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What is the Dispute Fee?

Dispute fees for Klarna Payments are applied per dispute, with fee tiers based on dispute rate thresholds, charged on every initiated dispute case.
Dispute fees documented on this page apply to Klarna Payments Merchants who have a direct agreement with Klarna. Merchants whose agreements are managed through a Payment Service Provider (PSP) or another third party are not subject to these fees.
For information on any applicable charges, please refer to your payment provider's documentation.
For Klarna Payments, a dispute fee is charged on every initiated dispute case to offset the operational costs involved in the resolution process. The fee applies regardless of the outcome — it is not refunded if the dispute is resolved in Merchant's favour.

Dispute Fee Structure
Klarna applies two tiers of dispute fees to Klarna Payments Merchants:
Fee TypeAmountDescription
Standard Dispute Fee15 EURApplied per initiated dispute case
Excessive Dispute Fee30 EURAn additional 15 EUR (total 30 EUR per case) — applies when dispute volume exceeds certain thresholds
For exact currency and fee amounts by market, see the Dispute Fee per Market table below.

Excessive Dispute Fee Criteria
The excessive dispute fee applies when your dispute rate exceeds 1.5% for three consecutive months, provided you have processed more than 100 orders during that period.
  • If your dispute rate falls below 1.5% for three consecutive months, the fee reverts to the standard rate.
  • For Merchants with multiple Merchant IDs (MIDs), the dispute rate is calculated individually for each MID — not averaged across all MIDs.
Dispute rate = Number of initiated disputes (all types) in a month ÷ Number of captures in the same month.

When Fees Are Charged
For Klarna Payments, the dispute fee is charged on all initiated disputes and is applied upon initiation.
  • The fee applies regardless of the dispute outcome
  • The fee is not refunded if the dispute is resolved in your favour
  • Both standard and excessive fee tiers apply to all dispute types

Dispute Fee per Market
The following rates apply to all Klarna Payments merchants with a direct agreement with Klarna, regardless of payment service provider or integration method:
MarketStandard FeeExcessive Fee
AT, DE, ES, IT, FR, BE, NL, IE, FI, PT, GR, SKEUR 15EUR 30
SESEK 150SEK 300
NONOK 150NOK 300
DKDKK 150DKK 300
UKGBP 10GBP 20
PLZŁ 60ZŁ 120
USUSD 15USD 30
CACAD 20CAD 40
AUAUD 25AUD 50
NZNZD 25NZD 50
CZCZK 350CZK 700
RORON 70RON 140
CHCHF 15CHF 30
MXMXN 250MXN 500
HUHUF 5,600HUF 11,200
For transactions in any market not listed above, the dispute fee will be SEK 150 (standard) or SEK 300 (excessive).

What is the Appeal Fee?
If you appeal a pre-arbitration decision and the appeal is unsuccessful, an appeal fee equivalent to USD 600 is applied in your settlement currency. Like the dispute fee, the appeal fee is non-refundable.
Settlement CurrencyAppeal Fee
EUREUR 600
SEKSEK 5,500
NOKNOK 5,500
DKKDKK 3,800
GBPGBP 445
PLNPLN 2,100
USDUSD 600
CADCAD 825
AUDAUD 840
NZDNZD 1,000
CZKCZK 12,500
RONRON 2,600
CHFCHF 465
MXNMXN 10,000
HUFHUF 180,000
The appeal fee applies only if your appeal is unsuccessful.

How Dispute Fees Are Communicated in the Merchant Dispute App
In order to uphold transparency, Klarna provides clear communication on dispute resolution outcomes, including when a fee has been applied. The following information is displayed on the dispute detail page in the Merchant Portal:
  • Closed on — Date and time when the dispute was closed
  • Status — Outcome of the dispute
  • Reason — Closing reason explaining why the outcome was reached
  • Chargeback amount — Amount chargebacked on the order, whether partial or full
  • Dispute fee — Displayed for all closed initiated disputes