Why was my purchase not approved with Klarna?

The reason is displayed in a pop-up message, which appears at checkout, if you are not approved to pay with Klarna. Be sure to follow the instructions in the pop-up message before attempting to make another purchase.

We understand it can be frustrating if Klarna’s payment options are not available 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. Rest assured, declined purchases do not impact your


Good to know: Common data points typically considered in automated approval decisions for Buy Now Pay Later (BNPL) services include:

  • Credit score

  • Income

  • Employment stability

  • Spending patterns

  • Debt-to-income ratio

  • Residential status

  • Identity and age verification

  • Credit history

  • Affordability assessment

  • Savings and investments

  • Outstanding credit

Note, each purchase generates a new automated approval assessment so one rejection does not mean that your future purchases will also be declined.

Our customer service agents do not have additional information about the automated decline reason, based on credit bureau 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.