Fix: Klarna ‘Unfortunately this option is not available. Please choose a different payment method’

When you try to check out using Klarna, do you see the message “Unfortunately this option is not available, please choose a different payment method?”

If that’s the case, you may relax since you’ve landed at the right place. We hope that our breakdown of what went wrong and how to solve it will be useful.

Why does Klarna say ‘Unfortunately this option is not available’?

Short Answer: If you receive the “Unfortunately this option is not available” message from Klarna, it may be because your app is out of date, the cache has not been cleared, your internet connection is slow, your balance is low, Klarna does not accept your card or bank account, you did not successfully complete the two-factor authentication, or the Klarna server is temporarily unavailable.

Klarna logo

If you see the following warning while trying to pay with Klarna: “Unfortunately, this option is not available. Please choose a different payment method,” then you probably failed Klarna’s soft check.

Whether or not you can use Klarna as a payment option at this moment is determined by a standard algorithm that gives you a score in a matter of seconds.

Having established the context for the problem, let’s move on to the solutions.

How to Fix: Klarna ‘Unfortunately this option is not available. Please choose a different payment method’

Method 1: Upgrade the Klarna app.

Many improvements have been made to Klarna over the years, from fixing problems to expanding its functionality to updating its user interface. The error may be due to the app being an older version of Klarna. Fixing this problem requires making sure Klarna is always up to date.

Just stick to these simple instructions to get the latest version of the Klarna app for your mobile device.

  • Step 1: Launch the App Store or Google Play Store

Launch the App Store or Google Play Store, respectively, on your iOS or Android smartphone.

  • Step 2: Simply search to find the Klarna app.
  • Step 3: Then, navigate to the Klarna app page.

Following that, the Update button will be displayed to check for updates.

  • Step 4: Click the Update button

Click the Update button, if one is shown, to complete the process.

Method 2: Make sure Klarna accepts your card or bank account

Before adding a card or bank account, make sure it is supported by Klarna, or Klarna won’t accept the payment method.

The error notice “Unfortunately this option is not available. Please choose a different payment method” indicates that Klarna is unable to process your payment because your chosen payment method is not one of those that Klarna accepts.

Klarna ‘Unfortunately this option is not available. Please choose a different payment method’
Image Source: Reddit

Method 3: Ensure that the two-factor authentication is successful.

Be careful to follow the instructions given to you by Klarna if your card issuer asks you to verify your identification before processing a Klarna payment.

You will get an error notice and be unable to finish the purchase if you do not comply with the requirements of two-factor authentication. Please try making the order again, but make sure you adhere to the guidelines.

Method 4: Give correct details

Some services, like the temporary virtual card, need you to give specific information before you may use them. In addition to the usual information associated with a debit card, such as expiry date, card number, and CVV, Klarna will also need your full name and billing address.

Be sure to verify all of your details before finalizing the transaction. If any of your details are incorrect, you’ll get an error warning.

Method 5: Establish a dependable internet connection.

Verify that there are no disruptions in your internet connection and that the connection is reliable enough for your needs. If you are having trouble connecting to the internet, try restarting your router.

If the free WiFi or limitless Internet service at home fails during the financial transaction, you may resort to utilizing your mobile data instead.

Method 6: Spend less than your Klarna allowance

Regular Klarna users will know that there is a limit to how much money may be withdrawn at once. However, the amount you may borrow is capped at a certain level by Klarna.

The maximum amount of credit an individual has access to is based on several criteria, including but not limited to their spending patterns, payment history, credit score, and more.

It’s possible that Klarna won’t process your order if you’re attempting to buy anything pricey on your very first try. If you’re making your first online purchase, we suggest looking for anything that costs less than $100.

Method 7: Wait for the server to be restored.

A loss of connection to the Klarna servers is possible at any moment, however, it occurs rarely. You can just sit tight till the server’s online status changes and cross your fingers.

However, there are several no-cost tools available online that may be used to monitor Klarna’s server health. A good place to look for Klarna is on Downdetector’s page.

Method 8: Empty the cache.

This issue may arise if the app’s cache has not been cleared in some time. If you’re encountering issues, it’s probably best to start again from scratch and delete the old data just in case it’s corrupt or out of date.

To clear the cache of Klarna, go to your device’s Settings, then tap on Applications, and finally choose Clear Cache.


1. Why aren’t all payment options shown when making a purchase?

Due to their objective of encouraging honest, reasonable, and judicious spending, Klarna does not accept all payment methods for all purchases.

The payment options made available on Klarna are dependent on several criteria, such as the buyer’s billing and shipping information, the total value of the transaction, the seller’s reputation, and the buyer’s past purchase and payment behavior.


There are a few reasons why Klarna may not function for certain people, or why they could get the warning “Unfortunately this option is not available. Please pick a different payment method,” as stated above. Nevertheless, as we’ve shown, there are steps you can do to guarantee that the problems aren’t on your end.

If the aforementioned solutions don’t work, you may call Klarna Support at 02030050833 or start a live chat with them on their website.