Pay with Klarna everywhere¹

1. What is the Klarna Card?

The Klarna Card is a flexible payment option that lets you pay directly from your Klarna balance like a debit card or pay later —giving you more control over your finances.

2. Does getting the card impact my credit score?

No, applying for the Klarna Card does not affect your credit score.

3. Who can get the card?

To be eligible, you must be a U.S. resident with a valid U.S. address, be at least 18 years old, and have a valid Social Security Number (SSN).

4. Does the card have any monthly or annual fees?

No, there are no monthly or annual charges with the Klarna Card. Charges may apply for using pay later plans or enrolling in a paid Klarna membership plan.  

5. Where can I use the Klarna Card?

You can use your Klarna Card anywhere Visa is accepted.¹ If you have a virtual card, you can shop online or in-store wherever contactless Visa payments are accepted by adding the card to your digital wallet. A physical card is included with the Member or Plus membership plan.

1. How do the two payment modes work?

• Debit mode: Pay instantly using your Klarna balance, just like any debit card.

• Pay later mode: Apply for a pay later plan for your next purchase and choose to pay from your Klarna balance or a connected card.

2. How do I switch between debit and pay later mode?

Switching is simple and instant in the Klarna app. Just tap "Plan a purchase" and request your preferred payment option before your next purchase. After you complete a pay later purchase, the card is automatically set back to debit mode. 

3. Do I need to have money in my Klarna balance to use the card? 

Only for debit mode—the card uses funds from your Klarna balance, just like a regular debit card.
For pay later mode, you don’t need money in your Klarna balance. You can choose to fund the payment plan using either your Klarna balance or a connected card.

4. Can I change the payment mode after I've made a purchase?

Not yet. Soon, you'll be able to convert debit purchases into pay later plans. For now, be sure to select your preferred payment method before completing your purchase.

5. Can I change the amount in my current pay later plan?

• In case of a higher purchase amount: You must cancel the plan you’ve set and then create another plan for the full purchase amount.

• In case of a lower purchase amount: No worries – you’ll only be billed for what you end up using, including the service fee.

6. How do I create a new pay later plan if Amazon hasn't processed my previous order yet?

If you've already used your Klarna pay later plan on Amazon and want to make a new purchase, first tap “Options” on your current plan, then select “Create a new plan”. Klarna will mark your previous plan as processing, allowing you to set up a new one immediately. Your original plan will automatically update once Amazon completes processing your order.

7. How do I use debit mode?

Simply add funds to your Klarna balance and use your card as you would any regular debit card.

8. How do automatic top-ups work?

In the Klarna app, tap your Klarna Card and activate automatic top-ups. Set your top-ups to occur regularly or whenever your balance drops below an amount you choose.

1. When will I be charged for a pay later plan?

You'll only be charged after you make a purchase and the merchant processes the payment.

2. How do repayments work with pay later plans?

Your scheduled repayments are clearly shown in the Klarna app Purchases tab just like any purchase. 

3. How do I cancel a pay later plan?

In the Klarna app, tap on the plan you created, and select “Cancel plan”.

4. Are there fees for using the Klarna Card?

There are no annual fees, and using the card in debit mode is free. Pay later options clearly display any fees or interest upfront in the app. Charges may apply when enrolling in a paid Klarna membership plan.

5. What if a payment doesn't go through?

If a payment fails, we'll immediately notify you in the app. You can retry the payment or easily contact our support team for assistance.

1. Can I use my Klarna Card abroad?

Yes, your card works internationally, making shopping abroad easy and convenient.

2. How do I track my spending?

All transactions—debit or pay later—are clearly tracked in the Klarna app.

3. Is the Klarna Card secure?

Yes, your card has robust security features, including real-time alerts and the ability to freeze your card instantly from the Klarna app.