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Klarna Chargebacks: What You Need to Know

When a Klarna customer disputes a payment, it can lead to a chargeback—meaning the payment is taken back from you unless we can prove it was valid. Klarna’s process is stricter than most, so it’s important we move quickly when one happens. Here’s how it works and what’s expected of you.

How Klarna Chargebacks Work

  1. Klarna asks for more information (RFI – Request for Information).
    This is your one chance to provide proof (delivery, invoices, communication with the customer, etc.).

  2. We notify you right away.
    Our team will get the alert and contact you immediately with what’s needed.

  3. You send us the evidence.
    We’ll tell you exactly what documents or records Klarna requires.

  4. We submit it on your behalf.
    Once submitted, Klarna reviews the case and makes a decision.

  5. Final outcome.

    • If Klarna accepts the evidence, the chargeback can be reversed and you keep the funds.

    • If Klarna rejects it, the chargeback is final—there’s no appeal.

Deadlines You Must Know

Klarna gives very short windows to respond. If we miss them, the money is automatically lost.

  • High risk orders – respond within 4 days

  • Unauthorized purchase – respond within 7 days

  • All other disputes – usually 21 days (sometimes 14 days for returns)

That’s why it’s critical you respond to us right away when we reach out.

What We Need From You

When you get a chargeback notice from us, please provide:

  • Proof of delivery (tracking, signed receipt, etc.)

  • Invoices or payment confirmations

  • Records of customer communication (email, chat, text)

  • Return confirmation, if the item was sent back

The faster you send us this information, the better chance we have of winning the case.

What We Handle for You

  • Monitoring for any Klarna disputes

  • Notifying you the moment one happens

  • Telling you exactly what documents we need

  • Submitting everything to Klarna on your behalf

  • Updating you with the outcome

Bottom Line

Klarna disputes move quickly and give no second chances. If you hear from us about one, treat it as urgent. Get us the requested documents as soon as possible so we can defend the payment for you.

We’re here to take care of the process—you just need to send us the proof.