Klarna Docs - Dispute fees

Dispute fees

In this article, you will be informed about the merchant dispute fees and when they are applicable.

What is The Dispute Fee?

When a Customer raises a dispute with us for the reasons set forth below, you (as the seller of the goods/services) are responsible for resolving this dispute. If you cannot reach an agreement with the Customer within the time period specified below depending on the dispute reason, the dispute will escalate and our customer service teams will step in and help solve the dispute. In such a case, we reserve the right to charge you a dispute fee to compensate for additional operational costs on our side.

Whether you get charged with a Dispute Fee or not is decided by the outcome of the dispute, not the escalation in itself, hence we don’t charge a Dispute Fee on the day of escalation. The fee is charged retroactively once we’ve determined the outcome of the dispute and who is liable.

You will not be charged a Dispute Fee if a Customer:

  1. Is deemed to be at fault. 
  2. Cannot provide the information requested by Klarna to proceed.
  3. Cancels the dispute on their own accord.

In these instances, we will reactivate the invoice with no charge towards you, the Merchant.

Time to resolve the dispute (Dispute Resolution Time)
Contingent on the Customer providing Klarna with the relevant information to proceed with the dispute. 

Counting from when the dispute is raised by a Customer with Klarna, you, the Merchant, and the Customer have a minimum of 21 days to resolve the dispute, as stated below. The one exception being returns, where we count from the return date. 

With that in mind, If you do not resolve a dispute within the time periods stated below, starting from when the Customer opens the dispute with Klarna, Klarna may charge you a Dispute Fee.

Dispute reasonCalendar Days
Returns21*
Goods not received21
Incorrect Invoice21
Faulty Goods21
Already paid21
Unauthorized purchases0

* Depending on the return date provided by the Customer upon Klarna’s request. If the return date is <14 days from escalation we will automatically postpone the escalation date by 14 days from the return date, giving you enough time to be able to process the return.

Where Do You Find Disputes

You will find your disputes under the tabs “Open Disputes” and “All Disputes” in the Merchant Dispute App.

  • Open Disputes” Contains all escalated disputes, meaning disputes that have passed the resolution time and may be charged with a Dispute Fee. 
  • All Disputes” Contains all disputes. Recently opened, escalated and closed going back 90 days. 

To help you manage your disputes and make sure you don’t miss a deadline, Klarna will notify you shortly after the dispute has escalated and is available in “Open Disputes”.  

Example of timeline

Dispute fee per market

MarketDispute fee (from Oct. 10, 2022)
AT, DE, ES, IT, FR, BE, NL, IE, FI, PRT, GR15 EUR
SE150 SEK
NO 150 NOK
DK150 DKK
UK10 GBP
PL60 PLN
US15 USD
CA20 CAD
AU25 AUD
NZ25 NZD
CZ350 CZK
RO70 RON
CHE15 CHF