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flag Klarna and Clearpay now enforce stricter checks on BNPL users to cut fraud and defaults, potentially blocking or delaying purchases.

flag Starting in early 2026, shoppers using Klarna and Clearpay will encounter additional identity and financial checks before completing Buy Now Pay Later transactions, as both companies implement stricter verification measures to reduce defaults and fraud. flag The changes, part of broader industry efforts to improve financial stability, may delay or block some purchases for users with inconsistent credit histories or incomplete verification.

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