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Why can’t I use Klarna • 11 reasons you may get declined

Klarna rejects payments due to system or address errors

by Maria Laura
25 December, 2022 - Updated on 9 February, 2024
in Student Finance
Why can't I use Klarna – 11 reasons you may get declined

Whether due to security policies or because the amount exceeds the economic capacities according to the person’s history, it is clear that Klarna does not accept 100% of the requests made to them. So it is normal that, on some occasions, the system rejects you.

It’s frustrating, to say the least, even more so when you consider that you are qualified to apply for the loan. But don’t stress. Here are 11 reasons why you might be rejected on your application.

Contents

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  • What prevents you from being able to use Klarna? 11 possible reasons
    • Error in one of the addresses
    • Your purchase does not come from a country in the Klarna system
    • You are not eligible
    • Your credit history is not good enough
    • Problems with the website
    • You have unpaid purchases.
    • You don’t have Klarna connected to your bank.
    • You have made too many purchases in a short period
    • Your retailer does not accept Klarna.
    • You did not wait between purchases.
    • You exceed your total Klarna payment amount

What prevents you from being able to use Klarna? 11 possible reasons

Klarna and its pay-later availability is a system designed to facilitate the purchase process so that, in any case, the user can organize their payments. So you may think that a rejection is not so common.

Well, this would be wrong. Rejection happens often, and then we will explain possible reasons.

Error in one of the addresses

It is very common that there are errors in the payment address or that this does not match the shipping address. Therefore, Klarna’s automated system will probably reject your payment due to invalid addresses.

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So whenever you place an order using this payment method, it is advisable to keep an eye on the addresses. Especially in case your Klarna account is new, or you don’t have an established purchase history. Therefore, consider that it is highly important that this address is the same as your bank address.

Your purchase does not come from a country in the Klarna system

You have to consider that the Klarna system only has the payment of products from certain countries in its availability. More specifically, those products that come from the European Economic Union or the United States.

So it is normal that if a purchase is made with a product from a country that does not meet these standards, it will be rejected.

You are not eligible

Klarna’s system is based directly on your transaction history with them. Therefore, it is normal to be rejected if you do not maintain a positive record or have certain missed payments.

Likewise, you have to consider the purchase amount since you will have a maximum limit depending on your account and its use. It is possible that if the system is rejecting you, you may have exceeded your loan limit for purchases.

Your credit history is not good enough

At Klarna, purchases are individual, so one rejected purchase does not directly mean that every purchase you make will be rejected. You should try a lower purchase amount to see what your credit history will allow.

Problems with the website

Some websites generate problems when linking the payment to Klarna. So you may need to activate an extra module or service before making the payment to proceed with the Klarna payment and avoid getting blocked.

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You have unpaid purchases.

Klarna works in the way that if you have unpaid debts from previous purchases, your chances of being approved are reduced. Therefore, it is recommended that you pay off these types of debts before applying for new credit.

Likewise, having skipped a payment or missed a debt can increase the chances of rejection. As with bank loans, this will be considered by Klarna.

You don’t have Klarna connected to your bank.

It is recommended to connect Klarna with your bank service always to ensure approval of your purchases. This will give Klarna’s service a better chance of checking your credit history and how you have behaved in making payments.

Also, you do not necessarily always have to have your bank connected to your Klarna account. So this may be because there is not yet enough information about you. When you delete your Klarna bank account, you can do so without any problem.

You have made too many purchases in a short period

Klarna has an anti-fraud system that prohibits making too many purchases quickly, especially on new accounts. So when making a new purchase using Klarna, you should consider the waiting time since your previous order.

However, this will not be a problem if your account has generated validity over time and with your number of successful payments. This also follows that your payment is approved due to your payment history and many other factors.

Your retailer does not accept Klarna.

Certain retailers do not accept Klarna as a payment method. If this is the problem, you may be able to apply for a credit loan to your bank account and make the purchase at a later date.

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You did not wait between purchases.

One of the main reasons for rejection is not measuring the waiting time between purchases. It is recommended to wait at least 24 hours after paying through Klarna. This is to avoid falling before the already mentioned anti-fraud system that the platform has.

Likewise, if you have finished paying off a considerable previous debt you had, it takes about 24 hours for Klarna’s system to mark this debt as paid off, so you may be rejected on your application.

You exceed your total Klarna payment amount

When making a Klarna payment in the United States, you are capped at about $10,000. This amount will be taken after discounts, and promotional codes are entered.

In other words, the final purchase price of the product and shipping. Also, the number of installments and the payment will be divided depending on the total amount.

References

  • “How Can I Get Approved to Pay with Klarna? | Klarna US.” Klarna: Shopping Levelled-up on a Global Scale, https://www.klarna.com/us/customer-service/how-can-i-get-approved-to-pay-with-klarna/. 
  • “Why did Klarna decline me? – Klarna UK.” Klarna: Shopping Levelled-up on a Global Scale, https://www.klarna.com/uk/customer-service/why-was-i-declined-by-klarna/. 
  • “Why Was My Klarna Card Purchase Declined? – Klarna UK.” Klarna: Shopping Levelled-up on a Global Scale, https://www.klarna.com/uk/customer-service/why-was-my-klarna-card-purchase-declined/. 
 
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