Why can’t I pay with Klarna anymore?

The decline reason is displayed in a pop-up message, which appears at checkout, when you can’t use Klarna to pay.

Follow the instructions in the pop-up message before attempting to make another purchase.

We understand it can be frustrating if you experience that not all or no Klarna payment options are available to you when making a purchase – especially having been approved in the past. Different factors are being assessed in real time to help our customers balance debt risk and stay on top of their spending.

How the automated approval assessment works

  • For each order attempt, in addition to your Klarna payment history,

    is used to check your credit history, such as if you paid off other credits on time, or if you have too much outstanding debt elsewhere.

  • Every purchase attempt generates a new automated approval assessment based on available credit bureau decision data in real time, so one rejection does not mean that future purchases will always be declined.

A declined purchase does not impact your

Good to know: Our customer service agents do not have additional information about the automated decline reason, based on credit reference agency decision data, and are not able to change or influence the decision.

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Monthly financing through Klarna and One-time card bi-weekly payments with a service fee to shop anywhere in the Klarna App issued by WebBank. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. Copyright © 2005-2024 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards, Financing, Klarna Card): THIS IS A LOAN SOLICITATION ONLY. KLARNA INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.