Be careful when using Klarna!! I recieved a refund from a merchant back to Klarna via pay in 3 3 months ago but Klarna refuse to put the money back into my account! I have complained 6 times and every time I get the same generic responce! They have even had bank statements proving I didn’t get the refund and they still will not refund my money. The staff really don’t know what they are doing and promise things and don’t deliver! I am reporting them to the financial ombudsman!