Your payments are automatically withdrawn from your connected card according to the agreed payment schedule, but you can make early payments anytime you wish.

To make a manual payment:

1. Go to My Klarna.
2. Tap Payments and navigate between the purchase/statement you would like to pay.
3. Tap Payment options and follow the instructions.

Good to know:

• Apple pay is also an available payment option in the app.
• Prepaid cards are not accepted. We accept all other major debit and credit cards.
• You can’t cancel a payment while the payment is processing.
• When paying your Financing statement be sure to pay the interest-saver amount to maintain the promotional terms of your Financing purchases.

Klarna does not approve 100% of all orders and our aim is to support responsible, ethical, and sensible spending habits.

We understand that it can be frustrating to be declined for purchase after being approved in the past. However, our approval process helps Klarna responsibly offer our services to our customers. Please understand that our Customer Service is not able to change the automated outcome of the approval decision.

Good to know:

• Each purchase is a new decision so one rejection does not mean that your future purchases will
always be declined.
• A rejection does not negatively impact your credit score.
• Attempting too many purchases in a short amount of time may result in being rejected (fraud
prevention).
• The approval decision is not based solely on credit score, but rather multiple internal data points
such as past payment history.

It depends on the payment method or service you choose because we perform different types of searches to check your financial standing.

Klarna performs a soft credit check which does not affect your credit score and will not be visible to other lenders when:

• Deciding to Pay in 4
• Preferring to Pay in 30 days
• Use Monthly financing

A hard credit check is performed, which is reported to the credit bureaus and will show up as an inquiry on your credit report, when applying for Klarna Financing Account.

Our Financing option is offered in partnership with FDIC member WebBank. Credit checks are performed by Transunion and Experian.

If your payment plan is approved, but for a higher first installment instead of 4 equal payments, it is because the order amount exceeded your purchase power. Purchase power is the estimated amount available to spend using Klarna’s pay later products. Your spending limit and any outstanding balances are factored into the purchase power amount.

Good to know: our customer service is not able to increase your spending limit nor has further information about the automated purchase power assessment.

What next?

• If you would prefer a payment plan of 4 equal payments always ensure the total order amount is within your purchase power.
• If the order amount exceeds either your spending limit, or the estimated purchase power, and you are offered an adjusted payment plan with a higher first installment amount – accept the offer in the checkout.