Klarna Decline FAQ's

You might experience that not all or no Klarna payment options are available to you when making another purchase with Klarna. Different factors, such as missed or delayed payments or reported financial hardship can lead to being blocked from further...

Before you make (another) purchase with Klarna it helps to know how to qualify for Klarna’s payment options.  *Be old enough You need to be at least 18 in order to use Klarna’s payment options.  *Have a positive credit history History of positive ...

Klarna does not approve 100% of all orders and our aim is to support responsible, ethical, and sensible spending habits. We understand that it can be frustrating to be declined having been approved in the past. Our approval process, however, helps K...

The length of time you have been a Klarna customer may increase your limit.  A good payment history with Klarna can improve your chances of being approved.  If you still have balances on unpaid purchases, it would be beneficial to pay them off to ...

When you attempt to place an order using our Pay in 3 payment method an authorization hold is placed on the card you have connected in the Klarna App, to reserve the funds for the first installment. This is the transaction that you might see on your...

We understand your frustration having successfully used Klarna previously. The way our business model works is that the approval assessment is completed against each individual order attempt. We do this by contacting our Credit Reference Agencies (o...

Klarna makes credit decisions based on available credit decision data in real time. We are a financial institution and must always lend wisely, based on whether consumers are able to pay debt at the time of purchase, and not always based on historic...