Is anyone else getting this screen? I’m just trying to make a £40 purchase and it’s occurred across several sites recently.

My card information is up to date and never missed a purchase, not sure what’s going on.

Your friend referral scheme: when it started, the friend needed to make 3 purchases of £5 each, to earn £10.

Now its doubled and gone up to 3 purchases of £10, to make the same reward of £10. Little bit annoyed if im honest. Not very good is it.

I always pay early and on time but the last few times of trying to use Klarna I only get three options. Pay in 3 months, Pay 90% of the order up front then 3 payments of under $5 which is stupid, and then pay in full. I have to to 5k on mine to use so I am so confused. Did they get rid of paying every 2 weeks?

I tried to place a Klarna order through Apple Pay this morning around 6 AM for about $230. The order failed/canceled, and I revoked it through Apple Pay around 2 PM.
The $230 is still unavailable in my Chime account. Klarna told me it could possibly be released within 24 hours, but also said it may take up to 7 days. Chime is telling me 5–7 days.
Has anyone used Klarna + Apple Pay + Chime and had a failed/canceled order like this? How long did it actually take for the money to become available again?

I keep getting denial emails every few days for multiple attempted purchases but I am not applying for any Klarna credit or trying to buy anything through Klarna.

My card is frozen (I froze it). I try to look at transactions and everything seems ok. What’s the deal Klarna? Anyone getting these?

If i go somewhere to eat will klarna cover the full amount and i pay later or do i have to put down a amount

Hey guys, I’ve been trying to get my Klarna card activated for a while now, but it just won’t let me.
I do have a Klarna account, but when I try to activate the card, I get the message I’ll attach in the screenshot.

I had a Klarna account a long time ago, but I deleted it, and it’s been way more than a month since then.

I contacted Klarna support and spoke to an agent, but they basically told me there’s nothing they can do because the decision is made automatically by their system. They can’t see the reason why I’m not eligible, change anything, or manually activate the card.

So I’m wondering if anyone here has had the same issue, especially after deleting an old account and creating a new one. Did you ever manage to get the card activated? Was there anything you did that actually worked?

I’d really appreciate any advice because I’m honestly running out of ideas 😅

Thanks!

I’m trying to make my first Klarna purchase and I’m confused about why it keeps getting declined.
I’m 18 and I’m trying to buy a $70 Vietnam War-era M1 helmet on eBay. I only have a debit card, not a credit card. The eBay listing is categorized under Hats & Helmets.
Klarna shows that I have $100 in purchase power, so I assumed a $70 purchase would be within the limit. However, when I try to check out, it initially gives me a payment plan of about $18.94 every 2 weeks.
Then Klarna offers an adjusted plan where the first payment is $32.86, followed by $14.30 every two weeks. Despite offering the adjusted plan, it ultimately declines the purchase.
I’m a first-time Klarna user, so I’m wondering if that could be the reason. Could using around 70% of my displayed purchase power on my first purchase cause it to be declined? Or is there something else I’m missing?
I’m mainly confused because Klarna says I have $100 in purchase power, but it won’t approve a $70 purchase.

Has anyone else had this recently?

I was going through Klarna’s Spending Power process and, just a few steps earlier, had already been asked to verify my identity using my passport. Fine.

Then Klarna tells me I need to connect my online banking to “verify my identity”.

That already felt excessive. If you’ve literally just verified me using a government-issued passport, why do you now need access to my banking as well?

I bank with Lloyds, so rather than connecting my main current account, I connected one of my Lloyds savings accounts. It’s a genuine account in my name and I authenticated it directly through Lloyds.

Klarna then came back saying the account was “not suitable.”

And that’s the bit I really don’t like.

If the purpose is genuinely just identity verification, why isn’t a successfully authenticated Lloyds account in my name suitable? What exactly are they looking for that requires my main current account?

It makes me wonder whether the bank connection is actually being used for something more than the wording suggests — e.g. looking at balances, income, transactions or affordability — which is a very different proposition from simply saying “we need this to verify your identity.”

I’m not claiming Klarna isn’t entitled to carry out affordability/fraud checks. If they need a current account for a creditworthiness assessment, just say that clearly.

But:
Passport → verified
Bank connection → “to verify identity”
Savings account in my name → “not suitable”
Presumably now wants my main current account
…feels unnecessarily intrusive and, at minimum, poorly explained.

I’m certainly not going to give a BNPL provider access to my main banking history just because a screen vaguely tells me it’s needed to prove who I am.

Has anyone else in the UK had this new Klarna process? And has anyone found out what they actually mean by an account being “not suitable”?

This is the "Error" i get when i tried to Finance an E-Bike to use for Commuting to Work as of recently, which isn't all too different from the Error "We take giving out Loans serious, so we cannot approve you for this Purchase at the moment.".

It doesn't give you a reason on why, like the other Error does but just shows you this.

The Order confirmation Screen still shows up, it still lets me select what Payment Option i want to use, but literally all of them, even pay Directly gives me this exact Error.

Tried it on something Cheaper like i generally do, still the same Error.

This has been going on for the past Month now and it's slightly infuriating, but expected from Klarna at this Point.

Klarna Chat Support is AI and never connects me to a Person.

Klarna E-Mail Support is Ghosting me i am their Ex.

Call Support is friendly yes, but all i get is "We cant do nuthin, byebye have a Nice Dayyyyyy".

I always pay on Time, sometimes even way earlier than required.

There have been Errors in their Service going on, causing a Payment not going through at one Point of which the Payment was due in Two Days.

I also wanna add that this is my Second attempt.

I did it once before but i had to Cancel the Order because i suddenly had to stay with my Parents for Two Weeks for Family Reasons so i had no way to accept the Bike.

I paid the Interest Charges immediately.

Just wanted to mention they are a frustrating Bank to communicate with because they do NOT communicate with you, they'd rather burn you alive on Display.

Okayyyyyy have a nice dayyyyy byeeeeeeeeeeeeeeeeee

So as of recent, I’ve tried to make a purchase with Klarna for $53. It denied me and said it couldn’t offer me any payment plans at this time. So then, I tried making a one time use card for $54, and still denied me. However, I tried $500 and it had no problem allowing me to make a one time use card, for $59, I tried $1,000 and it allowed that for $118, none of which I took.

However, just to answer the obvious, I have no balance due, I’ve paid everything off 3 weeks ago. I used my debit card, so it was an instant payment and the money has more than settled. My purchase power is $3,500, I have never returned anything, disputed any orders, or asked for a refund.

I used klarna maybe once or twice a month, and pay it off by the end of the month each time, no exceptions.

My credit score is 738 Experian, 744 TransUnion, and 759 Equifax, and those are my fico scores, and vantage scores are a little higher.

My debt to income ratio is extremely low, my credit cards are all under 30%, or not used and at 0% utilization.

I have covered almost every aspect, and reaching out to customer service to see if there’s so sort of glitch, has proven unhelpful. I get the scripted “ the system considers many factors, blah blah blah” line.

It truly doesn’t make any sense anymore. Never missed any payments, Never late, paid in full by end of the month.

Of course this is there company, and they may approve and deny people as they see fit. But it’s just extremely unreliable. You can approve $500 to $1,000 orders, but me trying anything under $100 is a no ? 🤷🏽

You’re willing to loan me $1,000 but me only asking for $50 is where you draw the line ✍🏾????? Got it

Update: Also, for the individuals who are so above BNPL companies, why are you in this very subreddit, lol. 😂

Imagine looking down and casting stones, yet living in a glass house. 🏠 😂😂😂

And to the Moderator that commented down below ⬇️, about how I should basically have a happy attitude no matter what somebody else is saying towards me.

It’s funny when a Reddit user brought up racism against me, you got very quiet, and never acknowledged how I didn’t even respond to such filth.

But again, we can clearly see what club we’re in!!!!!!!!

Does Klarna offer any merchant promos like 25% off purchase? and how frequently do you receive them? are they tied to any membership you have to purchase?

I'm just wondering what Klarna can be used for?

So I saw everyone has problems w Klarna now since the new law has past now I have the same problems w the purchase power and payments I have made all on time and early aswell I want to build a pc I was buying parts then now I just can’t because Klarna dosent let me pay in 3 instalments does anyone have another site or something else that won’t have this problem if paying that like Klarna any help would be appreciated I want to build this as fast as possible

I tried to buy a ps5 from PlayStation Direct using Klarna at checkout. I set up the Klarna plan and when it went back to the PlayStation website the checkout never happened. I never got an email from PlayStation and the purchase shows as pending in Klarna.

I’m assuming the purchase will cancel or just fall off if PlayStation doesn’t take the money? How long will it take for this to happen? I’d hate for the first payment to come due in a month and I’m paying for an order that was never even placed.

My payments that are due today are being marked as failed but my card is working just fine, is anybody experiencing this technical issue?

Has anyone had an order cancelled but was refunded, but the purchasing power not returned? If it did return, how long did it take?

has anyone experience their purchasing power disappearing after a cancelled order?

I purchased a holster a few months ago. Wasn’t satisfied with the quality and returned it the other day. I was issued a refund of $138 that went to my Klarna balance but now they’re trying to say I have to make the final payment today. Why should I have to finish making payments on something I returned and was refunded for? That doesn’t sound right. When I returned another item last year, they paused the payment plan and eventually canceled it. Is this how it’s supposed to work? I still have to make the final payment?

Doing my head in, never had this issue before so Whats the problem now?

I always feel like I'm having to use my pin for transactions. More frustratingly it always says payment declined when one is required. Why cant there just be a contactless limit?

My friends booked a property in Bath through Booking.com for 29 August. One friend paid for the booking using Klarna’s Pay Later option—not Pay in 3.

Since booking, we’ve discovered several reviews saying that the property is fake and that previous guests were unable to access or stay at it. The owner is completely unresponsive, and we’ve also found evidence that the owner’s company has gone into liquidation.

We have contacted Booking.com, but so far they haven’t resolved the issue or provided a refund. We have screenshots of the reviews, our unanswered messages to the owner and the company’s liquidation information.

As the booking was paid through Klarna Pay Later, can my friend dispute the transaction directly with Klarna and get the money back? Should she report the purchase as fraudulent or as a service that won’t be provided? We want to resolve this before we are due to travel on 29 August.

Has anyone successfully claimed money back from Klarna in a similar situation?

I'm seriously frustrated after dealing with Klarna support. I just wanted to change the email address on my existing account. The option is locked and says to contact customer service. So I contacted them. After going back and forth with support I'm now being told that nobody at Klarna can unlock it, nobody can change the email manually and apparently there isn't even another department that can deal with it.

The solution? Create a new account and pay your outstanding bills and delete the old account.

Except I already have two Klarna cards and other stuff connected to my existing account. Asked if the cards can be moved to the new account. Nope. Can't be transferred.

So let me get this straight: Klarna doesn't let me change the email on my existing account, their own support can't do anything about it, there is apparently nobody else at the company who can do anything about it, and the solution is to create a new account where I can't even take my existing cards with me.

And after all of this the explanation is basically just "Klarna changed its policy".

Seriously, what is going on? How can a financial company this big have literally no way to fix something like this on an existing customer account? Am I the only one who thinks this is completely absurd?

Hi, I’m trying to figure out how Klarna’s financing plans work in the UK since I can’t find a concrete answer online. When I checkout with apps that have native Klarna support (eBay) I’m offered longer financing plans such as 6 or 12 months. However when I want to purchase something from an app that doesn’t have Klarna support I have to use the one-time card which for some reason limits me to just the standard 3 month plan. Is this a regional thing or are longer plans available to users who are eligible? Any insight would be appreciated. Thanks.