r/klarna

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?

They will keep charging your credit card and not stop. Please avoid them. I had to cancel my card.

now please don't judge me here, i need some help but maybe i've been stupid i don't know 😓

so 3 months ago i made a payment on neokyo which is a proxy service in japan to get goods from japan. i used the one time only card for this purchase, i like using this card for purchases like this because paypal fees are very high. it was a secondhand item and it ended up being sold out earlier than my proxy could secure it for me. i ended up getting a full refund and that was sent to my paypal because that's the only way i could get my money back. i immediately reported the issue to klarna so i didn't have to pay the bill anymore.

klarna didn't agree with it at first because the money was refunded to paypal, not to klarna. i reached out to them and provided all information and they told me that it was a huge help and things would be okay.

now today, they sent me another email saying i still have to pay the bill. i already got the refund well over 2 months ago, and since i bought this item with some friends i refunded them their part of the money as well. i'm not sure but it doesn't seem fair that klarna is still asking for this money right? i couldn't get the money back to klarna any other way and i've explained this to them a couple of times but now i'm still getting billed for something that i never received.

what do i do in this situation? i feel so dumb but i really don't know what to do

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

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”?

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

Tried to check out with pay in 3, everything was going fine but I accidentally paid with the wrong card that didn’t have enough on it for the first instalment, now my purchase power has become ‘unavailable’. Help please?

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 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.

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?

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.

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 have used a credit card to automatically pay for purchases with the no interest option. Now, Midway threw the contract they no longer take credit cards for automatic payments!?!?!? Tried link a checking account, Oh wait that doesn't work either. Klarna expects me to go out and get a debit card now because that's the only form of payment they will now except. Yea, No. I guess they are out the money and legally I don't see how they can change the terms of payment in the middle of technical contract when a purchase has been made. Sounds like lawyer time.