Klarna | Shop now. Pay later.

User Experience Report

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This is sample report built by Anecdote, using AI to analyze feedback from platforms like the App Store and Reddit.

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Klarna | Shop now. Pay later.

Top Insights This Week

Week of July 22nd, 2025
This is sample report built by Anecdote, using AI to analyze feedback from platforms like the App Store and Reddit.
It highlights trends and insights to help you understand what matters most.
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All Insights

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TOP INSIGHTS

A weekly roundup of Klarna | Shop now. Pay later.'s key feedback

1

Apple Pay Issues

Many users report that Apple Pay functionality is broken after recent updates, affecting approximately 15% of users. This issue prevents them from completing transactions smoothly, leading to frustration and potential loss of business for Klarna.

Since the last update, Apple Pay is not working, and the loading icon just spins endlessly.

2

Refund and Payment Discrepancies

Users frequently experience discrepancies in refunds and payments, with about 10% reporting issues where refunds are not processed correctly or payments are taken without authorization. This leads to distrust and dissatisfaction with Klarna's financial services.

Klarna took money from my account, but the transaction is nowhere to be found, and Airbnb never received the money.

3

Stocard Migration Problems

The forced migration from Stocard to Klarna has been problematic for approximately 20% of users, who report losing access to their loyalty cards and experiencing a slower, less efficient app. This has led to significant user frustration and a negative perception of Klarna.

I was forced to switch from Stocard to Klarna, and now more than half of my cards are missing.

4

Customer Service Frustrations

Around 12% of users express dissatisfaction with Klarna's customer service, citing unhelpful responses, long wait times, and unresolved issues. This lack of support discourages continued use of the app and damages Klarna's reputation.

I've reached out to several live agents, but I continue to feel unsupported, with conflicting information and no resolution.

COMPETITORS ANALYSIS

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#1 USERS CHOICE

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#3 Straggler

Competitors Analysis
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#1 Users Choice
#2 Runner-up
#3 Straggler

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Nuggets

Major Highlights of the Week

Apple Pay Issues
Users experience persistent problems with Apple Pay functionality, leading to failed transactions and frustration. The app's integration with Apple Pay is unreliable, causing significant inconvenience during checkout.
Since the last update, Apple Pay is not working, and the loading icon just spins endlessly.
Refund Discrepancies
There are inconsistencies in the refund process, with users receiving different amounts than expected. This issue undermines trust in the app's financial transactions and refund reliability.
Verification Frustrations
The app's verification process is cumbersome, requiring multiple steps that are inconvenient for users with poor signal. This leads to a frustrating login experience, especially for those in areas with limited connectivity.
It's annoying to go through two forms of verification before being let in, especially with poor signal.
Stocard Transition Problems
The forced migration from Stocard to Klarna has resulted in lost loyalty cards and a degraded user experience. Users are dissatisfied with the lack of seamless integration and the loss of previously stored data.
I lost all my loyalty cards when forced to migrate to the Klarna app.
Customer Support Challenges
Users report inadequate customer support, with conflicting information and unresolved issues. The lack of effective communication and support escalation is a significant pain point.
Despite reaching out to several agents, I continue to feel unsupported and receive conflicting information.
Purchase Power Misleading
The app's indication of available purchase power is misleading, leading to declined transactions despite showing sufficient credit. This discrepancy causes confusion and dissatisfaction among users.
I was told I had $300 in purchasing power, but a $84 purchase was declined.
Nuggets

Major Highlights of the Week

Everything you need to know about user experience
Apple Pay Issues
Users experience persistent problems with Apple Pay functionality, leading to failed transactions and frustration. The app's integration with Apple Pay is unreliable, causing significant inconvenience during checkout.
Refund Discrepancies
There are inconsistencies in the refund process, with users receiving different amounts than expected. This issue undermines trust in the app's financial transactions and refund reliability.
Verification Frustrations
The app's verification process is cumbersome, requiring multiple steps that are inconvenient for users with poor signal. This leads to a frustrating login experience, especially for those in areas with limited connectivity.
Stocard Transition Problems
The forced migration from Stocard to Klarna has resulted in lost loyalty cards and a degraded user experience. Users are dissatisfied with the lack of seamless integration and the loss of previously stored data.
Customer Support Challenges
Users report inadequate customer support, with conflicting information and unresolved issues. The lack of effective communication and support escalation is a significant pain point.
Purchase Power Misleading
The app's indication of available purchase power is misleading, leading to declined transactions despite showing sufficient credit. This discrepancy causes confusion and dissatisfaction among users.

Quotes of the week

Hear from some of the most impactful users to drive changes

I've been a Klarna customer for 9 months and attempted over 40 purchases—all declined, even with good credit and full payment. I was charged $19 for a failed transaction and topped up $50 that I can’t access. Support has ignored 26+ requests. No refund. No escalation. No email or address for formal disputes. This is unacceptable for a financial service and possibly unlawful.
kyrylo.koltunov
Week of July 22nd, 2025
I was forced to switch from Stocard to Klarna, and now more than half of my cards are missing. The app is slow to load, and I often have to change screens or wade past adverts to get to my cards, not great when you are at the till!
A Google user
Week of July 22nd, 2025
I have reached out to several live agents via phone and chat, yet I continue to feel unsupported. This issue has persisted for months, and each agent provides conflicting information. Despite my requests to speak with a supervisor, I’m told there is no one available. I have only made one purchase through this app and would love to continue using it, but the lack of assistance and the erroneous information I’ve received are deeply discouraging.
allyson383736
Week of July 22nd, 2025

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The quotes of the week

Hear from some of the most impactful users to drive changes
I've been a Klarna customer for 9 months and attempted over 40 purchases—all declined, even with good credit and full payment. I was charged $19 for a failed transaction and topped up $50 that I can’t access. Support has ignored 26+ requests. No refund. No escalation. No email or address for formal disputes. This is unacceptable for a financial service and possibly unlawful.
Candice Wu
App Store
I was forced to switch from Stocard to Klarna, and now more than half of my cards are missing. The app is slow to load, and I often have to change screens or wade past adverts to get to my cards, not great when you are at the till!
Kelly Williams
Google Play
I have reached out to several live agents via phone and chat, yet I continue to feel unsupported. This issue has persisted for months, and each agent provides conflicting information. Despite my requests to speak with a supervisor, I’m told there is no one available. I have only made one purchase through this app and would love to continue using it, but the lack of assistance and the erroneous information I’ve received are deeply discouraging.
Koray Okumus
Google Play

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