Klarna | Shop now. Pay later.
This is customized report built by Clarity, using AI to analyze feedback from platforms like the App Store and Reddit.
Building trust in every customer interaction
Login and Accessibility Problems
Users with accessibility needs face challenges logging into the app due to interface issues, such as the inability to scroll or access necessary buttons. This affects about 3% of users, highlighting the need for better accessibility features.
I can't log in on my iPhone because I can't scroll to the 'create Klarna' button, making the app unusable for me.
Customer Service Frustrations
Many users find Klarna's customer service unhelpful, with complaints about unfulfilled promises and lack of resolution. This affects around 7% of users, suggesting a need for more effective and responsive support.
Customer service is unhelpful, making promises they don't keep and failing to resolve issues.
Limited Payment Flexibility
Some users are frustrated by the lack of flexible payment options, such as the inability to make extra payments without incurring interest. This issue affects about 4% of users, indicating a demand for more customizable payment plans.
I should be able to make extra payments without being forced into minimum payments plus interest.

Users' choice
Klarna receives high praise for its convenience, reliability, and flexible payment options, with many users appreciating the ability to spread out payments without hidden fees. However, some users report issues with customer service and account management, leading to frustration.

Runner up
Affirm is well-regarded for its easy-to-use app and flexible payment plans, which help users manage larger purchases without high interest rates. Despite this, some users express dissatisfaction with customer service and account management issues, including unexpected charges and difficulties in account closure.

Straggler
Sezzle is appreciated for its ability to help users manage payments over time, especially during financial crunches. However, some users criticize the app for high fees and mandatory subscription requirements, which can make it less appealing compared to other BNPL services.
Unauthorized Charges
Users experience unauthorized charges even after order cancellations, leading to frustration and unresolved issues with refunds. This indicates a critical flaw in the payment authorization and refund process that needs immediate attention.
Login Accessibility
The app's interface on certain devices, like the iPhone 16 Pro Max, prevents users from completing the login process due to unscrollable screens. This accessibility issue hinders user engagement and needs a UI/UX redesign to ensure seamless access.
Ineffective Customer Support
Customer service is perceived as unhelpful, with users experiencing disconnections and lack of resolution, which undermines trust and satisfaction. This highlights a need for improved training and protocols to enhance customer support effectiveness.
Refund Application Issues
Users face difficulties applying refunds to their balances, especially when the refund amount is less than the payment due. This suggests a need for more flexible refund application options to improve user satisfaction.
Limited Payment Flexibility
The app restricts users to minimum payments or full balance payoffs, limiting flexibility for additional payments. This rigidity in payment options could deter users seeking more control over their payment schedules.
Cash Transfer Limitations
Users report being unable to transfer funds from Klarna to other platforms like Cash App, causing inconvenience and dissatisfaction. This limitation suggests a need for expanded financial interoperability to enhance user experience.
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