Klarna FAQs: LINK
Klarna customer service: LINK

What is Klarna?

Klarna is one of Europe's leading payment providers and a licensed bank that is transforming the payment experience for shoppers and merchants. and merchants. The company, which was founded in Sweden in 2005, enables online shoppers to shoppers to quickly, easily and securely settle outstanding payments immediately, later or in installments. Klarna works with over 170,000 merchants such as Asos, Spotify, MediaMarkt and Deutsche Bahn and currently employs over 2,500 employees in 14 countries. Klarna took over Sofort GmbH in 2014, followed by the acquisition of Billpay GmbH in 2017. acquisition of Billpay GmbH. The company's investors include Sequoia Capital, Bestseller Group, Atomico, VISA and Permira. Further information can be found at www.klarna.de.

Is it safe to shop online with Klarna?

Definitely! Online shopping couldn't be safer than with Klarna. In a store, you can always touch and check the goods you want to buy before you pay for it. We are of the opinion that shopping online should be no different. That's why Klarna invoice purchase offers you the option to check your goods first and pay later.

Our aim is to make shopping easier and safer - smoooth. That's why we take far-reaching measures to protect you as a buyer from fraud and unreliable online retailers. Whenever you see the Klarna logo in an online store, you can be sure that the store is trustworthy and meets our strict requirements. and meets our strict requirements.

Klarna is also certified by TÜV Saarland and Trusted Shops. Certificates give you as a consumer positive positive indication of the quality of services and products. The associations registered under "the TÜV" are known worldwide and its certificates enjoy the highest international reputation. TÜV Saarland has specialized in customer-oriented services outside the traditional official fields of activity. Through a TÜV Saarland ensures every year that our business model is reputable and that Klarna offers secure payment methods. offers secure payment methods.

Klarna has been a "Trusted Shops Authorized Partner" since 2011 and, as an "authorized partner", Klarna's processes are perfectly aligned with to the quality criteria of Trusted Shops. The quality criteria of Trusted Shops are based on national and and European laws that are important for shopping on the Internet. They take into account current judgments and and requirements of consumer protection associations or even go beyond them. Read more about the Trusted Shops seal of approval.

In addition, Klarna Buyer Protection secures you for every purchase with Klarna. This is an agreement between you and Klarna that enables you to shop securely online. To ensure that the buyer protection policy applies, you must make the purchase as a consumer from an entrepreneur. Please note that the Buyer Protection Policy only applies when paying with Sofort if this is expressly stated on the payment method selection page in the merchant's online store.

How does Klarna deal with the issue of data protection?

It is very important to us to protect your personal data. That's why we always work according to the highest data protection standards. Our data protection officers ensure that your data is in safe hands with us. You can find our privacy policy here. If you have any questions about data protection, please contact us at datenschutz@klarna.de.

Klarna Bank AB (publ) is a Swedish bank. Klarna is also listed with the German Federal Financial Supervisory Authority (BaFin) for the provision of cross-border financial services.

I have further questions regarding my payment. Can I speak to someone from Klarna?

Of course! You can chat with us at any time in the app or call us on 0221 669 501 10.

What is Pay Now with Klarna?

With Sofort bezahlen you can now easily pay by bank transfer, direct debit or credit card. The amount is debited depending on the selected payment method. You can also view your purchases anytime and anywhere via the Klarna app or Klarna.de and the chat is available 24 hours a day for questions and problems with your order. If you make a purchase with Klarna Sofort bezahlen, you are also covered by Klarna buyer protection. When paying with Sofortüberweisung, you will be shown on the payment method selection page in the merchant's online store whether buyer protection applies.

How does instant payment by direct debit with Klarna work?

This is how instant payment by direct debit with Klarna works:

  • ● Choose Pay Now at the checkout when making your purchase.
  • ● Select direct debit as the payment method.
  • ● Enter your bank details and your account will be debited automatically a few days later.
  • ● So that you can pay even faster with 1-click for your next purchase, Klarna remembers your bank details. Absolutely secure and smooth!
    You can see each of your purchases in the Klarna app. Get the Klarna app now. How does instant payment by credit card with Klarna work? This is how Pay now by credit card with Klarna works:
  • ● Choose Pay Now at the checkout when making your purchase.
  • ● Select credit card as payment method.
  • ● Enter your credit card details as usual and your card will be debited automatically. You can see each of your purchases in the Klarna app. Get the Klarna app now. How does instant payment by instant bank transfer with Klarna work? Sofortüberweisung is a direct bank transfer that works with your online banking details.
  • ● You choose your country and your bank.
  • ● Log in with your online banking data. The data will be transmitted to your bank in encrypted form.
  • ● Some banks will send you an additional confirmation PIN to your smartphone, which you must use once to confirm your transaction.
  • ● As soon as the bank transfer is successful, the merchant receives a confirmation and triggers the order immediately.
    You can see each of your purchases in the Klarna app. Get the Klarna app now. Is it safe to enter my online banking details with Sofortüberweisung? Yes, absolutely. Sofortüberweisung is one of the most secure payment methods online because you use the familiar online banking system. Your data entry is exclusively encrypted. In addition, your online banking access data (such as PIN) and confirmation codes (such as TAN) are not saved and cannot be viewed by the merchant or other third parties at any time. Compliance with the data protection guidelines by the entire company Sofort GmbH has been tested and certified by the independent German testing institution TÜV Saarland in accordance with the strict guidelines of the Federal Data Protection Act. SOFORT GmbH has been awarded the TÜV seals "Tested Data Protection" and "Tested Payment System".

Is my sensitive data stored?

No, sensitive data such as PIN and TAN are of course not stored and cannot be viewed by the merchant or third parties at any time. visible to the merchant or third parties. Compliance with data protection guidelines by the entire company has been audited and certified by TÜV Saarland in accordance with the strict guidelines of the Federal Data Protection Act. The Sofort GmbH holds the TÜV test marks "Tested Data Protection" and "Tested Payment System".

How can I change my bank details?

If you want to change your bank details or direct debit mandate, you can easily do this in the Klarna app or ask our customer service.