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see more about Klarna | Shop now. Pay later.
About Klarna | Shop now. Pay later.
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.
GET REWARDS FOR SHOPPING. Join Klarna's free rewards club and get rewarded for all your shopping. Join in the app and unlock a welcome reward after one complete payment.
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.
GET REWARDS FOR SHOPPING. Join Klarna's free rewards club and get rewarded for all your shopping. Join in the app and unlock a welcome reward after one complete payment.
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.
GET REWARDS FOR SHOPPING.
Join Klarna's free rewards club and get rewarded for all your shopping. Join in the app and unlock a welcome reward after one complete payment.
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.
GET REWARDS FOR SHOPPING.
Join Klarna's free rewards club and get rewarded for all your shopping. Join in the app and unlock a welcome reward after one complete payment.
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.
Write a Review
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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 -
Jan 25, 2021 I used to use Walmart layaway but our local Walmart stopped that program. I really thought I was out of luck for the holiday season as it's hard to buy for three kids. Four payments really makes it easier on families with a tight budget. Klarna was A lifesaver. You can basically buy from any major retailer. I'm so happy I found 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 -
Jan 15, 2021 Klarna is my favorite split 4 program! The app is so easy to use. Almost too easy! I like that my payments are right there for me to see, and it's easy to navigate to whatever information I may need. The great thing is that if there is a problem, customer service is so kind and considerate of your time and your feelings. Sometimes, there are hiccups (I was approved, I took something out,then I wasn't approved anymore), but it doesn't happen anymore luckily. A+!more -
Jan 22, 2021 Klarna is the very first app I'd ever heard of allowing you to buy now and pay later. I will always keep Klarna on my phone!
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Jan 24, 2021 Overall Fustrating!!! I can't understand for the life of me how I get to make 2 purchases totalling around $600.00, paid them both off with no problem. Now, want to make another purchase, and it keeps getting declined. There has to be more of a clear cut limit you have to spend, this will approve you this time and next time we won't, too unpredictable/wishy washy for me! I like to know what I have to spend, so if I had a critical item to purchase, I don't have to think approval or not!!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 -
Jan 21, 2021 Although this is a neat way to make payments for people that benefit from it ... I have had the worst experience im being over charged not knowing true balance .. I have called and dispute over phone customer service is very poor representative are polite but having resources to help and solve customers problems is a big fail ... I hope they refund me my money even if they don't never againmore -
This app used to be my fav
Jan 20, 2020 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 😭😭😭😭more -
Jan 24, 2021 Couldnt get the app to work properly when purchasing it kept saying my debits couldnt work even though a family member with the same bank got it to work just fine with no issue
No reviews available
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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 -
Jan 25, 2021 I used to use Walmart layaway but our local Walmart stopped that program. I really thought I was out of luck for the holiday season as it's hard to buy for three kids. Four payments really makes it easier on families with a tight budget. Klarna was A lifesaver. You can basically buy from any major retailer. I'm so happy I found 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 -
Jan 15, 2021 Klarna is my favorite split 4 program! The app is so easy to use. Almost too easy! I like that my payments are right there for me to see, and it's easy to navigate to whatever information I may need. The great thing is that if there is a problem, customer service is so kind and considerate of your time and your feelings. Sometimes, there are hiccups (I was approved, I took something out,then I wasn't approved anymore), but it doesn't happen anymore luckily. A+!more -
Jan 22, 2021 Klarna is the very first app I'd ever heard of allowing you to buy now and pay later. I will always keep Klarna on my phone!
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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 -
Jan 16, 2021 I have had nothing but great experirnce with Klarna...easy to use, and love all the stores that are open to me to shop. I know now, if I want something I can get without the worry of saving forever. I can just go to the store and order with low payments every two weeks that are affordable! Only problem is I cannot join the rewards program Vibes. I bring up the info but toliet to join is at bottom and it's like it's cut off..I click where I think it should be but all words are scrambled. Help@more -
Dec 31, 2020 Its pretty easy to use and I love the variety of placed you can use it online. I don't like however it only gives you 24 hours to use the virtual card. When trying to purchase a PS5 and was unsuccessful in securing one, the card said used and 0.00 charged, I still had to wait for my initial payment to be refunded and wait for the merchant to process my $0.00 charge. It makes no sense to wait for a $0.00 charge to release my funds back to my account which takes up to 5 days. Flexibility is great.more
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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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Jan 18, 2021 I was excited! Cute clothes, plus size and inexpensive. But in person everything looked different, the fabric was thin and they were almost all big. The variance makes me think their items are sized inconsistantly. The teddy, however, is perfect. Now I have to wait 2-3 months for them to process my return. My response to their reply: What good will contacting them do? It wont change the size, the style or the quality. But they did respond. You get what you pay for, sometimes.more -
Worked One Time
Dec 30, 2019 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.more
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Jan 24, 2021 Overall Fustrating!!! I can't understand for the life of me how I get to make 2 purchases totalling around $600.00, paid them both off with no problem. Now, want to make another purchase, and it keeps getting declined. There has to be more of a clear cut limit you have to spend, this will approve you this time and next time we won't, too unpredictable/wishy washy for me! I like to know what I have to spend, so if I had a critical item to purchase, I don't have to think approval or not!!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 -
Jan 21, 2021 Although this is a neat way to make payments for people that benefit from it ... I have had the worst experience im being over charged not knowing true balance .. I have called and dispute over phone customer service is very poor representative are polite but having resources to help and solve customers problems is a big fail ... I hope they refund me my money even if they don't never againmore -
This app used to be my fav
Jan 20, 2020 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 😭😭😭😭more -
Jan 24, 2021 Couldnt get the app to work properly when purchasing it kept saying my debits couldnt work even though a family member with the same bank got it to work just fine with no issue
What’s Groovy
I love this app. I am working on paying off my credit cards and don't want to add more to my balance. But there are some expensive things I want to buy. Klarna let's me do this and the process is SO EASY. Select how much I want to spend (to the penny), and spend it at the site of my desire. No interest..no credit check....automatic payments with my debit card. EASY! I signed up for their free rewards program which is a win win situation - free rewards just for using the app!! I LOVE KLARNA!
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What’s Subpar
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!!!!!
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Filter Reviews
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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. -
I used to use Walmart layaway but our local Walmart stopped that program. I really thought I was out of luck for the holiday season as it's hard to buy for three kids. Four payments really makes it easier on families with a tight budget. Klarna was A lifesaver. You can basically buy from any major retailer. I'm so happy I found it.
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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 💗💗💗 -
Klarna is my favorite split 4 program! The app is so easy to use. Almost too easy! I like that my payments are right there for me to see, and it's easy to navigate to whatever information I may need. The great thing is that if there is a problem, customer service is so kind and considerate of your time and your feelings. Sometimes, there are hiccups (I was approved, I took something out,then I wasn't approved anymore), but it doesn't happen anymore luckily. A+!
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Klarna is the very first app I'd ever heard of allowing you to buy now and pay later. I will always keep Klarna on my phone!
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This is an amazing app.works great in used a couple times on different apps. The pay card works great. Would 100 percent recommend.
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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. -
I have had nothing but great experirnce with Klarna...easy to use, and love all the stores that are open to me to shop. I know now, if I want something I can get without the worry of saving forever. I can just go to the store and order with low payments every two weeks that are affordable! Only problem is I cannot join the rewards program Vibes. I bring up the info but toliet to join is at bottom and it's like it's cut off..I click where I think it should be but all words are scrambled. Help@
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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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Life Saver
Since pandemic it's helped me tremendously in providing food for my pets
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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. -
I used to use Walmart layaway but our local Walmart stopped that program. I really thought I was out of luck for the holiday season as it's hard to buy for three kids. Four payments really makes it easier on families with a tight budget. Klarna was A lifesaver. You can basically buy from any major retailer. I'm so happy I found it.
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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 💗💗💗 -
Klarna is my favorite split 4 program! The app is so easy to use. Almost too easy! I like that my payments are right there for me to see, and it's easy to navigate to whatever information I may need. The great thing is that if there is a problem, customer service is so kind and considerate of your time and your feelings. Sometimes, there are hiccups (I was approved, I took something out,then I wasn't approved anymore), but it doesn't happen anymore luckily. A+!
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Klarna is the very first app I'd ever heard of allowing you to buy now and pay later. I will always keep Klarna on my phone!
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This is an amazing app.works great in used a couple times on different apps. The pay card works great. Would 100 percent recommend.
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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 -
Awesome app! My experience was just what I was hoping it would be. I bought a smartphone and chose to make 4 interest free payments, and it was simple and quick. I ended up paying of my balance early and that was even easier! Now I've purchased tires and instead chose the 6 months payment option with interest, and it was also smooth. I recommend this app for anyone who's financially responsible and can pay down the debt, if that's you then this app will not disappoint.
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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. -
I have had nothing but great experirnce with Klarna...easy to use, and love all the stores that are open to me to shop. I know now, if I want something I can get without the worry of saving forever. I can just go to the store and order with low payments every two weeks that are affordable! Only problem is I cannot join the rewards program Vibes. I bring up the info but toliet to join is at bottom and it's like it's cut off..I click where I think it should be but all words are scrambled. Help@
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Its pretty easy to use and I love the variety of placed you can use it online. I don't like however it only gives you 24 hours to use the virtual card. When trying to purchase a PS5 and was unsuccessful in securing one, the card said used and 0.00 charged, I still had to wait for my initial payment to be refunded and wait for the merchant to process my $0.00 charge. It makes no sense to wait for a $0.00 charge to release my funds back to my account which takes up to 5 days. Flexibility is great.
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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.
Filter Reviews
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Overall Fustrating!!! I can't understand for the life of me how I get to make 2 purchases totalling around $600.00, paid them both off with no problem. Now, want to make another purchase, and it keeps getting declined. There has to be more of a clear cut limit you have to spend, this will approve you this time and next time we won't, too unpredictable/wishy washy for me! I like to know what I have to spend, so if I had a critical item to purchase, I don't have to think approval or not!!
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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. -
Although this is a neat way to make payments for people that benefit from it ... I have had the worst experience im being over charged not knowing true balance .. I have called and dispute over phone customer service is very poor representative are polite but having resources to help and solve customers problems is a big fail ... I hope they refund me my money even if they don't never again
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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 😭😭😭😭 -
Couldnt get the app to work properly when purchasing it kept saying my debits couldnt work even though a family member with the same bank got it to work just fine with no issue
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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. -
If you deduct the first payment the minute you sign up for Klarna, I would suggest you put that instead of leading customers on. "Your first payment is collected when the order is shipped" is a blatant lie. You took my money before I even received a confirmation email for my purchase. If I'm not receiving my purchase until Feb 2-5, you will have collected 2 payments by that time. This will be my last interaction. The dishonesty is horrible.
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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! -
Worst Customer Service I have ever seen!
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. -
After I cleared a balance of over £200 and £400 of available credit it didn't approve a £20 order within it's own options and I never missed a payment. Well done Klarna, keep it up 👏 You had a 5 star review from me but I had to changed it. I guess I am back to my credit or debit card, this is just to much hassle for a £20 order.
No reviews available
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I was excited! Cute clothes, plus size and inexpensive. But in person everything looked different, the fabric was thin and they were almost all big. The variance makes me think their items are sized inconsistantly. The teddy, however, is perfect. Now I have to wait 2-3 months for them to process my return. My response to their reply: What good will contacting them do? It wont change the size, the style or the quality. But they did respond. You get what you pay for, sometimes.
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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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Overall Fustrating!!! I can't understand for the life of me how I get to make 2 purchases totalling around $600.00, paid them both off with no problem. Now, want to make another purchase, and it keeps getting declined. There has to be more of a clear cut limit you have to spend, this will approve you this time and next time we won't, too unpredictable/wishy washy for me! I like to know what I have to spend, so if I had a critical item to purchase, I don't have to think approval or not!!
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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. -
Although this is a neat way to make payments for people that benefit from it ... I have had the worst experience im being over charged not knowing true balance .. I have called and dispute over phone customer service is very poor representative are polite but having resources to help and solve customers problems is a big fail ... I hope they refund me my money even if they don't never again
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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 😭😭😭😭 -
Couldnt get the app to work properly when purchasing it kept saying my debits couldnt work even though a family member with the same bank got it to work just fine with no issue
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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. -
If you deduct the first payment the minute you sign up for Klarna, I would suggest you put that instead of leading customers on. "Your first payment is collected when the order is shipped" is a blatant lie. You took my money before I even received a confirmation email for my purchase. If I'm not receiving my purchase until Feb 2-5, you will have collected 2 payments by that time. This will be my last interaction. The dishonesty is horrible.
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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! -
Worst Customer Service I have ever seen!
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. -
After I cleared a balance of over £200 and £400 of available credit it didn't approve a £20 order within it's own options and I never missed a payment. Well done Klarna, keep it up 👏 You had a 5 star review from me but I had to changed it. I guess I am back to my credit or debit card, this is just to much hassle for a £20 order.
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