How to Get a Refund from Klarna

Getting a refund when you've paid with Klarna can sometimes feel complicated, but it follows a clear process. Your primary right to a refund comes from the retailer, with Klarna acting as the payment facilitator. This guide will walk you through the steps to ensure your refund is processed correctly.

Reviewed by Corey Musa, Founder·Last reviewed June 2026·LinkedIn

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Your rights

Your right to a refund for goods or services primarily originates with the retailer under the Consumer Rights Act 2015 for faulty items, or their stated returns policy for unwanted goods. Once the retailer processes and confirms your refund, Klarna is then responsible for adjusting your payment plan or returning the funds to you. If Klarna fails to process a confirmed refund from the retailer, you can escalate this as a complaint against Klarna.

Step by step

1**Initiate the return with the retailer:** Always start by returning the item or cancelling the service directly with the retailer, following their specific returns policy. This is the crucial first step for any refund.
2**Notify Klarna of the return:** Once you've initiated the return with the retailer, log into your Klarna app or account and report the return. This will pause your payment plan, preventing new payments from being due while the refund is processed.
3**Monitor the refund status:** Keep an eye on your Klarna account for updates. Once the retailer confirms the refund to Klarna, your payment plan will be adjusted, or the money will be returned to your original payment method.
4**Follow up if delayed:** If the refund takes longer than expected (typically 10-14 days after the retailer confirms it), contact Klarna's customer service. Be ready to provide proof of your return to the retailer and any communication you've had with them.

What they'll say, and your comeback

“The retailer hasn't confirmed the refund to us yet.”

Comeback, I have proof of my return to the retailer on [date] and their confirmation that the refund was processed on [date]. Please check your systems again or advise what further action you require from me.

“Refunds can take up to 14 days to process.”

Comeback, I understand the standard timeframe, but it has now been [number] days since the retailer confirmed the refund. Can you provide a specific update on the status of my payment adjustment?

FAQ

What happens to my Klarna payments while I'm waiting for a refund?

When you report a return in the Klarna app, your payment plan for that purchase is paused. This means you won't be charged for upcoming instalments while the refund is being processed by the retailer and Klarna.

What if the retailer refuses my refund?

If the retailer refuses a rightful refund, your dispute is primarily with them. You should pursue the matter with the retailer based on your consumer rights (e.g., Consumer Rights Act 2015 for faulty goods). If you paid with a credit card via Klarna, Section 75 of the Consumer Credit Act may offer protection.

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A self-serve tool, not a law firm. General information, not legal advice.