5 reasons you might get declined by Klarna

Why can’t I use Klarna – 5 reasons you may get declined

So you’ve found something you want to buy but can’t pay with Klarna? We’ve been there! If you are a first time shopper then we’ve got you covered.

Klarna is a buy now pay later service which gives you 14-30 days to pay for goods and services online. The number of days depends on the store you are buying from, always check the terms to make sure you don’t miss a payment. The Swedish service has proved extremely popular for fashion shoppers who can ‘try before they buy’. For example, If you are not happy with the product then you can return it without a single cent leaving your bank account.

Some shoppers can find that they get declined the first time using the service. Many report getting the message “sorry we can’t complete this purchase”. Here are some top tips to make sure your first Klarna shopping experience goes smoothly.

1. Your shipping address is different to your billing address

This is one of the most common reasons you can’t pay or get declined. Often when shopping online your shipping address might be different to your billing address, e.g. your work address. However for your first Klarna purchase this can increase the odds of your payment getting declined.

We recommend using the same shipping address as your billing address. Once you have made your first payment then your ‘trust score’ will increase and Klarna will allow you to order items to multiple shipping addresses in the future.

2. You’re buying something expensive

If you are trying to buy an expensive item this may be a reason to get declined. For your first purchase we recommend buying something less than $100. Don’t forget Klarna is taking a calculated risk that you will make the payment. The risk and cost for Klarna increase the more expensive the item is.

Start with a small purchase allowing you to build your ‘trust score’ with Klarna, this includes making sure that you don’t miss those all important payments!

3. Your billing address is inaccurate

When you make a payment your billing address is one of the most important pieces of information Klarna has on your eligibility to pay. It is important your billing address matches the address your bank has on record. If these do not match then it is likely that your payment will be declined, double check the address your bank has on file for you.

If you have just moved or have no history at your current address it will make it more difficult for Klarna to determine who you are. Ideally your billing address will be somewhere you have lived for a while and is also where you are registered with a bank and utility company.

4. Buying from outside an approved country

Currently Klarna only allows payment from shoppers in a handful of countries. The full list of Klarna countries are listed below:

  • USA
  • UK
  • Germany
  • Denmark
  • Finland
  • Sweden
  • Netherlands
  • Austria
  • Norway

If you are not a resident in one of these countries then you will not be accepted for payments. However as Klarna gains popularity we expect the number of countries to grow. We recommend keeping an eye on the list of countries where you can use Klarna. Or why not contact customer support to see if they have plans to expand to your country!

5. Wrong contact details

It may sound obvious but make sure you check the spelling of your name, email and billing address. A simple misspell will quickly get you declined. We always recommend double checking your details before re-submitting. Accidentally missing a letter from your zip code could be the difference between you getting those new sneakers and not.

We hope these top 5 reasons help you get accepted by Klarna, happy shopping!

21 thoughts on “Why can’t I use Klarna – 5 reasons you may get declined”

    1. I have a list of around 20 purchases paid in full using Klarna. I’ve financed using both “pay in 4” and 6 month financing. The most expensive was around $400 and just paid it off. I was declined today for less than $100. Wondering if they are tightening their belts in prep of IPO. Sad, at any rate to lose a fin-tech tool that has been such a joy to work with.

  1. Sachita Bhantoo

    I have ordered from Klarna a few times now. Always paid on time or on couple of occasions early. I have just been decline on ASOS for £83 and HM for £24. They couldn’t verify my address even though I checked.
    Please let me know if there’s a problem with my information.

    1. Hi, has your address changed recently from a work address to home address for example? Using different addresses is a common reason for declines.

    1. Hi, try double checking your delivery and billing addresses are the same as the ones used the last time you purchased with Klarna. Many people also find that if they are purchasing something more expensive than previous purchases that they may get declined.

  2. I’ve been trying to make a purchase through klarna, I’ve used Klarna for months, always pay everything off in full early. No changes to my details and they’re saying they can’t verify my address? Literally nothing has changed.

    1. I am having the same issue but Klarna have said that they can’t serve me as I’m under 18, when I’m infact 30. I have always paid on time and never been late, I am unable to use it now and no one is helping me. No one seems to know why

  3. I’ve keep getting the same ‘declined’ message. I have checked all my details and they are all correct. This has happened on several websites. Really annoyed that this is the only payment split option and it doesn’t work! I’ve not missed a payment ever so it should work!

  4. Used klarna many times always pay on time or early never had any problems I have made some expensive purchases with no problem and paid them off on time or early
    All my details are correct and have not changed yet I keep getting declined Even on sites I’ve used before

      1. I am also having the same problem! Spoke with them on Twitter and they said its an automated process so they can’t tell me why i’ve been declined even though everything on my account looks fine. (e.g no missed payments, correct information etc). Does this mean I just can’t use Klarna ever again? :L

  5. I have used klarna since 2019 no problems and suddenly I get a declined notice. My address from billing and shipping has never changed. Unsure what happened. I depend on klarna for needed purchases.

  6. Same problems for us. Lived in the same house for years, all billing info shipping info verified, no issue using other types of these services. I highly recommend QuadPay & AfterPay. Klarna seems buggy and while I’ve had no issues with the other 4 pay type of services, Klarna won’t approve us no matter the amount, time of day, alignment of stars & planet’s etc lol. They’re algorithm system is a joke, and I can’t imagine many merchants will continue to put up with how inconsistent or inaccurate Klarna is with they’re customers.

  7. I used to save up for my purchases until I discovered Klarna as they are interest free so why not use them.

    I have a excellent credit history along with experian score of 998, I have one credit card with £1900 on it paying off at £350 a month. I have a amex I use daily where the balance is paid of at the end of the month. I have no overdraft and no other loans.. bank is £2500 in credit.

    loved the convenience of Klarna as it was interest free. I have made purchases using Klarna totaling over £3000 in the last 2 years. Individual highest purchase was £600 paid off in 3 months.

    I have not used them for 4 months.. Went to make a purchase of £600 today to pay off within 3 months and it was declined. My husband then did the same purchase and he was declined too.. Shame really as I always recommended Klarna for easy payments.

    So I dont know what algorithm they are using? as I can get accepted for credit anywhere

  8. You forgot one. It denied me because it said that it’s not available where I live. I live in Springfield Massachusetts. 🤷🏽‍♀️ Smh

  9. Why is Klarna saying “can not approve my purchase using my card/Payment method, choose a different card”?? I have used this same debit card for every purchase without issue, never missed a payment or unable to proceed due to lack of funds. My Mastercard is perfectly fine, have enough to cover the purchase and then some so whats the issue?

    1. I have an estimated amount to spend of about $1450, but every time I have tried to purchase with a one time card (Amazon) and through a company (Footlocker) I’ve been declined and I have had over 20 purchases with them. And it sucks to not be able to speak with someone. And none of my information has changed.

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