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Klarna | Smoooth shopping
Klarna Bank AB (publ)
Shop at any online store and Pay later in our shopping app.
10M+
Downloads
Shop at any online store and Pay later in our shopping app.
see more about Klarna | Smoooth shopping
About Klarna | Smoooth shopping
Google Play
In the Klarna app, you can choose to pay later in 4 installments, interest-free. This gives you the chance to get what you love now and make your payments more manageable over time. It also allows you to try before you buy and make hassle-free returns, without taking money out of your pocket in the meantime.
SHOP MORE, GET MORE.
The more you use the option to pay later in 4 installments with Klarna and pay back on time, the more purchasing power you unlock. As well as exclusive deals and offers, of course!
ACCESS THE BEST DEALS AND DROPS.
Never pay too much for the stuff you love again. In the Klarna app you can find weekly deals and discounts for thousands of different products. The deals tab will always update as soon as another deal from our retailer network goes live.
SHOP EVERYWHERE IN ONE APP.
The Klarna app gives you a better way to discover, browse, and shop the stuff you love. Whether you’re looking for fashion, furniture or home electronics, you can check out any online merchant in our one-stop shopping portal and choose to pay later in 4 interest-free transactions. Use your debit or credit card or your bank account.
CREATE WISH LISTS.
Keep track of what you love. Browse online stores, pin your favorites, and share your saved items with friends. All in one app.
GET PRICE DROP ALERTS.
Never pay full price again. When you set up price-drop notifications in our app, you’ll be the first to know when your favorite products go on sale.
ALL YOUR ORDERS IN ONE PLACE.
Love being organized? When you shop with Klarna, you get a complete overview of all your purchases, invoices and split payments.
INSTANT SHOPPING CONFIRMATION.
No one likes to wait. When you buy something through our app, you'll see your purchase just seconds after your order has been placed.
SOME OF OUR PARTNERS.
Amazon, Walmart, Foot Locker, Target, Macys, Nike, Ticketmaster, Best Buy, Shein, Nordstrom, Sephora, H&M, American Eagle, ASOS, Wayfair, Finish Line and Forever 21, Overstock, Wing, Dish, Indigo, PC, Aurora, Lenovo, Riptide, Sonos, Element, Givenchy, Gravity, Muse, Togos, Tomorrow, Godspeed, Kylia, Mar, Mood, Onewheel, Pangea, Plank, Precision, Puffy, Snooze, Black Crows, Crumble, Idle, Molecule, Wacom, Adirondack.
STAY SAFE.
Shopping for bargains is thrilling enough without security risks. Our login is as simple as it is secure – with Face ID, Touch ID or PIN. We are at your service in our chat in the app.
GET HELP WHEN YOU NEED IT.
Chat with customer service whenever you need help. Or if you just want to give feedback. Everyone loves a compliment. <3
Try smoooth shopping in the Klarna app. It’s a game changer.
SHOP MORE, GET MORE.
The more you use the option to pay later in 4 installments with Klarna and pay back on time, the more purchasing power you unlock. As well as exclusive deals and offers, of course!
ACCESS THE BEST DEALS AND DROPS.
Never pay too much for the stuff you love again. In the Klarna app you can find weekly deals and discounts for thousands of different products. The deals tab will always update as soon as another deal from our retailer network goes live.
SHOP EVERYWHERE IN ONE APP.
The Klarna app gives you a better way to discover, browse, and shop the stuff you love. Whether you’re looking for fashion, furniture or home electronics, you can check out any online merchant in our one-stop shopping portal and choose to pay later in 4 interest-free transactions. Use your debit or credit card or your bank account.
CREATE WISH LISTS.
Keep track of what you love. Browse online stores, pin your favorites, and share your saved items with friends. All in one app.
GET PRICE DROP ALERTS.
Never pay full price again. When you set up price-drop notifications in our app, you’ll be the first to know when your favorite products go on sale.
ALL YOUR ORDERS IN ONE PLACE.
Love being organized? When you shop with Klarna, you get a complete overview of all your purchases, invoices and split payments.
INSTANT SHOPPING CONFIRMATION.
No one likes to wait. When you buy something through our app, you'll see your purchase just seconds after your order has been placed.
SOME OF OUR PARTNERS.
Amazon, Walmart, Foot Locker, Target, Macys, Nike, Ticketmaster, Best Buy, Shein, Nordstrom, Sephora, H&M, American Eagle, ASOS, Wayfair, Finish Line and Forever 21, Overstock, Wing, Dish, Indigo, PC, Aurora, Lenovo, Riptide, Sonos, Element, Givenchy, Gravity, Muse, Togos, Tomorrow, Godspeed, Kylia, Mar, Mood, Onewheel, Pangea, Plank, Precision, Puffy, Snooze, Black Crows, Crumble, Idle, Molecule, Wacom, Adirondack.
STAY SAFE.
Shopping for bargains is thrilling enough without security risks. Our login is as simple as it is secure – with Face ID, Touch ID or PIN. We are at your service in our chat in the app.
GET HELP WHEN YOU NEED IT.
Chat with customer service whenever you need help. Or if you just want to give feedback. Everyone loves a compliment. <3
Try smoooth shopping in the Klarna app. It’s a game changer.
App Store
SHOP NOW. PAY LATER.
In the Klarna app, you can choose to pay later in 4 installments, interest-free. This gives you the chance to get what you love now and make your payments more manageable over time.
SHOP MORE. GET MORE.
The more you use pay later in 4 installments with Klarna and pay back on time, the more purchasing power you unlock, as well as exclusive deals and offers, of course!
ACCESS THE BEST DEALS AND DROPS.
Never pay too much for the stuff you love again. In the Klarna app you can find weekly deals and discounts for thousands of different products. The deals tab will always be updated as soon as another deal from our retailer network goes live.
SHOP EVERYWHERE IN ONE APP.
The Klarna app gives you a better way to discover, browse, and shop the stuff you love. Whether you’re looking for fashion, furniture or home electronics, you can check out any online store in our one-stop shopping portal and choose to pay later in 4 interest-free installments.
CREATE WISH LISTS.
Keep track of what you love. Browse online stores, pin your favorites, and share your saved items with friends. All in one app.
PERSONALIZED WISH LISTS.
While onboarding, you will do a quick questionnaire to identify your interests. After this, we will deliver you personalized Wish lists based on your taste.
TRACK ALL YOUR ORDERS IN ONE PLACE.
You no longer have to log in to different websites and search tracking numbers or call to check where your package is. Just check your order status in the app.
GET PRICE DROP ALERTS.
Never pay full price again. When you set up price-drop notifications in our app, you’ll be the first to know when your favorited products go on sale.
MANAGE YOUR PAYMENTS.
Love being organized? When you shop with Klarna, you get a complete overview of all your purchases and payments. You can now pay a single installment early for added convenience.
INSTANT SHOPPING CONFIRMATION.
No one likes to wait. When you buy something through our app, you'll see your purchase just seconds after your order has been placed.
STAY SAFE.
Shopping is thrilling enough without security risks. Our log in is just as simple as it is secure – with Face ID, Touch ID or PIN. We are at your service in our chat in the app.
Try smoooth shopping in the Klarna app, it’s a game changer.
In the Klarna app, you can choose to pay later in 4 installments, interest-free. This gives you the chance to get what you love now and make your payments more manageable over time.
SHOP MORE. GET MORE.
The more you use pay later in 4 installments with Klarna and pay back on time, the more purchasing power you unlock, as well as exclusive deals and offers, of course!
ACCESS THE BEST DEALS AND DROPS.
Never pay too much for the stuff you love again. In the Klarna app you can find weekly deals and discounts for thousands of different products. The deals tab will always be updated as soon as another deal from our retailer network goes live.
SHOP EVERYWHERE IN ONE APP.
The Klarna app gives you a better way to discover, browse, and shop the stuff you love. Whether you’re looking for fashion, furniture or home electronics, you can check out any online store in our one-stop shopping portal and choose to pay later in 4 interest-free installments.
CREATE WISH LISTS.
Keep track of what you love. Browse online stores, pin your favorites, and share your saved items with friends. All in one app.
PERSONALIZED WISH LISTS.
While onboarding, you will do a quick questionnaire to identify your interests. After this, we will deliver you personalized Wish lists based on your taste.
TRACK ALL YOUR ORDERS IN ONE PLACE.
You no longer have to log in to different websites and search tracking numbers or call to check where your package is. Just check your order status in the app.
GET PRICE DROP ALERTS.
Never pay full price again. When you set up price-drop notifications in our app, you’ll be the first to know when your favorited products go on sale.
MANAGE YOUR PAYMENTS.
Love being organized? When you shop with Klarna, you get a complete overview of all your purchases and payments. You can now pay a single installment early for added convenience.
INSTANT SHOPPING CONFIRMATION.
No one likes to wait. When you buy something through our app, you'll see your purchase just seconds after your order has been placed.
STAY SAFE.
Shopping is thrilling enough without security risks. Our log in is just as simple as it is secure – with Face ID, Touch ID or PIN. We are at your service in our chat in the app.
Try smoooth shopping in the Klarna app, it’s a game changer.
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Oct 21, 2020 This is a great app for a great Service. Please understand that all purchases are based on a computer program and not just your records with Klara. If your credit life is crumbling then you may get a lower limit than you have in the past. What fees are people talking about? I pay no fees to use Klarna so no comments on that. As for the down payment or payment up front, everything I have read says that your first payment is due when the order ships. We are using Klarna for a reason people!!more -
Klarna is wonderful when it works.
Jun 12, 2020 First I want to say, an app like this is a life saver for many, but it does have flaws. Some of my experiences including, cancelling my order and Klarna not being able to cancel it from their end for almost 45 days later. No explanation why my ghost card was cancelled and my actual card charged the full amount (thank god I had the full amount in my account otherwise I’d have over-drafted). There is literally no communication between Klarna and wherever you’re buying so don’t expect anyone to know anything. I’m serious! Customer service is given nothing. No explanations, no reasons why, nothing. They have no idea what to do to help you and they’re in the dark about everything. They cannot change anything and the only way to fix an issue is get transferred to an ‘expert’. My expert said they were going to manually fix my issue - it’s been a week now and the issue is still present. Just know you do take a risk with this. It is a gamble. Maybe everything works or maybe you get charged the full amount with no explanation why in sight. Moral of the story? Have enough money to buy what you want, even if you don’t want to spend that amount upfront.more -
No longer working!
Feb 26, 2020 I was in love with this app 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 this app. 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 this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it.more -
AMAZING
May 13, 2020 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 this app/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 💗💗💗more -
Oct 21, 2020 Get Klarna Today! This app is fantastic. I have been using it for over a couple of months now and I was really afraid of downloading this app because of the negative reviews. Some guy said he couldn't pay off the debt and it just accumulated interest. I didn't want that for myself but I haven't run into that problem. The first payment comes out automatically after a purchase. I think the other payments too but I normally just pay when I get money. It does a little cash back too.more
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Oct 21, 2020 Klarna used to be a great app and an alternative to shopping & use of credit cards. Unfortunately not sure if it has to do with the new update, but I can no longer be approved for minimal balances ($100 or less) even though I've had a great payment history and high limit available in the past. Would definitely be 5 stars though for easy to use and creation of ghost cards.more -
Don’t bother wasting your time!
Nov 14, 2019 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!!!!!more -
Oct 21, 2020 Absolutely not worth it. I tried to make a purchase, the first payment went through with no issues I thought everything was fine but apparently not. With no notification my order was cancelled and a hold was put on the "one time card" you have to create in order to purchase. They said that it would take 5-7 business days for the transaction to show up when the hold was released. I think this is ridiculous especially when it told me the transaction was "approved" before.more -
Oct 21, 2020 The idea of klarna is interesting. with every new purchase the app makes a new account, and it can't track the older purchases. And there is no way to bring them all in the app. I tried rebooting the app and reinstalling, it doesn't work. Also shopping through the app with Adidas won't work it does not connect with thier site. Eventually you rather go stone age manual way. It also does not track your order. I called your team were not helpful.more -
Disappointed
Oct 14, 2019 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.more
No reviews available
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Oct 21, 2020 This is a great app for a great Service. Please understand that all purchases are based on a computer program and not just your records with Klara. If your credit life is crumbling then you may get a lower limit than you have in the past. What fees are people talking about? I pay no fees to use Klarna so no comments on that. As for the down payment or payment up front, everything I have read says that your first payment is due when the order ships. We are using Klarna for a reason people!!more -
Klarna is wonderful when it works.
Jun 12, 2020 First I want to say, an app like this is a life saver for many, but it does have flaws. Some of my experiences including, cancelling my order and Klarna not being able to cancel it from their end for almost 45 days later. No explanation why my ghost card was cancelled and my actual card charged the full amount (thank god I had the full amount in my account otherwise I’d have over-drafted). There is literally no communication between Klarna and wherever you’re buying so don’t expect anyone to know anything. I’m serious! Customer service is given nothing. No explanations, no reasons why, nothing. They have no idea what to do to help you and they’re in the dark about everything. They cannot change anything and the only way to fix an issue is get transferred to an ‘expert’. My expert said they were going to manually fix my issue - it’s been a week now and the issue is still present. Just know you do take a risk with this. It is a gamble. Maybe everything works or maybe you get charged the full amount with no explanation why in sight. Moral of the story? Have enough money to buy what you want, even if you don’t want to spend that amount upfront.more -
No longer working!
Feb 26, 2020 I was in love with this app 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 this app. 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 this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it.more -
AMAZING
May 13, 2020 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 this app/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 💗💗💗more -
Oct 21, 2020 Get Klarna Today! This app is fantastic. I have been using it for over a couple of months now and I was really afraid of downloading this app because of the negative reviews. Some guy said he couldn't pay off the debt and it just accumulated interest. I didn't want that for myself but I haven't run into that problem. The first payment comes out automatically after a purchase. I think the other payments too but I normally just pay when I get money. It does a little cash back too.more
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Was great while it worked
Apr 10, 2020 Update: I will update my original review stars but won’t delete my review as a reminder that it may also happen to others. As of now I’m able to shop again and create ghost cards, however, I am always apprehensive to update the app. I can’t give the app 1 star because I did have a good experience up until my first purchase was paid in full. This app was very easy to use and I was able to make multiple purchases both with the ghost card and with the stores that used Klarna as a payment method during checkout. I agree with others who say you never really know what to expect as your limit does seem to change on a daily basis. I tried to create a ghost card the same day that my first purchase was completely paid off and boom, denied and asked to try with another card. No thanks. I’m not sure if paying off triggered their automated system or it it was the update to the app but I have not been able to make a purchase since then. Moral of the story is it is great when it works but don’t become reliant on the app because you never know when you will no longer be able to get approved.more
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Oct 16, 2020 First of all this app is very different and helpful, it's an online supermarket that combines all stores into one app, it's a very very good way of making a shopping app and I love it how the whole app works, theres just one huge problem with it and its speed, its extremely slow at loading websites to the point where its barely useable, sometimes they barely even load at all, but other than that I think it's a very good concept of an appmore -
Oct 14, 2020 Was once a great and convenient service but now all you get is "Something went wrong". In the beginning klarna would approve any one time card I created, and I've paid them all with no late fees, some I paid off before the end date. These days I can barely create 5 or more cards for purchases. Either there's a glitch or a cap. I've been forced to use QuadPay more than ever.more -
Paid off account earlier than needed to end the frustration
Jun 27, 2019 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.more
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Oct 21, 2020 Klarna used to be a great app and an alternative to shopping & use of credit cards. Unfortunately not sure if it has to do with the new update, but I can no longer be approved for minimal balances ($100 or less) even though I've had a great payment history and high limit available in the past. Would definitely be 5 stars though for easy to use and creation of ghost cards.more -
Oct 21, 2020 The idea of klarna is interesting. with every new purchase the app makes a new account, and it can't track the older purchases. And there is no way to bring them all in the app. I tried rebooting the app and reinstalling, it doesn't work. Also shopping through the app with Adidas won't work it does not connect with thier site. Eventually you rather go stone age manual way. It also does not track your order. I called your team were not helpful.more -
Oct 21, 2020 It has options but I don't like how the app keeps closing out every time I try to look at a item before buying it or before I purchase it. Can you please fix it? I would like to be able to shop on the app in peace without complications. I also don't like the fact that you are required to have the shipping address be the same as the billing address in order to complete your first purchase on the app. As long as the payments are still taken out for the purchase regardless, it shouldn't matter.more -
Oct 12, 2020 What once was a good app has gone downhill. It's exceptionally slow and sluggish. No matter what you are trying to do, it's borderline unresponsive at times. Klarna has also began double charging your first payment. I can imagine what that does to someone who relies on this service, potentially overdrafting them until/if the second payment falls off days later. I can't recommend it, there's better in this space.more -
Oct 5, 2020 Total trash of an update. When I complete paying off something and then I try to go back into that purchase and click "more" it just brings up a balloon that says "something went wrong". This app is slow, and I always have issues with these updates. Updates are supposed to improve functionality, not reduce it.more
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Don’t bother wasting your time!
Nov 14, 2019 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!!!!!more -
Oct 21, 2020 Absolutely not worth it. I tried to make a purchase, the first payment went through with no issues I thought everything was fine but apparently not. With no notification my order was cancelled and a hold was put on the "one time card" you have to create in order to purchase. They said that it would take 5-7 business days for the transaction to show up when the hold was released. I think this is ridiculous especially when it told me the transaction was "approved" before.more -
Disappointed
Oct 14, 2019 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.more -
Oct 20, 2020 This app isn't useful. Interface looks nice, but I no longer want to have this account. I contacted support in a chat through the app (which you have to do in order to have your account deleted). The person I spoke with was nice, but said the matter needed to be escalated and I would hear back from someone within two business days. It's been over a week now and no contact. I wrote again in the initial chat which was still open, and again no response. Shady practices like this make me warymore -
Good to start but gone off the deep end
Jul 29, 2020 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.more
What’s Groovy
I just recently downloaded klarna around the holidays it was great I was able to get all my family gifts and not break the bank I then paid all 5 of my purchased accounts off before the due date... I haven’t made any purchases since I paid them off in the beginning of January I just recently went to make a purchase and I got a message saying I was not approved for the ghost card account to try A different form of payment I check to make sure my card info was correct and i know I have money in my account everything was the same as the last time I made purchases so I tried it again still the same response I then spoke with an agent and they just told me there was nothing they could do about it and that I should just wait a few days remind you I hadn’t made a purchase since the beginning of December but anyways I waited two weeks and tried it again still the same response I was not able to create a ghost card so I spoke to a agent again they told me the same thing which I’m still not understanding that I should wait a couple of days and when I explained to them I had already waited two weeks they still told me to wait I also tried again today and got the same message at this point I’m over this app it was fun while it lasted though 😁
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What’s Subpar
At First, I absolutely loved this app!! Now it's not approving purchases. I had a credit limit at one point it was over $1100 . I always paid my purchases off early, never had any problems. I've been a customer for 2 years. Now I can't get approved for even $200. At times it tells me my limit is $40. Had customer support tell me it's very unpredictable and pay off some purchases. I told him I had a zero balance. He said yes it is a problem. Yikes!! Customer service is chat with generic response
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This is a great app for a great Service. Please understand that all purchases are based on a computer program and not just your records with Klara. If your credit life is crumbling then you may get a lower limit than you have in the past. What fees are people talking about? I pay no fees to use Klarna so no comments on that. As for the down payment or payment up front, everything I have read says that your first payment is due when the order ships. We are using Klarna for a reason people!!
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Klarna is wonderful when it works.
First I want to say, an app like this is a life saver for many, but it does have flaws. Some of my experiences including, cancelling my order and Klarna not being able to cancel it from their end for almost 45 days later. No explanation why my ghost card was cancelled and my actual card charged the full amount (thank god I had the full amount in my account otherwise I’d have over-drafted). There is literally no communication between Klarna and wherever you’re buying so don’t expect anyone to know anything. I’m serious! Customer service is given nothing. No explanations, no reasons why, nothing. They have no idea what to do to help you and they’re in the dark about everything. They cannot change anything and the only way to fix an issue is get transferred to an ‘expert’. My expert said they were going to manually fix my issue - it’s been a week now and the issue is still present. Just know you do take a risk with this. It is a gamble. Maybe everything works or maybe you get charged the full amount with no explanation why in sight. Moral of the story? Have enough money to buy what you want, even if you don’t want to spend that amount upfront. -
No longer working!
I was in love with this app 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 this app. 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 this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it. -
AMAZING
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 this app/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 💗💗💗 -
Get Klarna Today! This app is fantastic. I have been using it for over a couple of months now and I was really afraid of downloading this app because of the negative reviews. Some guy said he couldn't pay off the debt and it just accumulated interest. I didn't want that for myself but I haven't run into that problem. The first payment comes out automatically after a purchase. I think the other payments too but I normally just pay when I get money. It does a little cash back too.
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First of all this app is very different and helpful, it's an online supermarket that combines all stores into one app, it's a very very good way of making a shopping app and I love it how the whole app works, theres just one huge problem with it and its speed, its extremely slow at loading websites to the point where its barely useable, sometimes they barely even load at all, but other than that I think it's a very good concept of an app
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Was once a great and convenient service but now all you get is "Something went wrong". In the beginning klarna would approve any one time card I created, and I've paid them all with no late fees, some I paid off before the end date. These days I can barely create 5 or more cards for purchases. Either there's a glitch or a cap. I've been forced to use QuadPay more than ever.
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Amazing!
Klarna allows the ability to make a larger purchase & pay in installments every two weeks over a 6 week period of time, making it easy to pay off the balance quick while getting your merchandise immediately. I absolutely love it. I’m hoping for the option to payoff the balance early, but definitely not complaining. Their customer service is excellent as well; The first time I used Klarna I made a purchase from a company, but quickly cancelled the order. The company cancelled it, said I would be refunded within 3-5 days. I wasn’t confident they had begun my refund process by notifying Klarna, so I called Klarna on the 5th business day and found out the company had not notified Klarna. The rep actually called the company with me on the phone and she processed it. I received the email while I was still on the phone, Klarna was notified as well, and they refunded me by the 3rd business day. That was further confirmation that it was safe to use Klarna so I proceeded to make another purchase. I can’t wait to pay off my current purchases bc I already know what I’ll be getting next lol -
Was great while it worked
Update: I will update my original review stars but won’t delete my review as a reminder that it may also happen to others. As of now I’m able to shop again and create ghost cards, however, I am always apprehensive to update the app. I can’t give the app 1 star because I did have a good experience up until my first purchase was paid in full. This app was very easy to use and I was able to make multiple purchases both with the ghost card and with the stores that used Klarna as a payment method during checkout. I agree with others who say you never really know what to expect as your limit does seem to change on a daily basis. I tried to create a ghost card the same day that my first purchase was completely paid off and boom, denied and asked to try with another card. No thanks. I’m not sure if paying off triggered their automated system or it it was the update to the app but I have not been able to make a purchase since then. Moral of the story is it is great when it works but don’t become reliant on the app because you never know when you will no longer be able to get approved. -
Love this app. It has helped me with so many things. Projects around house that was more than I could afford at the time. I have been using this for a year now ans never had a problem with it. Customer service is always quick to answer if you need help. I will continue using this as long as I can. Great app
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Awesome
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Updated good
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Awesome shopping...Christmas here I come!!!!!
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Good
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Haven't had the opportunity to enjoy this utility\c-card...but what I have read\seen...lookx great so far...
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Amazing app definitely recommend
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I really like this app. Ok have got a lot credit from Klarna it's better than credit card
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settlemoir1$
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Mary Long
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Klarna /smooth shopping’
Don’t use it I’ve had no good response and no one takes it!!!!!
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This is a great app for a great Service. Please understand that all purchases are based on a computer program and not just your records with Klara. If your credit life is crumbling then you may get a lower limit than you have in the past. What fees are people talking about? I pay no fees to use Klarna so no comments on that. As for the down payment or payment up front, everything I have read says that your first payment is due when the order ships. We are using Klarna for a reason people!!
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Klarna is wonderful when it works.
First I want to say, an app like this is a life saver for many, but it does have flaws. Some of my experiences including, cancelling my order and Klarna not being able to cancel it from their end for almost 45 days later. No explanation why my ghost card was cancelled and my actual card charged the full amount (thank god I had the full amount in my account otherwise I’d have over-drafted). There is literally no communication between Klarna and wherever you’re buying so don’t expect anyone to know anything. I’m serious! Customer service is given nothing. No explanations, no reasons why, nothing. They have no idea what to do to help you and they’re in the dark about everything. They cannot change anything and the only way to fix an issue is get transferred to an ‘expert’. My expert said they were going to manually fix my issue - it’s been a week now and the issue is still present. Just know you do take a risk with this. It is a gamble. Maybe everything works or maybe you get charged the full amount with no explanation why in sight. Moral of the story? Have enough money to buy what you want, even if you don’t want to spend that amount upfront. -
No longer working!
I was in love with this app 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 this app. 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 this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it. -
AMAZING
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 this app/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 💗💗💗 -
Get Klarna Today! This app is fantastic. I have been using it for over a couple of months now and I was really afraid of downloading this app because of the negative reviews. Some guy said he couldn't pay off the debt and it just accumulated interest. I didn't want that for myself but I haven't run into that problem. The first payment comes out automatically after a purchase. I think the other payments too but I normally just pay when I get money. It does a little cash back too.
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Amazing!
Klarna allows the ability to make a larger purchase & pay in installments every two weeks over a 6 week period of time, making it easy to pay off the balance quick while getting your merchandise immediately. I absolutely love it. I’m hoping for the option to payoff the balance early, but definitely not complaining. Their customer service is excellent as well; The first time I used Klarna I made a purchase from a company, but quickly cancelled the order. The company cancelled it, said I would be refunded within 3-5 days. I wasn’t confident they had begun my refund process by notifying Klarna, so I called Klarna on the 5th business day and found out the company had not notified Klarna. The rep actually called the company with me on the phone and she processed it. I received the email while I was still on the phone, Klarna was notified as well, and they refunded me by the 3rd business day. That was further confirmation that it was safe to use Klarna so I proceeded to make another purchase. I can’t wait to pay off my current purchases bc I already know what I’ll be getting next lol -
Love this app. It has helped me with so many things. Projects around house that was more than I could afford at the time. I have been using this for a year now ans never had a problem with it. Customer service is always quick to answer if you need help. I will continue using this as long as I can. Great app
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Slow responsive app at times..but pretty cool. Have finally decided to try this app after being offered a gift card. Altho, app is slow sometimes, its pretty damn great! Your payments are divided into affordable payments, it comes from your own card, and no interest, with the option to pay off early! I am pretty pleased. I just made my first payment so I am new to this but I'd definitely do it again. I didnt get my gift card after first purchase yet so hopefully customer service will help soon
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Terrible App! Very poor or almost no customer service
I have been buying stuff from TLF using Klarna. I agree that TLF has their own custom setup with Klarna that they only offer an agreement to pay it all in full after 30 days from the purchase date. I made all those payments in full before the due date. Today I try to create a Ghost Card for making purchase from one of the high end brands. Even if they were using my credit score for approval decision which I was told that they don’t, still I should be approved! Unfortunately, I was not approved. Later, I went to the payment methods via profile to make sure that my debit card and bank account information were on file and connected accurately. It showed everything connected perfectly. Just to give it one more try, I deleted all payment information and added it back. Now it won’t show any card or bank information in my profile. However, keeps picking my debit card when trying to create the ghost card. Very poor GUI and terrible screen flows. Definitely going to try the AfterPay and QuadPay.
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Was great while it worked
Update: I will update my original review stars but won’t delete my review as a reminder that it may also happen to others. As of now I’m able to shop again and create ghost cards, however, I am always apprehensive to update the app. I can’t give the app 1 star because I did have a good experience up until my first purchase was paid in full. This app was very easy to use and I was able to make multiple purchases both with the ghost card and with the stores that used Klarna as a payment method during checkout. I agree with others who say you never really know what to expect as your limit does seem to change on a daily basis. I tried to create a ghost card the same day that my first purchase was completely paid off and boom, denied and asked to try with another card. No thanks. I’m not sure if paying off triggered their automated system or it it was the update to the app but I have not been able to make a purchase since then. Moral of the story is it is great when it works but don’t become reliant on the app because you never know when you will no longer be able to get approved.
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First of all this app is very different and helpful, it's an online supermarket that combines all stores into one app, it's a very very good way of making a shopping app and I love it how the whole app works, theres just one huge problem with it and its speed, its extremely slow at loading websites to the point where its barely useable, sometimes they barely even load at all, but other than that I think it's a very good concept of an app
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Was once a great and convenient service but now all you get is "Something went wrong". In the beginning klarna would approve any one time card I created, and I've paid them all with no late fees, some I paid off before the end date. These days I can barely create 5 or more cards for purchases. Either there's a glitch or a cap. I've been forced to use QuadPay more than ever.
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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.
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Klarna used to be a great app and an alternative to shopping & use of credit cards. Unfortunately not sure if it has to do with the new update, but I can no longer be approved for minimal balances ($100 or less) even though I've had a great payment history and high limit available in the past. Would definitely be 5 stars though for easy to use and creation of ghost cards.
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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!!!!! -
Absolutely not worth it. I tried to make a purchase, the first payment went through with no issues I thought everything was fine but apparently not. With no notification my order was cancelled and a hold was put on the "one time card" you have to create in order to purchase. They said that it would take 5-7 business days for the transaction to show up when the hold was released. I think this is ridiculous especially when it told me the transaction was "approved" before.
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The idea of klarna is interesting. with every new purchase the app makes a new account, and it can't track the older purchases. And there is no way to bring them all in the app. I tried rebooting the app and reinstalling, it doesn't work. Also shopping through the app with Adidas won't work it does not connect with thier site. Eventually you rather go stone age manual way. It also does not track your order. I called your team were not helpful.
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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. -
This app isn't useful. Interface looks nice, but I no longer want to have this account. I contacted support in a chat through the app (which you have to do in order to have your account deleted). The person I spoke with was nice, but said the matter needed to be escalated and I would hear back from someone within two business days. It's been over a week now and no contact. I wrote again in the initial chat which was still open, and again no response. Shady practices like this make me wary
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Good to start but gone off the deep end
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. -
It has options but I don't like how the app keeps closing out every time I try to look at a item before buying it or before I purchase it. Can you please fix it? I would like to be able to shop on the app in peace without complications. I also don't like the fact that you are required to have the shipping address be the same as the billing address in order to complete your first purchase on the app. As long as the payments are still taken out for the purchase regardless, it shouldn't matter.
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This app used to be my fav
When I first downloaded this app 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 this app 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 this app 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 the app 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 this app from last year up into my last payment last week. I’m HIGHLY DISAPPOINTED WITH THIS APP 😭😭😭😭 -
What once was a good app has gone downhill. It's exceptionally slow and sluggish. No matter what you are trying to do, it's borderline unresponsive at times. Klarna has also began double charging your first payment. I can imagine what that does to someone who relies on this service, potentially overdrafting them until/if the second payment falls off days later. I can't recommend it, there's better in this space.
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I made one purchase of $200 which is how I even became aware of such apps that let you pay in increments. I was approved for my initial $200 purchase and made all of my payments with no issue. Once again I went to make an online purchase, not even thinking about using Klarna until I saw it was available as a payment option at checkout. It wouldn't let me and come to find out that many of the companies found on the klarna app itself does NOT ACCEPT it as a form of payment. Very aggravating.
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200% Trash.. Wish I could give it 0 stars
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DO NOT USE THIS APP! Their customer service and business practices are ridiculously bad. I made two purchases through their app, and have screenshots that show the purchases were made using their "one time use" credit card system. I was charged in both my Klarna account AND my personal bank account. I, like many of you, was dealt a blow to my income due to the pandemic. In using Klarna, the idea was to keep cash on hand. The charges overdrafted my bank account by $400! I contacted customer support via their website and Twitter and both are woefully slow to respond -- I get it, pandemic and all, things aren't easy. I did my best to be patient through all of this. I read some folks with similar issues had to wait around a month to get their money back. Here's the kicker: instead of keeping the charge on my Klarna account and getting the cash from the retailers to make up for their mistake, they marked the charges paid in my Klarna account and left me holding the bag for their technical issue. And they never told me they were doing that - unbelievable! Pay me the $400 your poorly built app screwed me out of at least!
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Used the app for over the last year... now all of sudden it won't accept me for anything... yet I'm financially better off.
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Takes me 26 seconds to get to the login page After I've logged in it takes me 24 seconds to get to the page that where I can pay my bills. If there is any other reason to use this app Klarna has not made a good case for it. For some reason the first page I get to after I log in is titled "Shopping". And then I get some ads for products that I didn't ask for, for some reason. This is not what I signed up for at the start, and it's not what I want now. Why Klarna thought that that is what I wanted is beyond me. Why the "Payments" functionality is hidden behind "My Klarna" is also beyond me. If I could disable every single other feature, I would. There is no other feature in this app I will ever find useful.
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This app is not working properly, you can add cards but you cant use them for purchases. It declines Capital One Credit Cards and Chime Bank Cards for down payments but youre able to make payments on other purchases with with the same cards. Also says that Klarna dosnt work with those banks, but again, they are good for payments. I put one card as primary but when I get to the end, it doesnt give me option to use primary. This app needs serious work. Customer service dont know much either
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Cant open the app since the last update 2 days ago
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App says you can do 1000 but when you go to pay it says different stuff. Then i try a payment for 600 now mind you i have 500 in the bank and get 450 every week but yet only approved for a one time card of 400 make no sense at all like i could have just used my cash for all that
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Horrible experience. No real customer service, only automated replies and no help with issues.
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Not what expected
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Klarna used to be a great app and an alternative to shopping & use of credit cards. Unfortunately not sure if it has to do with the new update, but I can no longer be approved for minimal balances ($100 or less) even though I've had a great payment history and high limit available in the past. Would definitely be 5 stars though for easy to use and creation of ghost cards.
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The idea of klarna is interesting. with every new purchase the app makes a new account, and it can't track the older purchases. And there is no way to bring them all in the app. I tried rebooting the app and reinstalling, it doesn't work. Also shopping through the app with Adidas won't work it does not connect with thier site. Eventually you rather go stone age manual way. It also does not track your order. I called your team were not helpful.
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It has options but I don't like how the app keeps closing out every time I try to look at a item before buying it or before I purchase it. Can you please fix it? I would like to be able to shop on the app in peace without complications. I also don't like the fact that you are required to have the shipping address be the same as the billing address in order to complete your first purchase on the app. As long as the payments are still taken out for the purchase regardless, it shouldn't matter.
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What once was a good app has gone downhill. It's exceptionally slow and sluggish. No matter what you are trying to do, it's borderline unresponsive at times. Klarna has also began double charging your first payment. I can imagine what that does to someone who relies on this service, potentially overdrafting them until/if the second payment falls off days later. I can't recommend it, there's better in this space.
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Total trash of an update. When I complete paying off something and then I try to go back into that purchase and click "more" it just brings up a balloon that says "something went wrong". This app is slow, and I always have issues with these updates. Updates are supposed to improve functionality, not reduce it.
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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.
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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!!!!! -
Absolutely not worth it. I tried to make a purchase, the first payment went through with no issues I thought everything was fine but apparently not. With no notification my order was cancelled and a hold was put on the "one time card" you have to create in order to purchase. They said that it would take 5-7 business days for the transaction to show up when the hold was released. I think this is ridiculous especially when it told me the transaction was "approved" before.
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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. -
This app isn't useful. Interface looks nice, but I no longer want to have this account. I contacted support in a chat through the app (which you have to do in order to have your account deleted). The person I spoke with was nice, but said the matter needed to be escalated and I would hear back from someone within two business days. It's been over a week now and no contact. I wrote again in the initial chat which was still open, and again no response. Shady practices like this make me wary
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Good to start but gone off the deep end
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. -
This app used to be my fav
When I first downloaded this app 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 this app 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 this app 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 the app 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 this app from last year up into my last payment last week. I’m HIGHLY DISAPPOINTED WITH THIS APP 😭😭😭😭 -
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. -
Where is the reminder? The owners of Klarna counts on you forgetting to pay your bill on time. This is how they make money. On all late fees. And to develop an app which does everything EXCEPT remind you to "pay or get a late fee", is outright criminal. If games can you send you messages on your screen that you should feed a creature, that energy has been filled, that an event has started or is finishing, then Klarna can send a message that it is high time to pay!
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Customer service is useless, because the CEO of Klarna is a computer.
I paid off my Klarna balance 2 weeks ago. I have a 0 dollar balance on the app 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! -
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.
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Release Notes
20.42.201
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