Klarna Payment UK

Payments + Shipping & Fulfilment

Topic summary

A merchant received their first Klarna order in the UK and is seeking clarification on fraud protection and fee structure.

Key Questions:

  • Whether Klarna provides fraud protection coverage for merchants if an order turns out to be fraudulent
  • Confirmation that UK Klarna fees are 2.95% + £0.20 per transaction

Current Status:

  • The merchant has contacted the customer for order verification but hasn’t received a response yet
  • The merchant assumes Klarna performs fraud checks but wants confirmation

Discussion Outcome:

  • No direct answers provided yet regarding Klarna’s fraud protection policies
  • One user suggested an alternative payment provider (WallidPay) claiming lower fees and reduced chargebacks, but this doesn’t address the original questions about Klarna

The discussion remains open with the main questions unanswered.

Summarized with AI on October 26. AI used: claude-sonnet-4-5-20250929.
1

Hi,

I received my first Klarna payment order yesterday. I have reached out to the customer to verify order, he has not replied yet.

I do not know how Klarna operate, I assume they do checks on the person placing the order to validate not fraud.

Is the merchant covered if this was a fraud order?

In the UK fee for Klarna 2.95% plus 20p?

Thanks

Thanks