Protect yourself from fraud and scams
At Klarna, our priority is keeping your money and data secure when you shop and pay with us. Here are some easy-to-follow tips on how to stay safe from scams and fraud—and where to turn if something doesn’t feel right.
Sounds urgent? Could be a scam
Feeling rushed? If you get an unexpected email, message or phone call asking for immediate action and don't know the sender, it could be a phishing message. Warning signs include asking you to confirm personal information, bad spelling or grammar, fake graphics or a strange web address.
Security terms to know
Not all messages that claim to be from Klarna are from us. Scams can take lots of forms, including emails, texts, and phone calls designed to look like they come from Klarna. Common scam tactics to look out for are:
A scam is when someone pretends to be a trustworthy person or company, so that you’ll share your money, personal information, or confidential details with them unknowingly. Scams can take lots of forms, including emails, texts, and phone calls.
Fraud is when someone uses various techniques to access your account or card details, and makes transactions or changes to your account without you being aware of it.
Social engineering is when someone tricks you into giving away personal or confidential information, which can then be used for fraud. Phishing is the most common type of social engineering.
This is when scammers pretend to be someone you trust (like a company or the authorities), and use email to try and get you to give out personal information, credit card or account information, or ask for a payment, with the aim of stealing your money.
Think of this as voice phishing. A scammer will call you, trying to scare or pressure you into sharing your personal information.
This is phishing through SMS messages. A scammer will text you from an unknown phone number or pretend to be a company like Klarna, sending messages with harmful links.
Be careful with your personal information
Never give out your codes, passwords or personal information, unless you are sure of who you're dealing with. Klarna will never ask you for your credentials over the phone, email or SMS.
Spot a scammer
Does something not seem right? You might be picking up on subtle scam signals. Here are four questions to ask yourself to stay scammer safe.
1. Is it unexpected?
Scammers often make contact through unsolicited emails, phone calls, or text messages and extract sensitive information.
2. Is there time pressure?
Scammers often create a false sense of urgency to pressure you into acting quickly without thinking.
3. Is the website trustworthy?
Before shopping or sharing personal details online, make sure the website is legitimate and secure.
4. Is it too good to be true?
Scammers may ask you to pay using gift cards, the Klarna app, or even a wire transfer with the expectation you’ll receive even more in return.
Top security tips
We help you stay one step ahead of fraud and scams with state-of-the-art security tools that are working hard to keep your money safe.
Update your devices
Make sure you have the most up-to-date software installed on your mobile and electronic devices.
Keep contact information up to date
This makes sure that only you receive information about your account, and that we can contact you quickly in case of suspicious activity.
Check your accounts
Keep a close eye on your accounts, and make sure to report any suspicious or unauthorized transactions.
Browse safely
Only use trusted networks, and avoid carrying out transactions when on public networks. Plus, be sure to verify web addresses.
Lock it down
Set strong passwords that are unique for each site. Turn on multi-factor authentication (MFA) for an added level of protection for your data.
How to report suspicious activity
If you’ve come across something unusual while shopping with Klarna—whether it’s a strange message or unfamiliar account activity—don’t worry, we’re here to help. Follow these steps to report the issue and let our team take care of the rest.
Fill out the form
so we can investigate. If you’ve shared any information, contact customer support through the Klarna app right away to prevent any unauthorized activity on your account.Log into your account from a secure device, change your password, and reach out to customer support through the Klarna app if you need any extra help.
Don’t share the one-time password with anyone. Hang up right away and report the incident through chat with customer support in the Klarna app. Remember, Klarna will never call you to ask for your one-time code.
Only follow instructions given in the Klarna app. If your account is restricted, use the app to verify your details and fix the issue.
Freeze your card in the Klarna app and report the transaction to customer support. We’ll guide you through filing a dispute.
Questions? Contact us
Your safety is our priority. If you have any security questions or concerns, you can reach us 24/7.
Potential security concern or flaw
While we provide cutting-edge security, sometimes an error might slip by. If you’ve found a security flaw, please let us know below.
Need more help?
We’re always here to support you with any security questions. Get round-the-clock assistance with Klarna’s dedicated support in any language, via chat or call.