Klarna | Shop now. Pay later. Reviews

This would be a cool app if it would actually work. When it does work, it’s awesome, I’m able to make larger purchases and either pay every two weeks or spread the payments out over 6 months. Here’s the issue, KlarnaShopnowPaylater will work seamlessly then out of nowhere it won’t. I will attempt to make a purchase and initially I’m told I’m approved, I agree to the terms and go to the next step where my ghost card should be created but then it isn’t. I get this weird message telling me that my identity cannot be verified, so I answer the security questions, receive confirmation that my identity has been verified just for the system to do it again and ultimately deny my purchase. This only happens with the 6 monthly payment option. Then for some reason, a lot of merchants have stopped accepting Klarna ghost cards. Two merchants in a row declined my purchase because I was attempting to make the purchase via Klarna, super weird. I would love for their app and system to be updated to prevent these types of scenarios from happening going forward. I understand that they cannot intervene and make companies accept their payment, but the issues with ghost card inconsistently working is ridiculous. I have Afterpay and have never had any issues. They let you know up front how much you’re eligible to spend and you’re easily able to make purchases as long as you stay within your limit.

Found KlarnaShopnowPaylater 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!

I was happy to get approved for the installments and have tried another app called Affirm with no issues. I wanted to get an idea of what I would be paying and thought to go through with it. I ended up backing out of the offer from Klarna to try again when I got paid. I never checked out on the order with the Merchant. Again I’m used to Affirm where they don’t process the installments until you check out. I got a notification on my bank of suspicious activity and when I checked my account I saw that Klarna had charged me the first payment. I reached their customer service to ask if there was a way the order could be processed through the merchant since I had gotten charged anyway. They said they couldn’t and that I would be refunded, no biggie to me. I liked the customer service so far for informing me. I know they can’t make the world turn for me so I’m ok with getting back what was charged. What I don’t like is that Klarna charged me the first installment without me even checking out on the order. That’s the only issue I have and advise they get that updated for people like me that can be indecisive shoppers at times. Not even that it could be an issue where our battery dies or the page refreshes or we set down our phone for a bit and it times out. I’d really like to see the Klarna developers make that update happen to keep up with mishaps.

Honestly hands down worst experience ever. I’ve used KlarnaShopnowPaylater before and thought it was okay, but that was until I experienced an issue trying to order a refrigerator from Home Depot and Whirlpool never received my order so they never shipped it. I’ve been without a fridge for over a month at this point. My issue with Klarna came into play with their terrible customer service. Their only solution is that I had to get in contact with the merchant (which I already did) to have a refund placed for me ( which HD was struggling to do for the last 3 weeks) and instead of Klarna being helpful or understanding to my money being tied up in a refrigerator order never recieved that should of been an easy refund, Klarna exact words are “I can stop the payments until you reach out to the merchant. Us stopping the payment will give you the chance to resolve with them before we continue to process your payments. But we do not reach out to the vendors for anything at all, it’ll go in their queue and if they don’t respond we’ll resume your payments”. All in all telling me I pretty much just have to take it if Home Depot doesn’t see the message Klarna sends to their queue . Absolute worst customer service hands down. And the automated machine TRIES to not allow you through to a representative every way possible. Absolutely horrible. AND I’m still waiting on a refund weeks later !!

Company had a data breach back in March of 2021. When you logged in with your password and email, another persons account would open with their order details, card information, shipping address and a lot information. In August, I noticed an issue with my account when I was not able to make a purchase. KlarnaShopnowPaylater told me that I have payments on another account. I only have 1 Klarna account so I thought that was strange. I chatted with an agent and she told me that because someone had my same name and birthday that the system thought it was my account. She escalates my case to a specialist. A MONTH goes by and I have not received any kind of notification so I reach out to them. A different agent gave me a lot of information stating that a women in California* I live across the country* (he gave me her address, phone number and name) was using my account and that she had multiple purchases that were not paid for. Since then I have spoken with about 8 different people and no one has been able to delete me my account or fix my issue. I have been dealing with this issue since August 2021, it is now December and no one has responded to any of my escalated cases. In addition to all of this my bank account was hacked. I spoke with customer service and again they stated that I needed to wait for a specialist to reach out to me. No one has been able to help! Don’t use KlarnaShopnowPaylater!

Do not use Klarna. I purchased concert tickets through them and the concert has since been cancelled. Refund was done 5 days ago and I randomly got 2 much smaller amounts instead of the full refund so I reached out. First agent told me that it would go towards my Klarna balance and I’d have to request a refund. I said there’s nowhere in my account a balance shows how do I request a refund? They didn’t give me an answer said they were sending it to a specialist time and I’d hear back in 1-2 days. I still haven’t heard from them. So I reached out again yesterday and got a response that they had long hold times but someone would be with me soon. That was fine I just left the chat up and kept working but no one ever came. The chat is still waiting for a response 24 hours later but I contacted again not through my purchase and finally got a response. Now all of a sudden the rest of the refund is processing and I’ll have it in 5-7 business days. Why didn’t they just send the refund all at once? It didn’t take 5-7 business days for the random smaller amounts so why didn’t they just process the full refund? Also more than 24 hours with no response from customer service is unacceptable. I can understand being busy but 24 hours is ridiculous. I wouldn’t recommend using Klarna. Plenty of other options to split up payments which would be much better. 👎🏻

Was excited to use KlarnaShopnowPaylater, 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 KlarnaShopnowPaylater 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 KlarnaShopnowPaylater ), 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 KlarnaShopnowPaylater , which is crap because how am I supposed to BUILD payment history within KlarnaShopnowPaylater , 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 KlarnaShopnowPaylater , I was able to make the purchase of what I was trying to buy from Klarna.

Would NOT recommend this terrible app!!!!!

Klarna is another fintech fail led by young yt guy. Customer service is non existent. I mean so non existent that I was on hold in the chat forA VERY LONG TIME to be connected with a supervisor. How long exactly? Put on chat hold 12pm Friday and it’s now Monday morning with no supervisor in sigh. I tried asking for help repeatedly in that time frame in the chat and got nothing. Second off I recommend the younger folks trying this out to research how credit cards got started and why they are so popular with banks and profitable (hint: they prey on all of us to make it easy to spend money we don’t have and in return spend months paying back with interest - insanely high interest). Klarna is srsly sinister. It’s clear KlarnaShopnowPaylater is designed for ppl who can’t afford expensive items but will literally go into a payment plan to buy them instead of traditional credit card where interest accumulates immediately. Tips: ~test out a few low cost items to decide for yourself if this works. Do this over multiple orders (at least 3 different orders) ~DO NOT pay with any sort of klarna gift card or anything that would make returns difficult or tie you into klarna further ~ instead of paying KlarnaShopnowPaylater each week for installments- save up that money for each week you would already be paying klarna and purchase your item with money in the bank. If you can’t save money like that then you need financial counseling.

I was in love with KlarnaShopnowPaylater before holiday season hit and was able to stock up on some presents before December! However, when I tried to buy some more gifts around holiday season I was no longer approved for ghost cards. I thought it was perhaps due to the amount of people also trying to order around holiday season so I waited and even now I am no longer approved for ghost cards and I’m so disappointed because I loved KlarnaShopnowPaylater. I understand it’s all an automated system that either approves you or doesn’t I just don’t know what I did wrong because my card will have more than enough money, I have tried different amounts of money for ghost card approval, and have paid all of my pervious purchases off which is hundreds of dollars by the way. Now I’m back to using Afterpay which I highly recommend to anyone looking for a similar app. Only downfall is it doesn’t have as many options as Klarna does. If KlarnaShopnowPaylater ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with KlarnaShopnowPaylater but for now this system isn’t working for me and many other and for that reason I will no longer be using it.

I have been purchasing from Klarna since July. I have purchased well over $1k worth of items. Perfect payment history never been late. Now here in the past week or so I can never get approved for a ghost card. It tells me to pay off other items. So I did that and still to not avail it’s kept declining me for a ghost card. I’ve changed cards and purchase amounts and still I cannot get approved for a ghost card. RIDICULOUS!! Is this how you treat loyal and good paying customers!? I’m not even going to bother with customer service because I don’t want to get the run around. Klarna you guys have to do better than just saying to people “keep trying” that’s terrible customer service. If a customer has established a good payment history with you guys-WHICH I HAVE. Then approving me for a ghost card should be no problem at all. Now I understand having tighter restrictions on newer customer but majority of these complaints on here come from well established customers that have paid you guys ALOT of money. I used to rave about Klarna but sadly that now is going to have to change. When Klarna works it’s great but when it doesn’t it’s terrible. I guess I’ll just have to stick to Afterpay.

I liked Klarna a lot at first, but then they changed their policies to be more on the side
of merchants than customers. I bought something online from an independent seller than never arrived. I reached out to the seller for a refund and they refused despite my showing proof that it never arrived. At first, Klarna took my side and cancelled the order. Then a few months later, they tried to charge me again, so I reached out and they weren’t able to give back the money taken, but they did put a stop on the payments. Just today, I got a notification saying that I would be charged for this item once again. This time Klarna refuses to stop or cancel the payment and said it was due to a new policy. On top of that, one of their reps told me to just go to my bank and have them stop payments to Klarna. When I explained that this would cause my bank to stop ALL payments, even the legitimate ones, the rep basically said “oh well” and told me to do it anyway. So I guess Klarna would rather have people go behind their back to prevent banks from accepting their payments than taking responsibility and just cancelling the order. Bad business practice, bad customer service, and an all around stupid AF company. So go ahead everyone, just use Klarna and then stop payment with your bank because they clearly don’t care about running an honest business. Use QUADPAY instead.

I use this for big purchases, and for sites like Etsy. It’s irritating when I buy one thing at a time, so I’ll pick a couple things and just pay it off over time. If you’re terrible at budgeting like me, it doesn’t make you wait until your due date to pay, you can pay right there and then. You can also extend your due date, I’ve never used this feature but I’m sure it comes in handy. With each purchase, your ‘purchase power’ goes up, it also increases every time you make a payment. If you stay on top of it, it’s a great tool. There are also a lot of stores you can use it at, but if it’s not on their list you can still use Klarna, like I bought a coat at L.L Bean but that’s not one of their partners. I was still able to do a one time purchase through them, you just search for it and then click ‘search on google’ and then hit pay and itll prompt you to create a one time card. Either way, there list is pretty extensive, I have yet to find a store that isn’t on their list so I’m not sure what some people are talking about when they say there’s only a ‘handful of stores’ you can use it at.

Honestly I’m very disappointed in KlarnaShopnowPaylater. 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 KlarnaShopnowPaylater 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.

I’ve been reading some of these reviews of people having the same trouble, the same auto-generated denial of a purchase, the same frustration and the developers response is always the same.. “we don’t know why”. The reviews I’ve been reading are from June-august 2019, it is now April 2020 and still no updates to their system. And these reviews are right on par with what happens when you talk to customer service as well, There’s a number of factors that determine whatever etc etc. My purchase was for $89; $22 every two weeks, not accepted by klarna, talk to support, he essentially tells me to just keep trying because he can’t tell me at what price that I MIGHT get approved, or what exactly is going wrong on why I’m not being accepted, “you might be approved for a lower amount, or if I try again later” tried it again for a $50 purchase same website, no go. There are at least 3 other sites that offer what you do and its none of the hassle. Why is this still an issue!? And no I don’t need you to go over your approval process with your customer service I already did that. It’s stated above and you were not helpful!

Edit per Dev. response: No, there was no cancellation; having confirmed with the merchant, they never received their part from Klarna. The fact that they want to push the blame off on everyone else but themselves is clear indication that they’re unprofessional and unwilling to take responsibility for their mistakes. Avoid. As mentioned in the title, I’d used these guys frequently, and highly enjoyed the company. That is, until today, where they charged my card for an order they didn’t complete, and on top of taking the money out of my account, my “estimated amount to spend” greatly reduced (to the point that I can’t retry ordering), and given an excuse of “very soon” for my refund. There’s no accountability to be taken, and blame was instead put on the company the order was made through (despite the payment being taken /by/ Klarna). I’ll be closing out my account after this, as this is extraordinarily unprofessional.

Edit 2:
Fool me once, etc etc; today, after giving them the benefit of the doubt, decided to order something using their payment plan, and for the second time in using their services, yet again they had taken my money and did not complete the transaction. Unless you like loaning companies money for a week and waiting to get it back, I’d not run the risk of using this service.

I’m not one to go out of my way to write reviews, but I just have to express how amazing Klarna is. There is no company so dedicated to their customers and consumers as this one is, I’ve never seen anything like it in all my life. Their customer service is unreal, they are always on top of exchanges, returns, purchases, everything. Their social media is always on point-they are always replying to people, getting back to people with questions fast, being fun and funny, etc. The company itself is amazing, I have more than 15 purchases with them right now and have never had a problem with one. I will swear by KlarnaShopnowPaylater/website for forever. Also want to recognize that they do Drag Brunches with incredible and popular drag queens from RuPaul’s Drag Race. They are so cute and entertaining, especially during this time. And if I’m correct, I believe they are fundraising events as well, for people who are affected by the virus. Just wanted to put my two cents in to demonstrate just how amazing Klarna is, and how I don’t see why anyone would use any service aside from theirs. So loyal to their customers, even newer customers! Love 💗💗💗

I paid off my Klarna balance 2 weeks ago. I have a 0 dollar balance on KlarnaShopnowPaylater and customer service confirmed that I do not owe Klarna anything. However, when I have attempted to make a purchase I continue to receive a decline message stating that I need to pay off my overdue balance. There is no overdue balance! When I have called customer service about the automated system declining my purchase, due to an incorrect reason, all they do is read the same scripted answers and essentially parrot how they’re at the mercy of their automated computer system that obviously has a glitch. Computers are great, but they can only do so much. Computers are not capable of critical thinking skills, which is why human beings are supposed to take over when a computer is not functioning correctly. At Klarna, however, their customer service department can’t do anything except suggest that I continue to attempt to make purchases until the computer figures out that it is unequivocally wrong about me having an overdue balance. The CEO of Klarna is a computer and their customer service department is inept and unable to investigate or remedy their faulty computer’s glitch. It is beyond frustrating to call a customer service department, who can’t provide a customer with any definitive answers or any decent customer service!

KlarnaShopnowPaylater is great for people that don’t have credit and are wanting for buy larger purchases by paying smaller payments at a time. There’s only 2 catches, which should be seen as a responsibility. For starters, you can’t just buy any item that you want and connect your bank account with no money in it. Your order will cancel if you cannot pay Klarna back and will limit your spendings or potentially enable you from buying anything at all. This is a trust app so don’t take that first time trust for granted. Secondly, you can’t start out making larger purchases that may be up to 100s of dollars. I started out using klarna for $20-$60 purchases and the more often that I used it, the larger my “purchase power” became. If you would like, there is an option to buy larger purchases and pay them off over time, but that first purchase is going to be more expensive than the rest. Personally, I like to build my trust and have the ability to make bigger purchases. Although, I always make sure that I am going to have the money for it at the time of automatic withdrawals.

Klarna works great and does exactly what it is supposed to - until you have a problem and have to deal with their customer service. I received a refund for a cancelled event back in September, but was shorted one of my refund payments. I talked to my bank and they told me exactly what the problem was. Klarna won’t even acknowledge my problem - in fact, they don’t even keep a record that there *was* a problem. I have had to fully explain what was going on every single time, including the fact that they saw where the deposit was attempted and then cancelled by Klarna. To date I have spent nearly 20 hours in chat or on hold waiting for “specialists” who can actually look at the full transaction records. When I do finally receive a response, they tell me to contact my bank and come back with what they say with no record or acknowledgment that I had already told them exactly what the problem was several times already. Want to tell the specialist directly? Nope they close the ticket as soon as you get an e-mail or response from a specialist. Specialist doesn’t reply? After seven days they automatically delete your ticket and you go to the back of the line. Do business with them at your own risk, because if there is an issue you can look forward to being ignored and ran in circles.

When I first downloaded KlarnaShopnowPaylater I was very skeptical, but once I bought my first ordered everything thing was perfect and easy . The payments were easy and they had every store you can think of. I loved KlarnaShopnowPaylater so much because it helped get a lot of gifts for every holiday that past without spending so much money at one time. I spoke highly on KlarnaShopnowPaylater that I recommended it to about 12 ppl , a few of them were able to pay about 3 good purchases on different occasions and some only ordered things once. And they also spoke highly of them. But then one of them tried to start a new purchase and was told they didn’t get approved for the ghost card. I’m thinking to myself how can you not get approved for a card your funding with your own money 🤔🤨. She even deleted KlarnaShopnowPaylater and reinstalled it and no luck . And she had been using the same BANK card since started dealing with them. Customer service was no help at all. And lately the last few ppl I had recommended to Klarna have not been getting approved for the ghost card. My problem comes in when I recently tried to make a purchase yesterday for my birthday and Valentine’s Day orders and it said it doesn’t support my card. 🧐 I’m baffled due to the fact I have used this card on several occasions with KlarnaShopnowPaylater from last year up into my last payment last week. I’m HIGHLY DISAPPOINTED WITH KlarnaShopnowPaylater 😭😭😭😭

I started using KlarnaShopnowPaylater 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 KlarnaShopnowPaylater ! 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 KlarnaShopnowPaylater; 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 KlarnaShopnowPaylater? 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.

I originally wrote a stellar review about KlarnaShopnowPaylater 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 KlarnaShopnowPaylater 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 KlarnaShopnowPaylater 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.

I hate that KlarnaShopnowPaylater 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 KlarnaShopnowPaylater causes. Obviously KlarnaShopnowPaylater works great for some people but I am not one of them.

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.

I started using KlarnaShopnowPaylater 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 KlarnaShopnowPaylater 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 KlarnaShopnowPaylater 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 KlarnaShopnowPaylater . 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 KlarnaShopnowPaylater and my card meets each and every one of them. Now I feel like I can’t trust them. Will not be going back.

Been using KlarnaShopnowPaylater 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 KlarnaShopnowPaylater 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 KlarnaShopnowPaylater 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. :(

Exceedingly disappointed in KlarnaShopnowPaylater. 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 KlarnaShopnowPaylater 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.

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 KlarnaShopnowPaylater 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.

KlarnaShopnowPaylater 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 KlarnaShopnowPaylater 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 KlarnaShopnowPaylater 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.

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 KlarnaShopnowPaylater is not that easy; and I’ve (easily) navigated many apps / websites for similar services. This one ranks as one of the less intuitive.

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!

Seriously, how did KlarnaShopnowPaylater manage any positive ratings? KlarnaShopnowPaylater ONLY supports my iPhone, and even that is a very liberal term. The chat is totally broken... I continually have to exit KlarnaShopnowPaylater 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... KlarnaShopnowPaylater 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 KlarnaShopnowPaylater is NOT a resource to address issues.