What is a Klarna charge?

That's the product: pay-in-4 and pay-later plans bill on their schedule, not at purchase. The app shows which purchase each instalment belongs to.

Instalments continue until the retailer confirms the return to Klarna. Chase the retailer's refund confirmation, then Klarna adjusts the plan.

Check whether one of the two lines is a pending authorization hold — Klarna places holds on your linked card, including when a One-time card is created, and the hold drops off rather than settling. If you have more than one active Klarna purchase, two different installment payments can also land close together and look like a duplicate. Compare both lines against the payment plans in the Klarna app; if two identical payments actually posted for the same installment, contact Klarna support from the app.

Your installment plan keeps running until the store registers the return with Klarna, which can take a while. Report the return inside the Klarna app on that purchase — this pauses upcoming payments while the return is processed — and once the store confirms it, Klarna adjusts or refunds the plan. If the store has confirmed the refund but charges continue, raise it with Klarna support through the app.

Klarna's own first check is whether anyone else in your household used your card or chose Klarna at checkout — that's the most common answer. Also look for an order confirmation email from Klarna around the charge date. If nobody recognizes it, report it to Klarna: its US fraud protection terms say you must file a claim within 60 days of the charge first appearing on your statement, so don't wait.