What is the Dispute Fee?
Dispute and appeal fees for Klarna Payments: when each fee is charged, fee tiers based on dispute rate thresholds, and amounts per market.
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Fee applicability
Dispute fees on this page apply to Klarna Payments merchants with a direct agreement with Klarna.
Merchants integrated through a Payment Service Provider (PSP) are not charged by Klarna directly. However, your PSP may pass dispute fees through to you.
Please refer to your payment provider's agreement for details.
For Klarna Payments, a dispute fee offsets the operational costs involved in the resolution process. The fee is charged when a dispute is decided against the Merchant.
Klarna Payments disputes can carry two fees:
- Dispute fee: charged when a dispute is closed against the Merchant. For card chargebacks, it is charged when the dispute closes, regardless of the outcome.
- Appeal fee: charged when the dispute closes if you filed an appeal and the appeal is lost.
Dispute Fee Structure
Klarna applies two tiers of dispute fees to Klarna Payments Merchants:
| Fee Type | Amount | Description |
|---|---|---|
| Standard Dispute Fee | EUR 15 | Applied per initiated dispute case |
| Excessive Dispute Fee | EUR 30 | An additional EUR 15 (total EUR 30 per case) that 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 definition
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 applied when a dispute is closed against the Merchant.
- No dispute fee is charged if the dispute is resolved in your favor
- Card chargebacks initiated on or after March 1, 2027 are the exception: the dispute fee is charged when the dispute closes, regardless of the outcome. It is not charged for unauthorized purchase disputes where your representment meets the requirements.
- 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:
| Market | Standard Fee | Excessive Fee |
|---|---|---|
| AT, DE, ES, IT, FR, BE, NL, IE, FI, PT, GR, SK | EUR 15 | EUR 30 |
| SE | SEK 150 | SEK 300 |
| NO | NOK 150 | NOK 300 |
| DK | DKK 150 | DKK 300 |
| UK | GBP 10 | GBP 20 |
| PL | ZŁ 60 | ZŁ 120 |
| US | USD 15 | USD 30 |
| CA | CAD 20 | CAD 40 |
| AU | AUD 25 | AUD 50 |
| NZ | NZD 25 | NZD 50 |
| CZ | CZK 350 | CZK 700 |
| RO | RON 70 | RON 140 |
| CH | CHF 15 | CHF 30 |
| MX | MXN 250 | MXN 500 |
| HU | HUF 5,600 | HUF 11,200 |
Unlisted-market fees
For transactions in any market not listed above, the dispute fee will be USD 15 (standard) or USD 30 (excessive), or the equivalent in your settlement currency.
What is the Appeal Fee?
For disputes initiated on or after March 1, 2027, an appeal fee applies when you appeal a pre-arbitration decision and the appeal is lost. The fee covers the cost of re-reviewing the dispute and is charged in your settlement currency when the dispute closes. No appeal fee is charged if the appeal is successful.
| Settlement Currency | Appeal Fee |
|---|---|
| EUR | EUR 50 |
| SEK | SEK 500 |
| NOK | NOK 480 |
| DKK | DKK 330 |
| GBP | GBP 40 |
| PLN | PLN 200 |
| USD | USD 50 |
| CAD | CAD 70 |
| AUD | AUD 75 |
| NZD | NZD 90 |
| CZK | CZK 1,050 |
| RON | RON 240 |
| CHF | CHF 40 |
| MXN | MXN 900 |
| HUF | HUF 16,000 |
Appeal fee
For any settlement currency not listed above, the appeal fee is the equivalent of USD 50 in your settlement currency.
Klarna decides which lost disputes can be appealed. An appeal is only offered if the evidence you submitted in response to Klarna's request, while the dispute was in the
INITIATED state, included all the information requested. If it did not, the dispute cannot be appealed.Please note:
- The appeal fee is only charged when the appeal is lost.
- Once charged, the appeal fee is non-refundable.
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 Klarna Partner 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
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