My Klarna payment was declined what should I do?

Please contact Klarna directly, They use their own criteria for lending that is out of our control.

What should I do if my payment is declined? If you encounter a declined payment, please proceed to place your order again, as we cannot restore an order once a payment has been declined.

Steps to Take:

For a smoother transaction next time, consider these suggestions:

  1. Verify Card Details: Double-check your card information, ensuring accuracy with details such as the expiration date and billing address.
  2. Security Code: Ensure you input the correct security code, which is typically a three-digit number located at the back of your card.
  3. Contact Your Card Issuer: We aren't informed about specific reasons for payment denials, so it's advisable to get in touch with your bank or card provider for clarity.
  4. Alternate Card: If the issue persists, consider using a different card.
  5. Bank's Security Protocols: If your payment is declined due to SSL security measures, please contact your bank for more details.

If you encounter any payment issues with providers like PayPal, Klarna, Clearpay, or Laybuy, please note that as a retailer, we cannot resolve these issues. You must log in to or use their apps to manage your accounts with these providers. We are also unable to provide reasons why an order might be declined, as these providers operate under their own lending criteria. For any issues, please contact them directly.

If your order does not go through, you will need to place it again. If your order is successful, you will receive a confirmation email and an order number from Rug Love. If you do not receive these, it likely means your payment did not process successfully through your chosen payment provider. Please be aware that we cannot make changes or affect your accounts with these payment providers.

For any questions or concerns please contact us at We promise to address all inquiries within 3 hours during business hours.