To be eligible to use Klarna, you must:

• Be a resident of the United States or its territories
• Be at least 18
• Have a valid card/bank account
• Have a positive credit history
• Be able to receive verification codes via text

Klarna currently accepts most debit and credit cards (i.e., Mastercard, Visa, Discover, American Express), as well as checking accounts for ACH payments. Please note, prepaid cards are not accepted.

Follow the store’s return instructions. Then, let Klarna know which items you have returned by reporting a return:

• In the Klarna app, go to Orders
• Select the purchase, or the items, you wish to return
• Tap Report return

Heads up, if you later wish to return more items than you initially reported in the app, be sure to let the store know so your order details can be updated.

Yes. If you want to pay the next payment or full balance of your payment plan early, simply log into the Klarna app, go to the “Purchases” tab, and select “Payment Options.”

Klarna will email you if your payment is unsuccessful, and try one or more times to collect it. If they can’t collect it, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value at the time of purchase.

Your credit score will not be impacted when you use Klarna payment products.