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.
Why is Klarna not working?
There are a number of reasons the Klarna app won’t work. If you have received one of the messages below then we want to help!
unfortunately this option is not available. please choose a different payment method.Klarna User
Some shoppers also find that they get declined the first time using the service. Many report getting the message “sorry we can’t complete this purchase” or that their Klarna payment failed.
If Klarna is not working for you, below are some top tips to make sure your first Klarna shopping experience goes smoothly.
11 reasons Klarna might not work for you
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 Klarna 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.
6. You missed a previous payment
Klarna keeps a history of your previous payments, including any missed or late payments. If you have been late to pay this may cause Klarna to reject your next purchase. Just like your bank, Klarna has their own internal score for all users. Missing to many payments will be a red flag for Klarna and they are likely to deny a future purchase.
7. You have failed a soft credit check
Klarna runs a soft credit check when you use your account for a payment. Soft credit checks do not harm your credit score but they can be a reason your payment gets declined. If the soft credit check shows that you are not currently credit worthy enough to make a purchase via Klarna the payment won’t work.
8. Have too much debt
If you are an individual which has a large outstanding debt with Klarna or other buy now pay later companies then you may find Klarna will not work for you. Klarna is keen to make sure the service is only used by individuals who can afford to make repayments on their borrowings. Large debt may put you at risk of not getting approved for the service. One recommendation is to try reducing your debt or outstanding balance before making future purchases.
9. Error with Klarna servers
From time to time Klarna has technical difficulties connecting with their servers. If you find that the screen has gone blank or that the payment page fails to load, it might be time to refresh the app or the website you are on. Often a refresh will help fix the technical issue.
10. You have tried to pay too many times in a row
It is possible that if you have tried to pay too many times in a row you may have temporarily locked your account. To help Klarna prevent fraud the company will temporarily freeze accounts which it suspects of carrying out fraudulent activity. Unfortunately this can sometimes affect innocent users who have accidentally tried to repeatedly pay for an item. If you find that after a couple of attempts trying to pay for an item it is best to try and contact Klarna customer support.
11. You are not old enough to use the app
It is important to be aware of Klarna’s terms of service. If the company detects that any users or under the age of 18 then they will deny payments. While this doesn’t happen often it may be the reason Klarna isn’t working for you.
How to get Klarna working again – 6 Quick fixes
- Update the Klarna app to the latest version
- Double check your personal details registered with Klarna are correct
- Connect your bank account to the Klarna app
- Refresh and try again
- Remove items from the checkout
- Check your credit score with your bank or a third party
We hope this advice helps you get accepted by Klarna, happy shopping!