are not available to cover your payment. Klarna will automatically make 2 more payment attempts within 4 days of the original scheduled payment date, so please make sure that the card connected to your account is up to date, and has enough funds.

Invalid account - Make sure you've entered the correct payment information when making a payment. If your payment information is entered incorrectly, we’ll send you an email notification. To resolve this issue, simply re-enter the account and routing numbers in the ‘Payment methods’ section of your account. If you've entered your account information or debit card number correctly and you continue to receive this error, please reach out to your financial institution to make sure you're using the most up to date information. Note that payments for Klarna credit accounts cannot be made with a credit card Technical error - Try the steps below if you encounter a technical error when trying to make a payment:

• Close and reopen your browser
• Use the most up-to-date browser version
• Clear your cookies
• Make sure you aren't using a restricted network; such as a work connection

Email not received - If you haven't received your statement or login email, try checking your spam folder and following the ‘technical error’ steps above. If you're still experiencing issues, please contact Klarna Customer Service.

If paying online, through the app, or over the phone, we'll send a confirmation email to the address used on your order. You can also view the status of your payment by logging into klarna.com or into the Klarna app. For check payments, you can view the status of your payment by logging into klarna.com. Keep in mind that it may take 1-2 business days for online, app, and phone payments to reflect on your account.

Payments made by 8:00 pm EST will post the same day. Payments made after 8:00 pm EST will post the following day. You should expect funds to clear your bank account within 1-3 business days. For check payments, please allow 5-7 business days for your check to get to us.

To add/delete a card or bank account through a web browser:

• Log in to you account at klarna.com
• Select ‘Payment Settings’ from the drop-down in the top of the page.
• Choose to ‘Add a card’, ‘Add a bank account’, or ‘Remove’

To add/delete a card or bank account through the Klarna app:

• Download and log in to the Klarna app
• Choose profile settings in upper corner
• Select ‘Payment methods’
• Add a new card or bank account

You're able to have one card and one bank account saved at a time. Once one is removed, you can add a new card or bank account. Please note, you must use your bank account and routing numbers to make an online payment on your Klarna credit account.