Country guides
Shopify holds & Klarna bans — by country
How Shopify Payments, Klarna and local BNPL providers handle holds, reserves and bans in your country. Pick a market to see typical hold durations, common reasons and how to fight back.
🇺🇸
United States
Shopify Payments (Stripe), PayPal, Affirm
Hold: 120 days standard, often extended to 180 for high-risk verticals
🇬🇧
United Kingdom
Shopify Payments, Klarna UK, Clearpay
Hold: 90–120 days
🇩🇪
Germany
Klarna DE, Shopify Payments, PayPal, SOFORT
Hold: 120 days
🇫🇷
France
Shopify Payments, Klarna FR, Alma
Hold: 90–120 days
🇸🇪
Sweden
Klarna SE (home market), Shopify Payments, Swish
Hold: 60–90 days for Shopify
🇦🇺
Australia
Shopify Payments AU, Afterpay, Zip, Klarna AU
Hold: 120 days