The decision of whether or not to approve a One-time card is based on an automated assessment. We understand that it can be frustrating to be declined for a 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 outcome of the approval decision.
Was the One-time card declined in the store’s checkout?
Once you are approved for a One-time card, you may be denied at check-out with a message that the One-time card cannot be used at that store. While Klarna does not review each merchant available in the shopping app, we generally decline transactions at these merchants to promote financial wellness and best meet our regulatory, ethical, and risk standards:
Bill or rent payments
Food or delivery services
Gift card providers
Online gaming or gambling
Selling of drugs or alcohol
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