Klarna | Shop now. Pay later. Reviews

Klarna | Shop now. Pay later. Reviews

Published by on 2021-11-20

SHOP NOW. PAY LATER. When you shop in the Klarna app, you can split the cost of
your purchase from any online store into 4 smaller, interest-free payments. And
it works just as easily in-store, with Google Pay. So you can get what you love
today and pay later. NEW DEALS EVERY DAY. Shop...



Table of Contents:
1. Reviews
2. Is it Safe?
3. Is it Legit?
4. App not working?
5. Report Issue


Klarna | Shop now. Pay later. Reviews


  • By

    So easy to get, but can’t get it!!

    Found this app and was so excited to use it! I found a few stores we shop at on here and was excited to start getting some things we needed and be able to pay them off over a short period of time without worrying about a credit check or interest etc. When it came down to funding the ghost card, I first got a error message saying it couldn’t be processed and to either add another card or form of payment. I double checked I entered all of card info correctly and I did! So I tried again and once more!! Then it tells me I’m not approved?!! I don’t get it! So I call Klarna customer service and they tell me they look at past history, bank info and means of paying back the purchase. I’ve never had a Klarna account in my life and I’ve never had a negative bank account. And The purchase I was trying to start out with to try this out was only $53!!! I don’t get it?! The rep on the phone tells me there’s nothing they can do to over ride the decision and I’m just not able to shop with them I guess? Super disappointed. I read some other reviews and agree that you must be pulling other information on people because I have no other things against me to not allow me to find the ghost card to shop! I have way more than the amount in my account to find the ghost card first off and two, I’ve never had an account. I wanted to do a small order to test this out and guess I won’t be using it or recommending it. Super disappointed!!! Not very helpful either!





  • By

    Is anyone getting approved for a ghost card anymore?!!

    I started using this app in July and found it to be awesome! I made my first purchase which happened to be airline tickets for 5 people and was a little under $900. I fell in love with the app! I used it to help with back to school for 3 kids and a gifts for family members and just other everyday stuff to help get through some tough times. I was recommending it to everyone... I’ve always made my payments on time (like that’s hard since they’re automatically withdrawn) without a problem and even found it easy when I had to get a new bank card to change the information over. I had nothing but good things to say about this app; then I tried to used it for something a couple of days ago and can’t get approved for a ghost card period. I tried all amounts from the lowest of $35 to highest of $918 and also tried different stores. After reading other reviews it seems like maybe they are closing shop. If no one is getting approved for a ghost card then what’s the use of this app? I’m kinda disappointed because I was really hoping to use it for Christmas shopping. I contacted them through chat and seem to have gotten the standard response. Very disappointing! Now since I’ve written this it’s saying that I have to use a different card. But they can continue to use that same card to pay off my other purchases. It’s not a prepaid or credit card. It’s a bank issued debit mastercard with a chip.


  • By

    I used to love this company/app!

    I originally wrote a stellar review about the app and service but after two successful purchases it now does exactly what other poor reviews say it does. Even with good CC’s with high limits it says unable to use a perfectly good card/cards. It’s insulting especially when you’re not only in good standing with them but your credit is good. Every time I reach out to them they say uninstall then wait and then reinstall x 3 now. Latest chat support says to uninstall and take time (days/weeks??). Like any “credit” service you should be able to enjoy your good standing, not deal with this kind of frustration. I think from some of their responses they’re pulling you in by allowing you to shop “outside” but steering you to shop with stores they’re partnered with after. Enjoy it while you can but run away from the sheer frustration after. Moving on to more user friendly apps. ****update**** Klarna says I’m not eligible to use the app now even though I have one paid purchase and another purchase in good standing with a few more payments left. So then how am I ineligible? They freely admit the app and the algorithm is troubled but want to throw shade at the very people trying to use it and spend money in good faith. Try the other similar apps. I tried QuadPay to see if it was a similar experience and it was faster and easier! Run away from Klarna! And don’t let them tell you it’s your fault when it’s their messed up app.


  • By

    Don’t bother wasting your time!

    Was excited to use this app, but was very disappointed after downloading & using it. There are only a handful of stores that you can shop at, Everytime I saved anything to my wishlist or added it to my cart, it would disappear after closing the app then reopening. Once I finally added an item back to my cart and went to check out, I added my card information, then was told I was not eligible but wasn’t given a reason why. I chatted with an online agent & was told I would be denied for a handful of reasons (no prepaid cards allowed, card must not expire within the next 8 weeks, & billing address must match my bank account & what I entered into the app), none of which applied to me. My card is not prepaid, I have enough money in my account, billing address matches & my card doesn’t expire until 2023. I chatted with another agent saying I do not have enough payment history with Klarna to be given the option to use the app, which is crap because how am I supposed to BUILD payment history within the app, if I’m not allowed to purchase anything?!?! Neither of the “ agents”were helpful and just kept sending automated responses. I downloaded a different app that offers the same services, called AfterPay. Hundreds of stores to choose from to shop with & within 5 minutes of downloading the app, I was able to make the purchase of what I was trying to buy from Klarna. Would NOT recommend this terrible app!!!!!


  • By

    Disappointed

    Honestly I’m very disappointed in this app. My cousin was the one that told me about and I was really excited about it. I finally get paid from work and I want to buy some things for myself. When I start wanting to make a ghost card, it says “I’m not approved. (Whatever that means).” My cousin and my sister had no problem making purchases but for some reason I went through so much trouble just trying to make my first purchase. I contacted someone through Facebook messenger and they told me that I had to have a debit/credit card, a real bank, and it couldn’t expire in like a couple days. I had a debit card from Santander and it expired in 2020, so this didn’t correspond. So the guy told me wait a couple days because the app can be iffy. So I waited four days. Then I contact customer service again, and a woman named Jessica answers, asks me what bank I use, I tell her Santander and then she completely leaves me on read and leaves the conversation. Then a man named Kristofer answer and he tells me the same exact thing the guy in Facebook tells me and I tell him that everything is good and the only answer I got was that they didn’t know why it wasn’t working and that I need to make smaller purchases. When my cousin and sister made the exact same purchase with no problem but for some reason I can’t do it. It’s like the choose who they give it to and who they don’t.. this is the worst app I’ve ever downloaded..so disappointed.


  • By

    This app is a good idea, when it actually works.

    I hate that this app doesn’t support pre-paid cards, cards that are through your work, certain banks, or simply denies your card for unknown reasons. My husband banks with Wells Fargo, Klarna does accept Wells Fargo but wouldn’t accept my husband’s card. We have more than enough money on the card but wanted to try Klarna out to separate the money because we do have a large family and bills and I just like to have extra money for emergencies. Was using Klarna to buy work clothes and instead of paying $130 bucks at once, I wanted to separate it into four payments, obviously. My husband gets direct deposit weekly and has money in his account, as I mentioned, but Klarna wouldn’t accept his card. My sister banks with Chase, which Klarna accepts. My sister used her card once with Klarna and it worked. All her payments were deducted and she never used Klarna again. Then when she tried to use the SAME card a second time in the future, they wouldn’t take her card. I tried using my bank, US Bank, Klarna denied me. Then I used my Chime card and Klarna says they are working to accept Chime’s bank but don’t just yet. I tried using my American Express card, Klarna denied that as well. It’s SUPER annoying but whatever. Paying full price at one time is better than the hassle this app causes. Obviously this app works great for some people but I am not one of them.


  • By

    What was once great, is NOT any longer.

    I used Klarna successfully for months— big purchases and small, always paying on time or early in most cases. For the last week, I am unable to create a ghost card— regardless of the amount and I’m doing everything right— I have a regular debit card from Wells Fargo, available funds, ensured my billing details match, and cleared my browser cache and cookies, uninstalled/ reinstalled— it’s disappointing and diminished the great experience that I originally had. Customer Service was completely unhelpful, and were unable to help or give a clear answer. What a waste and terrible way to do business. Just read all of the recent reviews— there is clearly an issue that Klarna is unable or unwilling to resolve. AfterPay is a fantastic alternative, just comes with the limitations of available retailers. I’ve also heard about Quadpay. To Klarna- this is where you’ll be able to find your ever growing list of unhappy customers you’ve wronged until you can make it right. Update- I did try to chat with the support team as told and they were again not helpful, telling me that now I’m being decline for applying too often...? I feel like now Klarna is just saying things to fit their narrative and treating their customers like we are dumb. Can I even trust your support team— vinita told me I was “write”— And I’m the one being treated like a dummy.





  • By

    Good at First then downhill from there...

    I started using the app a few months ago. I’ve been purchasing what I wanted, having my payments deducted from my card with no issues...everything was fine. I thought this app was too good to be true! BECAUSE IT WAS! Suddenly, today, I go to create a ghost card and it says I can’t use a prepaid card. That’s understandable. Except for the fact that this card, the same card I’ve been using since I’ve gotten the app for all of my purchases, isn’t a prepaid card and didn’t magically turn into one overnight. I contacted customer service and they didn’t know what to do so they told me call back Monday. NOPE! Payed off my pending items and deleted the app. Went and made my purchase with QuadPay with absolutely no issues. They charge an extra dollar for all installments, but it’s worth it to not have to deal with the bs! UPDATE: Now that I’m complaining publicly they magically remember there is a policy change on prepaid cards, but no one knew what was going on when I was contacting them privately about my issue. Didn’t receive a warning or anything. Nothing. Just pushed off on another customer service rep so they wouldn’t have to deal with it. Not to mention, all of the criteria for accepted payment methods are in the app and my card meets each and every one of them. Now I feel like I can’t trust them. Will not be going back.


  • By

    Used to love! What happened!? 😥

    Been using this app since July and it used to work great! Got a $300 birthday gift for my boyfriend. Paid it off in 4. Was painless and very convenient! Used it a couple more times for various purchases at different stores ranging $35-$100. No problems at all. Oh except on one of the purchases for some reason I did get double charged. Contacted customer support and they fixed right away. Great. Everything paid off. No problems. Have only one $64 purchase with one more week for the last payment. Suddenly klarna is rejecting me for even a minimum $35 ghost cards. For no reason! I contacted support; same response everyone is getting “time of day” and “history” and “IDK 🤷‍♂️”. By the other reviews it seems like the app isn’t working for ANYONE right now. Even the new random positive reviews sound fake and canned (just like the support! Hmmm...). Been trying to use the app for the last week. Even just did the new update. Still not working. I even paid off my last payment and it even still tells me to pay off my payment like it will suddenly work again. I feel slightly scammed for falling for it. Hope it gets fixed and I can give a positive review again. Till then, is this actually working for ANYONE? My roomate is about to try. I’m sure it will tell him to pay off his non existent payments as well. :(


  • By

    Don’t use this app, you will just get your heartbroken

    Exceedingly disappointed in this app. I applied for a very small priced item, $100, and created a ghost card. My payments would be $25, and I would make the first payment the day of purchase. I had the first $25 (and second too!) ready to go to make that payment. Ghost card was created, and $25 payment was immediately taken from my bank account. I truly, wholeheartedly thought this meant I’d been approved. I went to purchase the item and I filled in the ghost card details only to be repeatedly told it was declined by issuer. At first I just thought it was a glitch but after doing some research I am finding that it means my application has been declined. I have been reaching out to customer service for hours through the app and have not received help at all. Still, the $25 is taken from my bank account and not refunded. It is absolutely ridiculous that they don’t tell you whether you are approved or denied while you are creating the ghost card. It gets your hopes up only to be heartbroken and embarrassed during check out for the item. I also am frustrated that I had to dig deep to find this information. Klarna is not straight up about how it works, so it’s very confusing. Would not suggest to anyone. I can accept I was denied, but I wish I had been told sooner in the process.


  • By

    Worked One Time

    It worked the first time I used it(Aug 2019). Got the ghost card, made a purchase, and made my payments on time. I tried it a second time(Oct2019). Got the ghost card, clicked the purchase button and was told afterwards that klarna didn’t approve purchases with the retailer (a gaming company). Ok, that’s fine. Check my bank account and I was still charged the initial payment. I spoke to a rep and they told me the money would return within 7 business days and it did. Great. I figured I’d try one more time (Dec2019). Got the ghost card, hit purchase, got an error message saying try again later. Checked my bank account and once again got charged the initial payment with no purchase. Guess I’m waiting on my refund at this point. My main suggestion would be to update your in app browser to block any major sites that you don’t allow purchases from, that way we don’t waste time shopping for nothing. That or have the app check the site first before generating the ghost card and decline if it’s a retailer we can’t purchase from. I feel like this would save some headaches from initial payments being taken but no purchases made. I liked it the first time I used it but since it has a low success rate for me I don’t think I’ll be using it again.


  • By

    Good Idea, Bad Execution

    The app could use some work, as the ghost card installment plan option is misleading. It allowed me to spend hours looking at merchandise without ever mentioning that I might not qualify to use the services. That is BAD customer service. I won’t ever get that time back. If time is money, then by my calculations, Klarna owes me. Additionally, as a current customer with two large installment loans with Klarna, (with my last payment due in about a week), I was appalled at being denied a ghost card for $160. That is BAD customer service. I have a proven track record of payments with Klarna for over a year but the system identified me as a risk? For $160?! That’s BAD customer service. It is unfortunate too because I used to love Klarna and highly recommended it to people I know. I was looking forward to continuing that relationship with this app but due to the treatment I’ve received, I won’t be a returning customer. Furthermore, Klarna’s response to this is abysmal. Writing it off as an “uncontrollable automated system check” and encouraging people to “just keep trying”, are cop-out statements. It’s a simple fix, Klarna. Just have the app prompt users ahead of actually shopping. Ask them how much they are looking to spend once they enter a website and run your checks based on that. You could save customers hours of time and disappointment.


  • By

    Paid off account earlier than needed to end the frustration

    I paid off my no interest account 9 months early just so I could avoid having to deal with the idiosyncrasies of this service. By trying to be so “simple” and “modern” I find at least for me they miss some expected capabilities. The “notification of payment due” worked once and never again. Their support told me either my phone or app notifications we’re turned off (they were not) or that loading a new release of software could turn them off. Really? Either way I missed a payment; they were nice enough to remove the late fee. Which leads to another deficiency. No way to pre-schedule payments other than “the minimum payment on the due date”. If you want to schedule a larger payment and possibly a few days earlier, you can’t. And I had to reset the “fingerprint login” multiple times for whatever reason. It would also be nice if there was an auto connect to Quicken but that’s not always common with these type of services. And just (intuitively) finding things in the app is not that easy; and I’ve (easily) navigated many apps / websites for similar services. This one ranks as one of the less intuitive.


  • By

    Love love love ittt!!!

    I LOVE Klarna ♥️ so far I’ve made 4 large purchases with the ability to pay in 4 interest free installments! What’s great is that I can debit it from my credit card so I never worry about what day it gets taken out of my account from my paycheck, and then just repay it back when I can, before my credit card company charges me interest. Double win! I’ve purchased anywhere from a tv stand, dining table and clothing to concert tickets and registration for my child’s football season! You can literally use your ghost card on any website! The only option that would top it off is if we have the ability to make an early payment on the next installment. There is an option to pay it off early but sometimes, I have the ability to make an additional installment payment but not want to pay off early. Other than that, Klarna has given me the ability to make purchases that I’d either not be able to afford or have to pay interest on with a credit card purchase!


  • By

    Pathetic In All Forms

    Seriously, how did this app manage any positive ratings? The app ONLY supports my iPhone, and even that is a very liberal term. The chat is totally broken... I continually have to exit the app to get the ability to make another post. And get this, you only have the option to select whether you want to chat about your account, or a purchase... but the representatives DO NOT have access to see your account, so they give you a total BS try again later, or call customer service during our limited service hours. Next, get to the in app shopping, which again fails miserably... the app works as an overlay that does not properly interact with the designated sites, and a great number of options end up off-screen, or totally missing. Then, how about the handicapped Virtual card; even if you have an approved credit-line account, you can only get the card to support the 4 payment option, which is bi-weekly... Something that is quite futile for those who only get paid one each month. Is this another case where a company hires a competent staff to get the business running, then drops everyone in favor of out-of-country out- sourced reps and techs...? And just imagine trying to go through this mess when you have a hearing disability and the app is NOT a resource to address issues.



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Is Klarna | Shop now. Pay later. Safe?

Yes. Klarna | Shop now. Pay later. is quiet safe to use but use with caution. This is based on our NLP (Natural language processing) analysis of over 486,868 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.8/5 . Justuseapp Safety Score for Klarna | Shop now. Pay later. Is 38.3/100.


Is Klarna | Shop now. Pay later. Legit?

Yes. Klarna | Shop now. Pay later. is legit, but not 100% legit to us. This conclusion was arrived at by running over 486,868 Klarna | Shop now. Pay later. User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for Klarna | Shop now. Pay later. Is 38.3/100.


Is Klarna | Shop now. Pay later. not working?

Klarna | Shop now. Pay later. works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.




Reported Issues: 1 Comments

By April Day
Aug 24 2021

Can you please tell me if Wells Fargo accepts Klarna transactions? I’ve been told if you bank at Wells Fargo, when you go to check out and choose Klarna as payment method, Wells Fargo denies the transactions from going through. Thanks so much





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Why should I report an Issue with Klarna | Shop now. Pay later.?

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  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
  4. If you are a Klarna | Shop now. Pay later. customer and are running into a problem, Justuseapp might not be the fastest and most effective way for you to solve the problem but at least you can warn others off using Klarna | Shop now. Pay later..


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