Klarna & Buy-Now-Pay-Later Scams
BNPL scams — how buy-now-pay-later is exploited by fraudsters.
Last reviewed: 1 June 2026
Buy-now-pay-later (BNPL) services like Klarna, Afterpay, and Laybuy make purchases accessible by spreading costs — but they also attract fraudsters who exploit the frictionless approval process to commit identity fraud, fake store scams, and return fraud. Victims may also be manipulated into using BNPL to pay scammers while believing they are making a purchase.
This guide covers the fraud types most associated with BNPL services, the warning signs, and the protections to apply.
Common scams using Klarna & Buy-Now-Pay-Later
Identity theft BNPL applications
Fraudsters use stolen personal details to open BNPL accounts, leaving victims with unexpected debt.
Fake stores accepting BNPL
Fraudulent online shops integrate BNPL at checkout to add legitimacy, collect the payment, and deliver nothing.
Account takeover for purchases
Scammers access an existing BNPL account and make purchases that are delivered to a different address.
BNPL used in romance scams
An online partner asks the victim to use BNPL to buy gift cards or goods that are then sent to the scammer.
Common red flags
- Notification from a BNPL provider about an account or order you did not create
- Online stores that prominently feature BNPL as the primary or only payment method
- Requests from an online contact to make a purchase using BNPL on their behalf
- BNPL statements for purchases you do not recognise
- Websites with BNPL logos but no other credible payment options or reviews
How to protect yourself
- Monitor your BNPL accounts for purchases you did not make and set up alerts
- Freeze your BNPL account immediately if you suspect identity theft
- Research online stores independently before using BNPL — a payment logo does not verify the seller
- Never make BNPL purchases on behalf of someone you have not met in person
- Check your credit report regularly for BNPL accounts opened in your name
How to report it
- Contact your BNPL provider immediately to dispute unauthorised accounts or purchases
- Report identity fraud to your national identity protection or fraud service
- File a police report if your identity was used to open accounts
Frequently asked questions
Am I responsible for BNPL debt if someone else opened the account in my name?
No — if the account was opened using your details without your consent, this is identity fraud. Report it to the BNPL provider and your national fraud service immediately. You should not be held liable for fraudulent debt.