You can dispute a transaction directly in the Klarna app:
1.
Go to your transaction history.
2.
Select the transaction you want to dispute.
3.
Tap Report a problem
4.
Fill in the form with details (e.g., unauthorized charge, goods not received, wrong amount) and upload any supporting documents.
5.
Submit your dispute
Important Tips:
Evidence Matters: The more relevant evidence (receipts, messages with the merchant, proof of non-delivery, etc.) you provide, the smoother and faster your dispute will be processed.
Fraudulent Transactions: If you believe your card was used fraudulently (for example, due to phishing or unauthorized access), report it immediately.
Subscription or Recurring Charges: For disputes regarding subscriptions, provide information about when you canceled or tried to stop the service, along with any relevant merchant communications.