If you are experiencing issues receiving your pay from Klarna, there are a few potential reasons why this may be happening. In most cases, pay issues can be resolved by checking your settings or contacting Klarna support.
Have you connected your bank account?
In order to receive payouts from Klarna, you need to connect a valid bank account within your Klarna portal. This allows Klarna to deposit your earnings directly into your bank account via ACH transfer.
To check that you have a bank account connected:
- Login to your Klarna portal
- Navigate to the “Settings” section
- Select “Bank Accounts”
- Verify you have a bank account listed and that the details are correct
If there is no bank account connected, or the details are outdated, you will need to add your account information. Simply click “Add New Account” and enter your routing and account numbers.
Is your account status active?
In order to receive payouts, your Klarna account needs to have an “Active” status. If your account is disabled for any reason, payments will be paused.
To check your account status:
- In your Klarna portal, navigate to “Account”
- Under “Account Status” it should show as “Active”
If your account is not active, you will need to contact Klarna to resolve any issues and re-activate your account. Common reasons for deactivation include compliance issues, policy violations, or requested account closure.
Have payouts been processed?
Klarna typically processes payments within 1-3 business days after the end of the pay period. So you may simply need to allow some time for the payout to be processed and deposited into your bank account.
To check if a payout has been initiated:
- Go to “Payments” section of your Klarna portal
- Locate the relevant pay period
- If the status is “Paid”, the payout has been processed successfully
If the status still shows as “Pending”, then the payout is still being processed. Reach out to Klarna if a pending payout is delayed significantly past the typical processing time.
Have you earned above the payout threshold?
Klarna requires that you earn above a minimum threshold before you can receive a payout. The default threshold is $20.
So if your total earnings for a period are below $20, the balance will remain pending until you exceed the threshold.
You can check your lifetime earnings and account balance in your Klarna portal under “Payments”. If your balance is under $20, you simply need to wait until you have earned more.
Klarna allows you to change the payout threshold once per year if needed. You can lower the threshold to as low as $5.
Has there been banking errors?
In some cases, payouts may fail due to errors with depositing into your bank account. Common errors include:
- Invalid account number
- Closed bank account
- Rejected deposit
These issues will be noted under “Payments” section for any failed payouts. You will need to correct your banking information or follow up with your bank to resolve the underlying issue.
Klarna will automatically re-attempt failed payouts up to two times after the initial failure.
Are taxes being withheld?
If you have tax withholding enabled, then Klarna will deduct taxes from your payout amount before depositing into your bank account.
To check your tax withholding settings:
- Go to “Account” section
- Select “Tax Information”
- Review if federal or state taxes are set to be withheld and at what rate
If taxes are higher than expected, you may need to adjust your W-4 form and withholding allowances for Klarna payments.
Is there a payment dispute or hold?
For risk and compliance reasons, Klarna may occasionally place holds on payments or withdraw funds. This can happen if a payment is disputed or deemed high risk.
Payment holds will be communicated to you directly by Klarna. You will need to resolve any cited issues and request that the hold be lifted.
Have you contacted Klarna support?
If you have reviewed all settings and details in your Klarna portal and still cannot resolve the pay issue, the next step is to reach out to Klarna support.
You can contact Klarna by:
- Submitting a support ticket in your Klarna portal under “Help”
- Calling their support line at 1-800-555-7890
- Starting a live chat from your Klarna portal
When contacting support, provide as many specific details as possible, including:
- Your Klarna username or ID
- The pay period(s) affected
- Any error messages or flags you are seeing
- Steps you have already taken to resolve the issue
Klarna can then investigate further on their end and work to resolve your payout issue directly. This may involve escalating the issue, reprocessing payments, or otherwise correcting any problems.
Conclusion
Trouble receiving payments from Klarna can be annoying but is usually fixable. Be sure your account and bank settings are configured properly, allow time for processing, and reach out to support if needed.
With a combination of self-troubleshooting and assistance from Klarna, you should be able to get your hard-earned pay and resolve any payout issues.