Klarna is a payment service that helps you shop online and pay in a way that suits you best. You can split your purchases into 4 interest-free payments, pay in full later, or spread out payments over time. Klarna also has an app where you can manage your spending, shop with Klarna anywhere, and even earn cashback. Sometimes you might see Klarna billing you if you've chosen one of their flexible payment plans or if you're paying for something with their help at checkout.
The cancellation process requires users to first settle any outstanding payments and then contact Klarna's Customer Service via chat to close the account or subscription. While the steps are straightforward, needing direct communication with a representative adds slight complexity, making it neither very easy nor very hard.
Estimated Time
On average, it takes 20 minutes0020 minutes to cancel a Klarna subscription.
How to Cancel Klarna: Step by Step
If you purchased through Klarna Wallet:
Open the Klarna app on your mobile device.
Tap on the "You" tab at the bottom of the screen.
Navigate to the "Subscriptions" section.
Select the subscription you wish to cancel.
Tap on "Cancel Subscription." Follow any on-screen prompts to confirm the cancellation.
If you purchased through a website:
Log into your Klarna account on the website.
Go to the "Account" section.
Select "Manage Subscriptions."
Find the subscription you'd like to cancel.
Click on "Cancel Subscription" and confirm the action.
If you purchased through customer service:
Prepare to settle any outstanding payments associated with your subscription.
Contact Klarna Customer Service via chat or phone.
Request to cancel your subscription directly through the customer service representative.
Ensure you receive written confirmation of the cancellation.
How to Contact Klarna
If you need assistance, here's how you can get in touch with Klarna's support team.
Savings over 5 years from cancelling your $15/month subscription
Savings by cancelling
$0
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Loss if you keep paying
-$0
$800
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Tips and Tricks for Getting a Klarna Refund
Contact the retailer directly first as Klarna usually requires order cancellation confirmation from the merchant before stopping payments.
Act quickly after making a purchase or subscription signup to request cancellation before the first payment is taken.
Use clear, firm language emphasizing that you do not authorize the charges and want a full cancellation and refund.
Document every communication with the merchant and Klarna to have a record of requests and responses.
Escalate to Klarna’s customer service supervisors if frontline reps are unhelpful; mention fraud protection and consumer rights in formal language.
Leverage timing by cancelling right before billing cycles to avoid extra charges.
Some users report success by disputing unauthorized charges through their bank or card issuer if Klarna doesn’t cooperate.
After cancellation, monitor the Klarna app closely for any unexpected charges and challenge them immediately.
Consider deleting the Klarna app after settling balances to reduce temptation for repeat orders.
Be polite but persistent across all communication channels including phone, chat, and email.
Why Do People Request Refunds from Klarna
Undelivered or defective products lead customers to cancel payments or subscriptions.
Billing errors and disputed charges cause frustration and drive cancellations.
Cancellations not honored or refunds delayed prompt customers to seek cancellations and refunds.
Poor customer service communication and difficulty disputing charges discourage continued use.
Confusion or errors with gift card payments and recipient details cause cancellations.
Fear of accumulating hidden debt or falling behind on payments motivates cancellations.
Frustration over refund processing delays, often requiring coordination between Klarna and merchants.
Concerns about potential credit score impact due to late payments or disputes.
Cancelled orders or subscriptions not properly reflected in billing statements.
Manual refund processing delays cause dissatisfaction and cancellations.
Klarna Refund Script
Script
Copy
Dear Klarna, Support, I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Best regards,
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Klarna Refund Policy
Klarna Plus subscription can be cancelled at any time through the Klarna app. After cancellation, the subscriber can continue to use the benefits until the end of the current billing cycle, and they will not be billed for the next cycle. For example, if cancelled on April 20th with a billing date of May 10th, benefits continue until May 10th and no further charges occur.
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The Easiest Way to Get a Klarna Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from Klarna—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Frequently Asked Questions
Klarna generally allows users to cancel payments or subscriptions, but the actual cancellation often depends on the specific store's policy rather than Klarna itself. Users should be cautious about potential difficulties in getting refunds after cancellation, as many reviews report customer service issues and delays in refunds. There are typically no explicit contracts, lock-ins, or early-cancellation fees from Klarna, but the pain points are related to refund processing and handling disputes rather than cancellation itself.
Undelivered or defective products lead customers to cancel payments or subscriptions.
Billing errors and disputed charges cause frustration and drive cancellations.
Cancellations not honored or refunds delayed prompt customers to seek cancellations and refunds.
Poor customer service communication and difficulty disputing charges discourage continued use.
Confusion or errors with gift card payments and recipient details cause cancellations.
Fear of accumulating hidden debt or falling behind on payments motivates cancellations.
Frustration over refund processing delays, often requiring coordination between Klarna and merchants.
Concerns about potential credit score impact due to late payments or disputes.
Cancelled orders or subscriptions not properly reflected in billing statements.
Manual refund processing delays cause dissatisfaction and cancellations.
First and last name associated with your Klarna account
Full address details (street, house number, postal code, city)
Email address linked to your Klarna account
Phone number registered with Klarna
Account identification details (such as IBAN, if relevant for payment/refund processing)
Reason for cancellation (optional, but may be requested)
Preferred cancellation date (immediately or as of a specific date)
Payment status confirmation (any outstanding payments must be settled before cancellation)
Verification via email or SMS code (for identity confirmation)
Photo ID and selfie (may be requested to verify your identity)
Before cancelling or deleting your Klarna subscription or account, make sure all outstanding payments are fully settled as you cannot delete your account with unpaid balances. After cancellation or deletion, you will lose access to all Klarna services such as 'Buy Now, Pay Later,' your stored payment methods, transaction history, and any credits on your account. Your personal and financial data will be removed, but some financial information may be retained as legally required. Keep in mind that once your account is deleted, it cannot be recovered, and you will need to create a new account to use Klarna services again if you choose to return.
Klarna Plus subscription can be cancelled at any time through the Klarna app. After cancellation, the subscriber can continue to use the benefits until the end of the current billing cycle, and they will not be billed for the next cycle. For example, if cancelled on April 20th with a billing date of May 10th, benefits continue until May 10th and no further charges occur.
To cancel your subscription or close your account with Klarna, you generally need to settle any outstanding payments and then chat with Klarna's Customer Service. While the exact requirement for a password isn't explicitly stated, usually, accessing your account (which typically requires your login credentials) is necessary to manage or cancel subscriptions. If you have trouble logging in, Klarna offers options like using a verification code sent to your phone number or resetting your password if forgotten. You can reset your Klarna password here: https://l.klarna.com/22XC/LoginUS.
We've actually written a step by step guide on how to get a refund from Klarna. Check it out!
The cancellation process typically takes about 20 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.
After canceling your Klarna subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.
Yes, you can usually reactivate your Klarna account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.
If you're unable to cancel Klarna online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.
Editorial Note: The content on this site is provided for general informational purposes only and reflects the independent research, opinions, and editorial judgment of Chargeback's team. While we strive to ensure accuracy and relevance, the information may contain errors, omissions, or become outdated. Nothing on this site constitutes legal, financial, or professional advice, and we do not guarantee the effectiveness or outcome of any guidance provided. Individual results may
vary depending on specific circumstances.
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¹ Total savings is calculated based on internal annualized estimates of
savings for customers. ² Average requests times may vary depending on volume of requests
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