# Klarna Reviews 2026. Verified Reviews, Pros & Cons | Capterra

> Is Klarna the right Payment Processing solution for you? Explore 94 verified user reviews from people in industries like yours to make a confident choice.

Source: https://www.capterra.com/p/230509/Klarna/reviews

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Klarna

3.6 (94)

[View alternatives](https://www.capterra.com/p/230509/Klarna/alternatives/)

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/)

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Last updated March 30th, 2026

# Reviews of Klarna

Ease of use

3.9

Customer Service

3.3

## Pros and Cons in Reviews

DG

Damian G

CTOComputer Software, Self-employedUsed the software for: Less than 6 months.

“I like how seamless the checkout integration is for my clients stores.“

March 28, 2026

BS

Bill S

Owner PresidentConsumer Services, 11 - 50 employeesUsed the software for: 6-12 months.

“Can’t sign in can’t get to chat with anybody your phone there and they can’t help me so don’t waste your time calling there and you can’t even delete the app because you have to be able to sign in which you can’t sign in.“

April 26, 2025

CM

Cameron M

ManagerFood Production, 11 - 50 employeesUsed the software for: More than 2 years.

“What I liked most about Klarna at the time were the options versus other apps, Klarna had more stores available.“

June 25, 2025

MC

Martin C

CEOConstruction, Self-employedUsed the software for: 6-12 months.

“They are dragging out procedures to avoid refunding amounts in dispute following potential fraud with Agoda.“

April 27, 2025

AC

Ashley C

Commercial AdvisorOil & Energy, 501 - 1,000 employeesUsed the software for: 1-2 years.

“Many retailers offer promotions via Klarna and I like the option to pay for the entire purchase at once as well.“

January 9, 2025

BS

Bill S

Owner PresidentConsumer Services, 11 - 50 employeesUsed the software for: 6-12 months.

“Can’t sign in keep sending me to text numbers to continue.“

April 26, 2025

HW

Hannah W

Tax AccountantAccounting, 2 - 10 employeesUsed the software for: 6-12 months.

“Klarna is a great way to shop securely and space out payments!“

January 21, 2026

JD

Julie D

DispatcherTransportation/Trucking/Railroad, 201 - 500 employeesUsed the software for: 1-2 years.

“So Walmart was having a glitch on their app, and Klarna is punishing me for it.“

April 8, 2025

## Showing most helpful reviews

Showing 1-25 of 94 Reviews

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Most Helpful

Rating

Company Size

Reviewer's Role

Length of Use

Frequency of Use

cynthia R.  
Clinician  
Public Relations and Communications  
Used the software for: 2+ years

### "Satisfied customer "

March 19, 2026

5.0

I use Klarna all the time and am always satisfied. I have made the best memories thanks to Klarna's pay later

Pros

Klarna allows me to make purchases for bigger items and pay them slowly. It allows me to expand on my credit also.

Cons

I don't always like the extra fees but it completely makes sense since they are basically letting you borrow money.

Review Source

JA

James A.  
CEO  
Sports  
Used the software for: 2+ years

### "Klarna Is One of the Best"

April 10, 2025

4.0

Very pleased with Klarna. Easy to use and can receive immediate acceptance on payment options.

Pros

Variety of ecommerce sites that accept Klarna.

Cons

Short repayment options, looking for lower payments over a longer period.

Alternatives considered

[Affirm](https://www.capterra.com/p/218694/Affirm/)

Reason for choosing Klarna

Used in conjunction with Affirm. Like how Klarna is available on many ecommerce websites.

Review Source

JD

Julie D.  
Dispatcher  
Transportation/Trucking/Railroad  
Used the software for: 1-2 years

### "ADVISE TO STAY AWAY-TO AVOID STRESS"

April 8, 2025

1.0

Horrible customer service is useless and there pretty much is no customer service. They will just keep repeating that it's computer generated.

Pros

Nothing it was overall stressful experience.

Cons

Worst app ever. They will punish you for an app that you trying to purchase from, having a glitch, then they put your purchase power down and make you pay more upfront, instead of 4 equal payments. Even though, you have never had issues making payments, and shop with them a lot, they don't care. They don't value their customers or their satisfaction at all. Customer service is useless, sorry but they are, always overseas representatives, who can do absolutely nothing to help you with your issues. Asked to speak to a manager over a month ago, and still have not heard back. Tried purchasing from Walmart, Walmart has a your message saying the time of delivery alot was taken, so it forced me to go back and checkout again. They charged my card twice, I got my money back though from Walmart, Walmart is great, but Klarna now is punishing me, put my purchase power down and makes me pay almost 3/4 of the amount of purchase upfront. Kind of defeats the purpose of the Klarna app doesn't it. So Walmart was having a glitch on their app, and Klarna is punishing me for it. Will never use this stupid app again, will pay what I owe and then never use them again. This is not worth the stress.

Review Source

AS

ALFREDO S.  
LEAD  
Wholesale  
Used the software for: 1-2 years

### "HAPPY USING KLARNA"

March 23, 2026

5.0

The payment processing is great and understanding. The interest is super low, much lower than a credit card. cybersecurity super important.

Pros

I like the app on my phone, super easy to use, excellent customer service. I love that it has payment methods and makes it easy to do your shopping.

Cons

I like everything, I can't say anything negative. Delighted with the system and the customer service.

Review Source

RD

Robert D.  
Ceo  
Recreational Facilities and Services  
Used the software for: 1-2 years

### "Klarna is Great"

October 27, 2025

5.0

My overall experience with Klarna is great it has helped me purchase things on a budget with the option to choose payment dates to help fit my finances

Pros

I like that you can use Klarna almost as a credit card, if you need to purchase something and don’t want to pay in full you can choose a payment plan to help suite your finances, it is very easy to use it explains everything right on screen, the payment processing is quick and easy process, you can subscribe to get a hard copy of the Klarna card where you can use as a debit or kind of like a credit card, you can plan a purchase and use the card at any store that it’s accepted it took me a couple minutes to learn how this app works, and customer support is great I haven’t really had any problems since using the app, the advertising they do to help you purchase from company’s that support the app is great they offer cash back and some discounts also & they offer to reschedule a payment if you can’t make it at the selected date this is a great app i haven’t had a problem yet, 10/10 service

Cons

There’s not many cons I really experienced on this app yet it all seems reasonable and a very helpful tool to use to balance out finances for big purchases

Review Source

MC

Martin C.  
CEO  
Construction  
Used the software for: 6-12 months

### "Worst and worst"

April 27, 2025

1.0

They are dragging out procedures to avoid refunding amounts in dispute following potential fraud with Agoda. This is the third email I've received asking for an explanation after explaining everything in a previous email and a phone call. It's over for me, and be careful in the future with companies like Klarna.

Pros

I have used Klarna several times because I found their service useful. I have never had any problems until now except...

Cons

Except now, this is where we see the real service when problems arise. I understand that Klarna is not Agoda, the company I dealt with, BUT if there was fraud, or whatever the problem, Klarna must protect me and make sure to give me service. They solved the first problem with Agoda and for the 2nd, it is very complicated and yet ...

Switched from

[Sezzle](https://www.capterra.com/p/195895/Sezzle/)

Because you do not have a customer and claim service very high value. Any dispute is a mess

Review Source

TA

Torus A.  
Human being who just wants to shop without having to plug in a dumb code to access my cards  
Utilities  
Used the software for: Less than 6 months

### "Boo thumbs down "

May 22, 2025

1.0

Really pissed off that we have no choice but to add another stupid code in to remember when I only use the app to store cards. If I was using this app to make purchases it would make sense. But I do not and never will so having me need a code to sign in is a dumb waste of my time.

Pros

I liked that it stored my shopping cards in one spot easily accessible and could open it quickly and efficiently in the store to earn my points

Cons

That it required me to put in a “security code” to sign in and slows down my process at the till and

Switched from

[UKG Wallet](https://www.capterra.com/p/276816/UKG-Wallet/)

Because I was forced to. Also this review process makes this app even worse

Review Source

EJ

Ethan J.  
Auditor  
Accounting  
Used the software for: 6-12 months

### "Klarna - Cash flow enhancer"

February 28, 2026

4.0

Overall my experience with Klarna has been very positive, allowing me to enhance my cash flow and manage payments.

Pros

Klarna allows for enhanced cash flow management and excellent payment processing and management. Klarna additionally has easily contactable customer support.

Cons

Klarna when used within businesses allows for better cash flow management, however when used with individuals it takes advantage of their debts.

Review Source

HW

Hannah W.  
Tax Accountant  
Accounting  
Used the software for: 6-12 months

### "Great product"

January 21, 2026

5.0

My overall experience with Klarna has been great! It makes me feel secure when shopping and I love how easy it is to use!

Pros

Klarna is a great way to shop securely and space out payments! It is easy to use and I have never had any issues with it!

Cons

Klarna is problem free! I never experience issues using it and I would recommend it over all other products like it.

Review Source

ALEXANDER G.  
Owner head photographer  
Photography  
Used the software for: Less than 6 months

### "Klarna at your side "

March 18, 2026

4.0

Pros

Well Klarna has been a great option for me on many occasions. The availability is always going to be the best part

Cons

I have not had many things that I can criticize Klarna about. It’s always been a great option on many occasions

Review Source

Davide F.  
Tecnico Informatico  
Public Policy  
Used the software for: 2+ years

### "Fraziona le tue spese"

March 6, 2026

5.0

Uso Klarna da circa due anni e onestamente è diventata una di quelle app che apro quasi ogni settimana. Il motivo principale? Le 3 rate senza interessi. Quando vedo qualcosa che voglio, invece di svuotare il conto in un colpo, pago 60€ ora e 60€ tra un mese e il resto dopo due mesi. Psicologicamente fa un'enorme differenza — non è debito, è flusso di cassa personale. La One-Time Card è la feature che uso di più: genero una carta virtuale al volo, la uso su qualsiasi sito, e Klarna copre il pagamento. Ho comprato su store che non supportano Klarna nativamente e funziona lo stesso. L'unica volta che mi sono innervosito è stata con un reso complicato: il venditore era lento, Klarna continuava a mandarmi reminder di pagamento e il supporto via chat ci ha messo qualche giorno a bloccare la rata. Alla fine si è risolto, ma lì ho capito che Klarna non è una banca tradizionale con tutele forti — sei in parte esposto alla qualità del venditore. In sintesi: se sei organizzato, sai quello che spendi e usi le rate come strumento e non come stampella, Klarna è uno strumento potente. Se invece tendi a perdere il controllo della spesa, il rischio è che ti ritrovi con 4-5 piani di pagamento aperti e un mal di testa mensile.

Pros

1- Pagamento senza interessi in 3 rate: è la funzionalità distintiva di Klarna e l'applicazione è davvero ben fatta per gestirli come e quando vuoi, con la possibilità di spostarle le rate o pagarle in anticipo se vuoi 2- Puoi creare Carte usa e getta (virtuale), questo aumenta la sicurezza 3- Convenzioni/sconti di tantissimi partner e possibilità di cashback, che può essere messo anche nel "salvadanaio" che ti permette di generare rendimenti; Il prodotto che stai restituendo può essere segnalato a Klarna tramite l'app, che sospenderà il pagamento fino alla ricezione del reso. Klarna ha una politica di protezione antifrode zero; eventuali addebiti non autorizzati possono essere elaborati tramite questo programma. 4-L'app include una funzionalità per il tracciamento integrato della spedizione, infatti puoi ricevere aggiornamenti in tempo reale sulle consegne, sugli orari di arrivo e sulle foto del ritiro tutto nella stessa app di klarna

Cons

1\. Servizio clienti lento e frustrante Nonostante il passaggio a un modello ibrido AI + umano, il servizio clienti resta lento e difficile da contattare, infatti i tempi per risolvere problemi urgenti possono essere di diversi giorni e non sempre riesci a risolvere il problema, spero che possono migliorare su questo. Per il resto, è ottima

Review Source

VH

Vanessa H.  
Hoffmann  
Health, Wellness and Fitness  
Used the software for: 1-2 years

### "Klarna unterstützt Betrug durch Händler"

April 8, 2025

1.0

Klarna will Geld von mir, anstatt es von dem betrügerischen Händler einzufordern. Seit 4 Monaten telefoniere ich mit Klarna! Werde nur vertröstet und schlussendlich soll ich für Ware bezahlen, die ich nie bekommen habe oder sogar mit Beleg der Spedition zurück gesendet habe! Klarna interessiert sich nicht für Recht (hat für solche Fälle nicht mal eine Rechtsabteilung) Fordert das Geld vom Kunden obwohl Klarna genau weiß, dass die Machenschaften von z.b. Sklum betrügerisch sind! Ich habe Ihnen inzwischen x Emails an Sklum geschrieben - keine Reaktion. Ich habe im November eine Liege, einen Tisch, 2 Lampen und einen Aufbewahrungstisch bestellt und über Klarna bezahlt. Die Liege habe ich NIE erhalten. Nach x Telefonaten mit Klarna und x versuchen mit Sklum Kontakt aufzunehmen hat Sklum Klarna gegenüber meine "Beschwerde des Nichterhaltens" akzeptiert aber 156€ in Rechnung gestellt. Klarna hat sich null gekümmert und mir mitgeteilt ich müsse jetzt bezahlen, damit ihre Rechtsabteilung sich darum kümmern könne. Also habe ich 156 bezahlt für nichts! Klarna hat sich um nichts gekümmert!!! das Geld ist weg und Sklum reagiert nicht. Die bestellten Lampen waren nicht schön und der Aufbewahrungstisch kaputt,(beides kam an) Am 14.1 habe ich ALLES außer den Beistelltisch zurück gesendet- die Spediton Bavarian hat mit der Abholnummer bestätigt dass Sklum die Ware erhalten hat!!!! Sklum meldet dies aber nicht an Klarna und Klarna kümmert sich wieder nicht darum! Ich habe inzwischen 13 mal mit Klarna telefoniert. Und nun erhalte ich Mahnungen für zurück gesendete Artikel worüber Klarna auch noch die Abholnummer und Spediton vorliegt. Nur weil Klarna sich nicht mit Sklum auseinander setzen will! Ich kann nur sagen es ist absoluter Betrug von Sklum!!! Und nach Rücksprache mit der Spedition und dem Verbraucherschutz bin ich nicht der einzige Fall! Finger weg von Sklum und tatsächlich auch Finger weg von Klarna. Das ist kein Kauf auf Rechnung - Klarna hilft den Käufern überhaupt nicht. Macht nur noch mehr Druck anstatt zu helfen. Ich zahle keinen Cent mehr und schalte meinen Anwalt ein.

Pros

Nichts mehr - nach 4 Monaten Telefonaten und leeren Versprechungen

Cons

Verlangt Geld vom Kunden obwohl Klarna weiß dass der Händler betrügt!

Review Source

MV

MAYCOLL V.  
COACH ONLINE  
Health, Wellness and Fitness  
Used the software for: 6-12 months

### "EFICAZ Y RAPIDA APLICACION PARA DIVIDIR LOS PAGOS DE LAS COMPRAS "

April 13, 2025

5.0

EN GENERAL FACIL DE UTILIZAR; ES RAPIDO EL PROCESO DE COMPRA Y SEGURO

Pros

LA APLICACION ES EXCELENTE PARA DIVIDIR LOS PAGOS DE LAS COMPRAS QUE HAGAS; HAY VARIEDAD DE TIENDAS ALIADAS Y ES MUY FACIL UTILIZARLA

Cons

NO ME GUSTA QUE SOLO SE PUEDA DIVIDIR SOLO EN 3 CUOTAS; ESTARIA GENIAL QUE SE PUDIERA DIVIDIR EN DIFERENTES TIEMPOS

Review Source

TV

Thomas V.  
Zaakvoerder  
Management Consulting  
Used the software for: Less than 6 months

### "Klarna laat mij bewust niet betalen "

November 2, 2024

1.0

In augustus wenste ik een bestelling te plaatsen op H&M en bancontact werkte niet... Ik heb dus beroep moeten doen op Klarna... 5 dagen later kreeg ik een leveringsbevestiging van H&M en een link waarop de openstaande betalingen staan... Via deze link zag ik dat er geen betaling meer open stond van Klarna, tot daar mijn fout, ik ging er toen vanuit dat mijn vrienden de factuur betaald had, ik vertrouwde op de verkeerde informatie van H&M... Sindsdien heb ik geen communicatie meer ontvangen. Niet van H&M , niet van Klarna, tot een tweede herinneringsbrief die ik opende op 29 oktober... Daarin staat dat ik nog moet betalen en 15€ herinneringskosten moet betalen. Op die herinnering staat geen rekeningnummer, ook via de link van Klarna vind ik geen enkele manier om te betalen... Ik heb contact opgenomen met H&M (4 keer via facebook messenger (geen antwoord) en Instagram (wel antwoord)... Die verwijzen me door naar Klarna en zeiden dat de info van H&M inderdaad verkeerd is, maar dat dit kan gebeuren, maar het is mijn verantwoordelijkheid... Naar Klarna kan je niet bellen dus daar zit ik ondertussen aan Chat 5... Daar kan ik echter op geen enkele manier mijn schuld vereffenen ook al wil ik dat omdat het dossier bij een incassobureau zit??? Ik wens dan ook een klacht neer te leggen bij Klarna zelf, maar dat gaat ook niet... Ik wens gewoon te betalen. Het incassobureau heb ik zelf ook al 4 keer gebeld, maar die hebben het ook te druk. Ook mijn twee mails blijven onbeantwoord. Ik wens gewoon mijn factuur te betalen, maar Klarna is blijkbaar niet in staat om zijn eigen afspraken na te komen...

Pros

Het grootste pluspunt is dat Klarna op niets trekt

Cons

Ik wens mijn achterstallige factuur te betalen maar ze doen er alles aan om dat te voorkomen om extra kosten aan te kunnen rekenen

Review Source

KM

Kendall M.  
Owner  
Retail  
Used the software for: 1-2 years

### "Klarna for the win!"

November 22, 2024

5.0

Pros

It is a very helpful product. I use it for many of my everyday purchases.

Cons

Nothing, I believe it is perfect for those who are on a budget and need flexibilty.

Review Source

CP

Charlie P.  
Clinical Effectiveness facilitator  
Health, Wellness and Fitness  
Used the software for: Less than 6 months

### "Great to use if you know you can pay back easily - dont get trapped into ordering more than you can afford. "

February 21, 2025

3.0

Easy to use and recommend if you know you can easily pay off the money. But I do think people need to be careful about splitting payments if its not necessary as it does affect credit.

Pros

Really easy to use and available on alot of shopping experiences. Enables you to pay when you cant afford.

Cons

Negatively affects your credit score, easy to get into debt without realising.

Review Source

MP

Marko P.  
Photographer  
Photography  
Used the software for: Less than 6 months

### "Klarna review "

November 15, 2024

4.0

My overall experience with klarna was positive but not show stopping compared to its rivals

Pros

What I liked most about Klarna is the payment plans and integration with multiple payment platforms

Cons

What I liked least about klarna is its instability when connecting to banks

Review Source

JW

Jordyn W.  
Student Trainer  
Retail  
Used the software for: Less than 6 months

### "A Must Need for Shoppers"

February 9, 2023

5.0

Overall, I've had a great experience with Klarna, and it's made paying off larger expenses easier without worrying about interest.

Pros

I like that there is no interest; I can slowly pay off large purchases with four payments every other week without worrying about it affecting my credit or adding up. In addition, Klarna allows you to extend your payment if you cannot afford it at the next payment date. The app will enable you to shop through brands that use Klarna, which takes care of the hassle of making sure a brand uses Klarna.

Cons

I don't like that this option is not used for a lot of brands and online stores, however, it is becoming popular.

Review Source

SS

Suvarna S.  
Analyst  
Information Technology and Services  
Used the software for: 6-12 months

### "Nice Online Shopping Shop"

March 3, 2022

3.0

Overall I really enjoy shopping with Klarna and rewards from them

Pros

\-Klarna is best when you are low on credit and wanted to pay less for the first time . -Klarna gives option to pay in 4 installment -It has good rewards options for first time Users -Easy to track order and hassle free returns -One time cards feature for each shopping apps which is used for payment , so ex: one has to create Amazon one time card for shopping on Amazon . Once you go to Amazon through Klarna then at checkout it will auto populate the one time card. - Pay in Store option if you are in store and like something and don’t have your credit card/debit card then pay with Klarna which is safe and secure -Klarna tied up with many shopping apps and other branded retail stores which gives you choice for shopping

Cons

Only thing which I hate is the payment method doesn’t show any option for Paypal. I hope they will bring it soon as nowadays people use PayPal frequently for payments

Review Source

SS

Shana S.  
Property Manager  
Real Estate  
Used the software for: 2+ years

### "Klarna is a nice thing to have!"

April 1, 2024

5.0

Pros

I've enjoyed the privilege of being able to pay for my items over time using Klarna. It is easy to use and great for helping with larger purchases.

Cons

There is nothing for me to complain about.

Review Source

HS

Henrik S.  
QA Manager  
Food Production  
Used the software for: 2+ years

### "Secure payments within a few steps."

November 15, 2022

4.0

A very functional tool that feels safe to use.

Pros

Fast and easy way of making payments from online sites. If a website uses Klarna, it makes me more safe to make a payment.

Cons

Advertisement in the app is somewhat taking down the experience.

Review Source

MF

Margarette F.  
center director  
Education Management  
Used the software for: 2+ years

### "Klarna is amazing!"

March 22, 2022

5.0

My overall experience has been wonderful.

Pros

Klarna is by far my favorite of the "quad payment" apps. The transactions have always processed very smoothly, and when a vendor did not ship me the items I was supposed to receive, they 100% took care of me, and the problem! I have nothing but good things to say about this company.

Cons

The only thing I can think that I would like to change is being able to use this app through its website, rather than having to log in through my phone app.

Review Source

CJ

Christopher J.  
Ceo  
Music  
Used the software for: 1-2 years

### "Klarna Helps!"

December 4, 2023

5.0

Pros

I like I can do payments and pay overtime

Cons

Klarna really does the job. there is a late fee but its very fair

Review Source

sB

stacey B.  
service writer  
Transportation/Trucking/Railroad  
Used the software for: 2+ years

### "Great functionality and ease of use"

December 7, 2022

5.0

I love shopping with klarns. it's easy to use and super convenient

Pros

I love that i can finance everyday items when im in a pinch

Cons

Sometimes i don't get accepted even though i made my payments

Review Source

KC

Kimberly C.  
Regional sales Manager- West  
Industrial Automation  
Used the software for: Less than 6 months

### "Klarna made shopping so much easier for me!"

November 30, 2023

5.0

Awesome and easy. I will be using again for Christmas shopping!

Pros

Klarna allowed me to buy all my work clothes all at once and pay for them in 4 smaller payments which was very nice.

Cons

Nothing. It was super easy to use and they deduct the payment automatically.

Review Source

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