What Is a "Klarna" Charge on My Bank Statement?

A Klarna charge is one scheduled installment from a buy now, pay later purchase you made using Klarna. Klarna splits purchases into smaller payments over time.

Plain-English explanation

Klarna lets you split purchases into 4 equal payments (Pay in 4) or longer payment plans. Each installment triggers a charge from 'Klarna' on your bank or card statement. The first payment is usually taken at purchase; subsequent ones follow the schedule you agreed to.

Most common reasons this appears

• Scheduled Klarna 'Pay in 4' installment for a recent purchase
• Klarna monthly payment plan payment
• Late fee or rescheduled payment from a Klarna order

How to verify this charge

• Open the Klarna app and view your Orders and upcoming payments.
• Match the charge amount to a specific installment in your schedule.
• Contact Klarna support if a payment was taken incorrectly.

When to be concerned

• Charge taken after you fully paid off a Klarna order.
• Amount differs from your agreed installment amount.
• You don't recall any Klarna purchase at this retailer.

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