processors/klarna

Klarna disputes, end to end

Fourteen days from escalation, seven if the claim is unauthorised, inside the Disputes App.

deadline — 14 days — 7 for unauthorised purchases

Count your days left

provider
Klarna
type
buy now, pay later
their word for it
dispute
response window
14 days — 7 for unauthorised purchases
reason code shown
Klarna's own reasons — unauthorised purchases, returns, and the rest — not a numeric network code
who submits
you, under your own name

The clock

14 days — 7 for unauthorised purchases

Klarna counts in hours: 336 for a first response, 168 on unauthorised purchases, 168 on any follow-up. Klarna's resolution period runs 21 days. When it closes the case ends as a chargeback, with no response route.

reason code, as Klarna shows it

Klarna's own reasons — unauthorised purchases, returns, and the rest — not a numeric network code. Build to what Klarna asked, in Klarna's words.

Where you submit

  1. 01Partner Portal → Disputes App in the left navigation
  2. 02Open Disputes → Response required
  3. 03Open the case for the Dispute Detail View
  4. 04Respond, then upload evidence and explain it in comments
  5. 05Submit before the hour count runs out

What the form accepts

first response
336 hours, or 168 on unauthorised purchases
follow-up request
168 hours
resolution period
21 days, then auto-closed as a chargeback
accepted formats
PDF, PNG, JPEG
per file
typically 5 MB
comments
free text explaining the evidence

What Klarna does for you

  • yesShows the dispute reason it assigned, and separates suspected-fraud cases into their own tab.
  • yesLets you sort by amount and accept the losses that are not worth investigating.

What it leaves to you

  • noBulk Accept Loss is a chargeback the moment you press it — quick, and final.
  • noNo integration-based dispute vendor covers Klarna volume for a small seller.
  • noThe 21-day close is hard: after it there is no submission route at all.

the common misreading

A Klarna return claim is a delivery-and-return-policy question

Merchants argue about the goods. Klarna is asking what your policy said at checkout and what the carrier recorded, in both directions. Both are documents you already hold.

Klarna’s own documentation

Disputes App in Merchant Portal

Now build what Klarna will accept

  • The evidence set matches the two things Klarna asks for: dispatch proof and the return record.
  • The comments field takes the rebuttal; the numbered exhibits are what it points at.
  • Sort by amount first, and build files only where the money justifies the hour.

Single case — €39 · Five-pack — €79

Build the file

Free until you see your own file.
No account, no password, ever.

codes that land here

other rails

stripe·shopify payments·paypal·mollie·adyen

We build the file, the issuer decides.