Why was my Klarna Card purchase declined?

You can immediately see the reason why your purchase with the Klarna Card was declined either on the screen of the store’s card reader or on the store’s website. Additionally, you will receive a push notification with information about why the purchase was declined.

The most common reasons for a declined purchase are:

  • You’ve exceeded your Purchase Power
    You can check your Purchase Power for the Klarna Card in our app by selecting Estimated available to spend.
  • You have unpaid invoices
    Settle what you own before making a new purchase with your Klarna Card. Sticking to your payment plan is necessary to help you spend responsibly.
  • You’ve reached your daily spending limit
    We do limit the amount you can spend per day. Try using your card the next day.
  • Your Klarna Card is frozen or blocked
    You can unlock your frozen card in the Klarna app and then try to make the purchase again. If your Klarna Card is completely blocked, you can’t use it for any purchases and need to order a new card in our app.

Good to know: Your Klarna Card purchase might also have been declined because of the type of store at which you tried to use the card. While Klarna doesn’t monitor every store, we generally decline transactions for the following to promote financial wellness and best meet our regulatory, ethical, and risk standards:

  • Utility bills or rent payments
  • Food or delivery services
  • Gift card providers
  • Governmental agencies
  • Medical care
  • Online gaming or gambling
  • Rideshare services
  • Subscription services
  • Selling of drugs or alcohol

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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, member FDIC. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. Copyright © 2005-2023 Klarna Inc. NMLS #1353190, 629 N. High Street, Third Floor, Columbus, OH 43215.