Klarna AB Review

Дуже шкодую, що не можна поставити мінус 5 зірок!!! Замовила товар на ціну 3,5 євро, а через 3 місяці прийшов рахунок з відсотками за кожен місяць, а у випадку невчасного платежу відсотки рахують як у космосі і в кінечному результаті до оплати 33 євро... Таке відчуття, що товар дешевий, а збагачуються на здирництві. Жалкую, що перед тим, як зв'язатися з цими шахраями, не було розуму почитати спочатку ці жахливі відгуки.
НЕ РЕКОМЕНДУЮ !!!
ЦЕ ПРОСТО ЖАХІТТЯ!!!

Klarna ile hesabımdan para çekildi. Fakat klarna'da hala başarısız ödeme yazıyor. Bunun düzeltilmesini istiyorum. Güvenilir değil.

СТОП МОШЕННИКИ!!! Я хотел заказать планшет в Kaufland через Klärung, перевёл моментально 170€ тут же на странице Kaufland что покупка прервана, у klarna стоит автоматическое отмена платежа, но деньги у меня ушли !!!!! Звонил в обслуживание клиентов помощи 0. Короче пытаюсь вернуть деньги. Потом дополню.
Добавляю!!! Деньги через 10 дней вернули!!!

Want to inform us: Some of Klarnas alternatives, for example, "Share your 6 month free interest rate" does not mean what they claim! In my very fresh case, you added 29: - / payment date, despite account invoice by mail! The total amount paid to Klarna is equivalent to almost 2% above the purchase price! In addition, no information was received about the additional fees until it was delayed and Klarna had already "confirmed" the terms of "buy 6 months interest-free"!
If it appears somewhere there I did not find it, it means that you are not so keen that customers should see it.

Terrible dealer service. Waiting for an activation for several days ....

Horrible customer service. We wait since days for our clearing.

Amazing payments company. Great place to work as well.

Ive exactly the some issue as Patrik explaining in the reviews here: I have Klarna Business for my company. They hold onto my customers money. Months of mail contact and exactly nothing happens. Might contact Police soon.

Always service friendly. Sets up on repayments at the expense of the supplier.
Easy to get in touch with. RECOMMEND

Total disappointment! The employees send text modules and apparently do not care about the customer's request to edit individually.

Unbelievable how incompetent that arrives at the customer. Have experienced a lot of bad service but, Klarna breaks all records for that matter. Thank you! I will never use your "service" again!

WORST CUSTOMER SERVICE ever!
My order was cancelled but in 2 months Klarna was not able to pay me back (for another bill which I paid 1 day after due date they send me a new bill for 1,20 ) after contacting Customer Service (Online Chat as there is no other way to contact them!) and waiting 8 Min in the chat, the person asked me 3 times my personal data instead of reading the chat and finding all the informations that I had already provided . In the end they could not help me via the chat and said someone would contact me later, was is not happening and I still didn t receive my Money back (should I also request a demand note? :P )

Pretty discreet on how they communicate. A lot of pop-ups that come up after a purchase that are confusing which make you accidentally click on it and there is no way back of paying extra fees for no reason. I wasted more money on their fees than having a good customer experience.

Terribly awful system. Trying to make a payment on 'stuff' from Apotea. Receives an e-mail, including info about the division of the invoice. I want to pay by the due date. Feel this is a scam.
Stig Olov Larsson

What a scam and joke of a company. Making money by hiding information, fees and basically makeing it hard to pay so they can charge you fees for being late. This company should be reported to the finance authority asap.

I made an order and i cancelled them but i dont know why they keep sending me bills to pay

Always helpful, always understanding. No problem moving a payment forward, even if you missed the payment by a day.
For many years I have been doing the main thing of my Swedish purchases with Klarna and have never had any problems with them.

Such methods don't work at all. Customer service does not respond to requests at all. They always just want money. Reminder fees are charged for goods that have not been shipped.

DO NOT PAY ANYTHING AT KLARNA! If you have problems with the payment, the money recovery has been really difficult. In addition, it will take even weeks, and is forced to use their own time to several hours. I myself fell down payment and contact the customer service was not enough, but I had to use Klarna chat with the transactions in question did not exist. Fortunately, found an old event, through which I was able to chat. The bank receipt was not valid immediately but I had to wait several days and provide additional information

That it takes 7 days for a refund according to the automatic email I received
seems strange when it took a few seconds for my payment ... Transaction
was via Mastercard.

Klarna is by far the worst payment service I encountered.
Will always be wrong when you pay with Klarna.

Just returned a little early Christmas gift. The Christmas gift was bought at Clas Ohlson's online store and I left back over the counter at Clas Ohlson.

The cashier announced that the return was ready and the money was refunded. I stood as a question mark. - "Refunded? - To the one who bought me the Christmas gift - the one I absolutely would not find out I returned it?".

Neither Clas Ohlson nor Klarna could help me. Extremely bad!

Completely useless customer service and rogue support that is not on par with any other payment service

Completely horrible handling of "my" problem by Klarna. Bought a pair of glasses online shop and chose to pay with mastercard / debit card to avoid the infamous Klarna invoice solution. The purchase was completed, money was withdrawn from the account. The item came. No wonder so far until a Klarna invoice comes anyway! They want to be paid twice, apparently .... I required from now to prove I paid by card. They demand extensive documentation after two contacts with my bank (master card issuer) is still not Klarna requirements for approved documents.

This information I have served to Klarna: exact time of purchase, all information of the master card, excerpt from the account with reference number for the transaction. But that is not enough - they require more. New deadline was set when I had to deliver info about recipient account etc. So Klarna demands that I continue to work for them. Go to my bank's special department to request even more details about the transaction because Klarna is unable to do what is the very basis of their assignment - to identify incoming payment against an order.

So - another case on the way to KO against Klarna

Booked reflection for a company car. Clearly it automatically pulls on me privately. Will take more time to get the right one what it is worth fixing. So once again you feel cheated.

Worst company I've experienced in finance / payment / credit since ancient times. GREAT WARNING for anyone who is thinking of "paying easy" with these guys, LET GET!

Took kredituplysning me just to check what services they can offer me. My only service is to pay my DN subscription via them and I pay it at one time, no installments ......

Like that you can get home the goods and then pay easily in their app. And freeze the payment if you don't get their goods.
Never had any problems with clarity.

Slow support, "chat" replies took 6-10 minutes per reply. Their "direct" payments usually doesn't work so the payment gets delayed in either way and fees has to be paid and you are advised to use the bank purchase method to them. Might as well just use the bank method from the start as that's both cheaper and faster.

Personally, I have never had problems with them, everything was perfect, I can't complain, no 2 minutes on hold

Worst payment solution for both companies and individuals, smooth payments NOT !!!!!

Since 25.01.2018 I wait for my SEK 990, today we have on 13.02.2018. Seems that my money is gone.So it will be a police call tomorrow.I never pay more over the clear, such a shit company!

Good service if you have questions about payment of bills etc.

Payment with Klarna fails, but they place several preliminary payments on the amount. Customer service says they will keep my money for about 3 days and nothing can be done. They even have the guts to say that I should try with more transfers from other browsers so they can "borrow" even more money from me. Totally unethical, I do not want to be bank for several days for Klarna. Ashamed!

Nice response when calling, and really helpful in payment plans! Real savior in need! Thank you in a thousand!

Credit information also takes place if you pay by bank card and pay directly. What is Klarna doing with my other economy ????

Klarna payment methods are confusing and not transparent. If you don't pay manually even the agreement is set to automatic payment (recurring payments) you will get a SEK60 =$7 fee for every invoice they remind you of.

I also tried to enroll Klarna as payment exchange for my own business but the fees they charge merchants are the highest.

Used Klarna for several years and has always worked flawlessly. Easy payments, be able to pay whenever I want. However, have not tried the division of payment, but pay directly and the 14-day invoice has been brilliant. Even when in contact with customer service, it works great. So I'm a little surprised by all the bad comments here. In any case, I only have good experiences with Klarna.

Really slow chat to respond. Time estimate is not correct. If you are not there they when they come after 3 hours they close the chat.

Sweden's worst customer service, can not answer a simple question!?!?

When they ask for a while, why they can not pay directly and they say something wrong and promise that it will not change the business economically, then the second hour will receive an invoice with an invoice fee and about 225% interest. Then you will be very happy. Then you have to argue for 2 hours why they should remove at least interest ...

So bad system and rogue employees. So disappointed in the verdict.

Besides all the other complaints here they're also the WORST employer. Zero respect for employees wellbeing.

Work very wrong .I pay invoice y send me the same invoice with rants, feed fee fee.I Don't understand the master work bar Ochoa controllers Inman they send an invoice some hard getaway since 15 major
OcR 1107423879662971 payment SEK 174
20-05-13

Holds payments for weeks after the buyer receives the goods (applies to sales via Tradera)! Abysmal !!

Payment link comes the day after the purchase. Then goes to debt collection without reminding.

Will totally avoid it if possible.

I overturned the wrong credit agreement when bought with the clear I paid the money. Although they have villas 14 days undo time I had to pay.
It's boring ....

Never buy an invoice or never connect your company to Klarna. The company is equal to thieves. They have cleared the whole system about how to legally make money from you, just like the communist system in Sweden. I am both private and corporate customer at klarna. As a private customer, they place interest on interest on my invoices. And as a corporate customer, after 4 months, I still haven't received my payments.

hmm, this is in Stockholm, Klarna, this company seems to be joking out of its terrier

Super good ... Never any problems. Easy and clear app. Have been in contact with the chat due to returns .. everything was resolved quickly. Easy to split purchases over a period of time. Highly recommended .... !!!

Instead of saying "sorry" to 400 complainings, why dont you just FIX the problems you obviously have in this company. You should have financial authority shut you down inmediately, this is outrageous

Incompetent greedy people who live hustling people. Worthless help and service. Hope your company someday goes bankrupt as it deserves.

Telephone contact? Several times no chance, because after 10 minutes the waiting loop is canceled by klarna without comment!

Bad support. Buggy application whose purchase functions often do not work. Some purchases do not even appear in the application until much later.

Warning !!! The Klarna have great security risks. When I was going to pay an invoice last night, the following happened. I pressed pay, and was asked to open bank ID. As soon as I pressed the ID app the warning came up. "Warning! Too many unsuccessful attempts to open ID have been made. Do nothing, can be bank fraud !! I canceled everything round. Called Klarna (when I had managed to find the phone number) Got in reply that I might have too many tabs open. Wrong wrong. I had been away for 4 days and not used my computer, not opened bank ID. Today I went to my bank and paid. I will never use Klarna again,

Have enjoyed Klarna for many years, always pleasant & accommodating, take customer needs & wishes seriously and are service oriented, never ever had any problems !!!!

In the test Klarna. One star is too much. I bought lenses with direct payment, and apparently ALL lens companies use Klarna as their payment engine, so I had no choice. And now, I suddenly get an email where they offer me my "annual report" (annual report). How on earth is that any of their business? And why are they collecting this data about me? An incredibly intrusive company with zero respect for personal integrity. And this is just the latest insult.

If you buy anything through their system, you are led through a maze of clicks that lead you to give them permission to autowithdraw from your account, so you are left with manually canceling this permission from your bank account. And remember, once a company that you do not trust has withdrawn something from your bank account, hell freeze over before you get that money back.

If any online retailer is reading, please take note. Anyone NOT using Klarna has a definite niche! There is a large Klarna-hating community out there, and we would really like to use any other company. Paypal. Direct pay. Anything!

Hates Klarna. Wish you could give zero stars. Have bought lenses with direct payment, and it was administered by Klarna. And now I get an email that my annual message is available on their website ..?!?! What do they have to do with my annual message ..? Clingy and privacy-infringing companies! And this is just the latest ... They make their "helpful" systems so that they are tempted to give them autogiro status, which you can then cancel manually. There is never an option where you only pay with a card without their involvement. Next time I buy something, I'll take the one that offers a payment service that is not Klarna! Wake up merchants, the one who lets us buy with Paypal or whatever, just not Klarna, has a huge market advantage!

All my purchases must be deducted directly from my bank account, ie not credit. Despite this, I received an invoice from Klarna after paying with my card in store. The invoice was sent to the wrong address and therefore went to debt collection. Got zero information from Klarna but it wasn't until my card was locked that I noticed the problem. The card has still not been unlocked even though I paid the wrong collection invoice and customer service has no control on how long it takes for their company to unlock the card. Smooth was the word.

Our company have used Klarna as a payment possibilitys to our customers for several years. Now we want to upgrade our agrement with Klarna to their newest version, Klarna Checkout version 3. But by telephone contact with their company More

Really scam business, no notices of receipt of an invoice, then you will suddenly get an email with reminder and administration, though you have contacted them before you want to pay it all at once. Pajaser who lives at the expense of others.

Think Klarna works well. You have to keep track of the bills, but then it is with everything.

Really unhappy with their service. Sold an item on tradera in January but still not received the payment from Klarna. I called and was told that the code I use to receive the payment had been sent to my old address where I lived 5 years ago. But the agent I talked to promised to resend the code to my current address and I would get it within 14 days. It has been another 14 days and I received no code. That's why I called again today and got the exact same answer: /.

I have now traded through Klarna in many cases and had several problematic purchases due to. errors on the goods or rogue sellers.

I have a feeling that Klarna's service has improved. Got several problems with purchases after damage to packages, for example, you could easily pause the payment which forces the seller company to act correctly.

I really like the one-click purchase, get the item first and pay then, I think it has worked well so far.

What I want is also email support next to chat support, I can summarize a case better if I get time and write but otherwise I'm happy with Klarna, actually. And the staff are still nice, they do what they can.

I have been a victim of identity fraud through Klarna! And the worst thing is, that their customer support is basically non-existent! Their UK support form on their website only puts out an error message, their support email only forwards to the chat and the chat forwards to a phone number that is not active. This company needs to be investigated for fraud as well!

I'm probably one of their biggest private customers, yet they are treated like crap. Had an invoice that I paid in late but before the reminder appeared in the mailbox. Should I then pay a reminder fee or not? If Klarna thinks I should do it then they may well curse me to announce it. Instead, there will be a debt collection claim of 248.59 riksdaler. Talked to their customer service about withdrawing this, but it was like asking them to take the moon down. The customer service guy barely knew Swedish and had a totally negative attitude to the matter.
KLARNA! YOU DON'T SUGGEST, will never trade through them again.

THE MOST TERRIBLE STORE THERE ARE !!!!!!!! FRAUDERS AT THE HIGHEST LEVEL !!!! Never choose Klarna as payment service !! No way! The only thing you get then are reminders and collection letters because the right hand does not know what the left is doing. Only interns are likely to work in accounting. 2x Klarna chosen as payment service and 2x regretted. Many more people should take legal action against such fraud clubs. Pooh! Shame on you !

It is definitely the worst idea for business people to use Klarna's payment system. I created Boka direct and our persuaded by Boka direct customer service to connect Klarna to my account. So that my customers can choose to pay via Klarna. I did my service to a customer, customer paid to Klarna, but Klarna did not pay me money. They are doing it for 3 months (from November) and find out various "excuses" that it was our red days and were similar. I want to warn all entrepreneurs !! Never choose Klarna's payment system. Unfortunately, they do not pay money to small companies that work so hard.

Best solution ever! Just thumbs up. It's easy and easy to pay your invoices :)

When you pay with clarified invoice via tradera you have no purchase protection whatsoever. You are called in to pay with an invoice because it signals security when dealing with a private person but the security is false. I paid by invoice and when I received the item there were spots on it that were not in either image or ad text. I agreed with the seller that I would send the goods back and I followed the clarified regulations on return and sent the goods within three days and with tracking number. When the seller receives the jacket, he refuses to remove the invoice. So he breaks our agreement. The clear staff replies that they cannot help me because I bought the product on tradera and they have nothing to do with tradera. Even though they have the tracking number and can see that the jacket has been taken out and they have access to the email conversation where they can read to my and the seller's agreement that I will get my money back when he has received the jacket. Klarna says that only the seller can remove the invoice. It is a joke and illegal to have such a procedure. I'll take it further with the Consumer Agency. And while I do, I have an invoice that has expired. Why should I pay almost SEK 700 for a jacket that I have not received? Completely unacceptable.

Klarna has a business model that has gone from innovative start-up to short-term profit machine.

The key to success is now spelled out for purchase, part payment and reminder fees. There you guess you have 80% of the company's revenue.

Their self-sufficient debt collection companies work to keep people in debt through small, continuous pleasant conversations.

The Klarna have chosen a tedious path that makes the world worse rather than better.

Withdrawing money from an account without even getting your product or getting hold of the company that delivers it, when you are going to claim the case, this is not possible, even though you have performed the process 2 times before. Should never use the clear longer to any extent, then I take care of that alternative.

Avoid Klara to the greatest extent, however, they now seem to have a monopoly. Have two horrible experiences that make you think.
Only when making a direct payment with a bank account do they take the opportunity to take a credit report despite cash payment. They mention it as "invoice solution" anyway. Strange behavior and do not even know if it is legal just because they have baked it into the agreements. Is not a legitimate reason for a check, just an excuse to collect more data about their "customers".

The second part is that in another purchase there is something wrong and I jump back, no one bought or sent. I make the purchase and it is booked as it should. To my surprise, Klare still made a double payment on my account.
This happened 4 / 12-19 and has chatted and finally emailed them with supporting documents. Even today 8/1 I have not heard anything from them and have not received the money back. May think that they should make daily reconciliations so that this is discovered more than that a customer will have to spend several hours to get back their own money.

Update:
Yesterday on 16/1 I got the money back, 6 weeks later. It cost me more to hunt to get them back the actual sum if you count on hourly pay.
Worth noting that I still haven't heard anything from them but just saw a deposit in the account.
Customer service at its finest

Hampered user experience; there are many better alternatives.

Biggest scammer on reminder fee. Warning they have all the information about your account balance / purchase transactions have just like your bank account statement. It is not enough to choose payment on the fall day. they mean that they send an invoice to your e-mail so you have to log in to the clear and gogo the payment which you do not do it in disbelief that you have already made payment on the due date. Worst buying experience I've had.

Got bad and bad information that has resulted in an invoice of 12,000 that I had NOT planned. Clearly the lowest rating!

Klarna is one of the toughest payment services I've been to!
Earlier, you could get a link to the invoice by mail. They have changed that!
Today you have to LOG in to their website, in order to retrieve the invoice. IT IS NOT CUSTOMER FRIENDLY! I did not even find an actual invoice in early June and received no reminder via email. Now they have changed the layout and yesterday I found the invoice - with 60: - reminder fee added!
Reaching them by mail is not possible! Chat or phone applies.

Now I intend to stop shopping for internet services that use Klarna as a payment service! Thank you!

"Finish your purchase" it was, clicked, and now I have waited 24 hours for the purchase to be completed. Other purchases during the day went smoothly, though
with Klarna there was a cross stop.

Their entire business side is to be confusing and take strange pay so they can send customers directly to their own collection company.

Avoid as often as I can!
Miserable activity that should be stopped.

Absolutely mindless payment provider. Power on community (what for?), Which makes the whole thing absolutely complicated and annoying, but is actually only an account purchase provider.

Why do they have to hold on, after buying xxl, where it is only possible to use the clear. It is not possible to pay directly but only within 14 days.

After purchase, there will be an Mail with payment information. It will not, the purpose is perceived to be that I should not pay on time and receive a reminder and preferably debt collection. Feels unserious, I'm looking for people who do not answer the phone. You simply have to give up.

Will search for xxl instead as these are the ones I bought from.

Need enough for new legislation that puts a stop to this type of business method. Make the simple very difficult.

Klarna may have a "flying" start on their savings account, but the service also does not seem to be fully developed! For example, it is not possible to transfer money from an unrestricted account to a restricted account. Customer service can not help but you are directed to transfer the money back to your original bank account and then again transfer the same money to the fixed account (reference account). The problem is only that it is not possible to withdraw the money from the unrestricted account either, but only deposit so that it becomes item 22. You can also not transfer additional funds to the restricted account, but then you have to open a new reference account so it can be any number of accounts. It must also be the exact amount you decided in advance when you opened the reference account, because otherwise they end up in an unbound account and you have to start again.

I have now talked to 3 different people in customer service but no one has had a solution or mandate to do something, so now waiting to be called by someone who actually has a mandate or a solution for me?
Have liked the Klarna app so far and used it extensively but the banking business probably has a long way to go yet ..... this is a bottom pacifier.

Response from Klarna:

I will reach out to you when I have received the information that you have been in contact with our customer service regarding savings accounts with us.

To withdraw money, do the following:

Select a reference account by going to your profile page.
2. Add the bank account you want the money transferred to. This must be a Swedish account in your name.
We will verify the account, it may take up to 2-3 days.
4. Come back again after 2-3 days. Your account information should be displayed on the reference account page. If we'm still verifying your account, there's a banner that says so.
5. Once your account is verified, you can go to the account information for the flexible account and press the button to withdraw (Withdraw money)
6. A transfer takes 1-2 banking days

After you have added a reference account to which you want the money to be paid out, it will take 2-3 days before the connection is approved. Once the reference account has been registered and you have chosen to withdraw the money, it will be visible in your account within 2-4 banking days. If you have not received the money to your account yet, please return with a confirmation of this so that I can take a closer look at this together with our finance department.

Flexible ?? .....

Unclear when buying a client account is an invoice or not, submitting late fees for things that are not delayed and have no understanding or want to fix mistakes. Worst of all, probably their unpleasant customer service.

This has never happened to me before! First you don't get an invoice from them and you have to take care of yourself. After a long back and forth there was one from customer service EIS.de and I paid immediately! Then you get a final warning from Klarna without there being one! Contact the customer service of EIS as there is no possibility to call this bank for free or to write an email. The transfer receipt is sent in the attachment. There is absolutely no help from EIS.de customer service, although it is an easy way to sort out the problem. In my eyes the system has a rip off and what Klarna and EIS.de are doing!
Can't buy any installments there!

Cannot use e-invoice as payment but only bank account or debit card. I want to be able to see my upcoming payments.