Payments

Follow these steps after logging into your Klarna customer account:

• Click ‘Purchases’ or here
• Click on the purchase you’re requesting to change the card for
• Click ‘Change card

Good to know: Please make sure to use the most up to date card information and that the credit/debit card does not expire within two months from the date of purchase to avoid payment errors.

You are welcome to pay either Klarna or the collection agency. If you choose to pay Klarna, the collection agency will be updated about any payment made to Klarna within 48 hours.
If you decide to pay the collection agency then we will be notified of this every Monday when our systems are updated.

The contact details of SIMM and True Accord are:

SIMM:
1(855)427-8739

SIMM’s hours of operation are:
Monday-Friday 8AM-9PM ET
Saturday 8AM-12PM ET
Email: CustomerService.Klarna@simmassociates.com

True Accord:
1(866)611-2731
Email: support@trueaccord.com

True Accords’ hours of operation are:
Monday-Friday 8AM-7PM ET

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.

To ensure safe spending practices, each new purchase is evaluated by our system to determine approval. This takes into account many different factors including time of day, size of the purchase, and any history with Klarna. The longer you have been using the in-app shopping feature and the more orders you have successfully repaid, the more likely you will be able to spend more. Restrictions are tighter for ‘new’ shoppers until we get to know you. Each time you use in-app shopping we are making a fresh decision, and over time you will be able to spend more as long as you continue to repay your payments on time as per your
agreed payment schedule.

Good to know: Minimum spend is $10.00.

In case of a higher purchase amount

You must delete the One-time card and create a new one for the correct amount. Learn more.

Good to know: Please be aware that depending on the payment option you choose when creating the card, there might be a hold placed on your payment card for each One-time card you create. This ensures that enough funds are available on your credit or debit card. Once you delete the One-time card we remove any holds placed on your card immediately. Depending on your financial institution, it might take between 1 to 7 days.

In case of a lower purchase amount

No worries – you’ll only be billed for what you end up using. Your payment plan will be automatically updated 14 days after purchase to reflect the amount spent.

Good to know: If you have already paid more than what you used, we will issue you a refund.

Sometimes you might need more time to pay or want to make an earlier payment. Depending on the payment method you’ve chosen when making the purchase, you might have the option to change the due date for a fee to pay later or to pay earlier for free.
Just log in to the app or click here and select the statement you would like to pay later or earlier and see if these options are available for that purchase. If none of these options are available, then it is not possible to change the date or pay earlier for that statement.

Good to know: The scheduled payment date for purchases paid with ‘Pay in 4 installments’ or ‘Pay over 6 months’ can’t be changed but you can choose to pay off the entire balance or one of the installments earlier. The due date for monthly Klarna credit statements (Financing Account) can’t be changed at this time.
You are able to make a payment for your Klarna credit statement any time between the 2nd and 26th of the month to cover at least the minimum due to avoid late fees and extra payments can be made any time and

Follow the steps below to make an earlier payment or change the due date:

In the Klarna app

• Log in to the app
• Click ‘My Klarna’ to find the option to view your ‘Purchases’ or all your ‘Payments’
• Choose the purchase or statement you want to pay earlier or later
• If the payment options ‘Pay early’ or ‘Pay now’ are available for that purchase just follow the prompts to pay earlier
• If the payment option ‘Snooze’ is available just follow the prompts to change the due date for a fee to pay later

On Klarna.com

• Click here and log in with the email address associated with your account
• Click ‘Purchases’ to find the statement you’d like to pay earlier or later
• If the payment options ‘Pay early’ or ‘Pay now’ are available for that purchase just follow the prompts to pay earlier
• If the payment option ‘Snooze’ is available just follow the prompts to change the due date for a fee to pay later

As part of our approval process, we may conduct a pre-authorization hold on your specified card to ensure it is not being used fraudulently. The amount charged will never be greater than your first installment due for the order. The pre-authorization is immediately voided or reversed by Klarna, which means that the funds should not be withheld from your account. Processing times to remove pre-authorization holds vary by bank.

Please note, this is not a charge, and Klarna does not receive any funds associated with the pre-authorization.

The quickest and easiest way is to make payments and check the status of your payments online and in our app. When you shop directly at a retailer who offers Klarna’s payment options we also kindly ask you to make payments through the Klarna app or klarna.com.

How to pay your order (‘Pay in 4 installments’, ‘Pay Now’, ‘Pay in 30 days’ or  ‘Pay over 6 months’)

These payment options don’t require you to make a manual payment as these automated payments have already been scheduled when you made the purchase! So as soon as you make the purchase, you will receive an email from Klarna outlining your payment schedule. These payments will be automatically withdrawn from the card you have on file with us according to this statement. Klarna will process your payments and send you an email confirming the payment status.

If you want to make an earlier payment, simply log in to your app or here and select the purchase and then click ‘Payment options’. There are no extra fees when you pay off your balance early.

Note: If you don’t have automatic payments turned on for your ‘Pay over 6 months’ order, you have to make a payment by the due date manually in the app or here.

How to pay your monthly Klarna credit statement (Financing Account)

An email will be sent on the 2nd of every month letting you know your statement is ready. You can view your statement, make payments, and manage your account by logging into the app or here. From here, you can pay your total balance or choose to pay a custom amount. Please note that payments will need to be received by 8:00 p.m. Eastern Time to be credited to your account on that same day!

Good to know: You can also turn on automatic payments in the ‘Payment Settings‘ for your account. To set up automatic payments, simply connect a bank account and enroll in automatic payments. Please note, you must use your bank account and routing numbers to make an automatic payment on your credit account.

Follow the steps below to make a payment

In the Klarna app

• Log in to the app
• Click ‘My Klarna’ to find the option to view your ‘Purchases’ or all your ‘Payments’
• Choose the purchase or account you want to pay
• Follow the prompts to submit your payment and make sure to use the correct payment information when making a payment to avoid any errors.

On Klarna.com

• Log in to your klarna.com account with the email address associated with your account
• Click ‘Purchases‘ or ‘Payments‘ to find the statement you’d like to pay
• Choose the purchase or account you want to pay
• Follow the prompts to submit your payment and make sure to use the correct payment information when making a payment to avoid any errors.

Good to know:
Klarna currently accepts all major debit and credit cards (i.e. Mastercard, Visa, AMEX, Discover) and prepaid cards are not accepted. Keep in mind that Klarna credit accounts cannot be paid with a credit card, but can still be paid online with your debit card or bank routing and account information.
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

Want to check the status of your payment?

If paying through Klarna we’ll send a confirmation to the email you used on your order. You can also view the status of your payment by logging into the Klarna app or here. Keep in mind that it may take 1-2 business days for your payments to reflect on your account.

Haven’t received an email with your payment instructions?

Your payment plan is emailed once the store notifies us that your order has shipped, so please check first if the store has confirmed the shipment of your order. If you haven’t received an email, we suggest first checking your spam folder. You can also review your payment information by logging into the Klarna app or here.

If you are unsure when your payment is due, you can always view your payments and check the due date in the app or here.

Due date of your monthly Klarna credit statement (Financing Account)

Payments for the Klarna credit statement will be due on the 26th of each month. We’ll email you on the 2nd letting you know your statement is ready. Please note that the due date for the Klarna credit statement can’t be changed.

Due date of your payments (‘Pay in 4 installments’, ‘Pay Now’, ‘Pay in 30 days’ or ‘Pay over 6 months’)

For all of these payment methods, your payments will be automatically processed on the due date. When the retailer has shipped your order or accepted the purchase, we will send you an email with your due date and payment information. Depending on the chosen payment option the full (Pay Now) or the first ¼ of your payment (Pay in 4 installments) will be charged when your order has been shipped or you’ll have up to 30 days to pay (Pay in 30 days). For orders paid with ‘Pay over 6 months’ your payment is due on the same day each month, and starts one month after your order is created. Please reach out to the store directly for any information concerning the shipping of your order.

Good to know: To never miss a payment make sure to download the app here to receive notifications and reminders of your upcoming payments.

You can choose to schedule automatic payments (AutoPay) for your Klarna Financing Account or your ‘Pay over 6 months’ orders during checkout when making the purchase or by logging into the Klarna app or here, and following these steps:

• Go to your profile settings and select ‘Payment methods’ for enrolling in AutoPay for your Financing Account
• Or click ‘Purchases’ or ‘Payments’ to find the purchase you’d like to scheduled automatic payments for
• Once your bank account or card information are 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.

Can I change my scheduled payment date?

At this time, we’re unable to change your scheduled payment date, however, you have two options: Pay an installment early or pay off the entire order.

• In the app go to My Klarna
• Select ‘Payments’
• Select the order and click ‘Payment Options’. You can pay the next installment early or pay off the entire order.

If your payment fails, you’ll be sent a notification via email with information and on how to resubmit payment. Please find below the common reasons for a failing payment and what we recommend you to do.

Common failure reasons and what to do:

Insufficient funds

For Financing Account and ‘Pay in 30 days’: We’ll email you letting you know the payment was declined due to insufficient funds and you can resubmit payment once sufficient funds are available.

For ‘Pay in 4 installments’ and ‘Pay over 6 months’: We’ll email you letting you know that your payment was declined if sufficient funds are not available to cover your first payment. Klarna will automatically make 2 or 3 more payment attempts within 3-4 days of the originally 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

Your payment failed but you haven’t received an email?

If you haven’t received an email, try checking your spam folder and following the ‘technical error’ steps above. You may need to go to your inbox filter settings to verify that Klarna is not a blocked address. If you’re still experiencing issues, please contact Klarna Customer Service.”