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:
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!