One-time card
Pay with Klarna at any store
From big-ticket items to everyday essentials, pay for anything you need with a one-time card from Klarna.¹
Spread the cost and pay securely
Why do shoppers choose to pay with a one-time card from Klarna?
Split any purchase into 4 payments wherever Visa is accepted.¹
Create your card in seconds in the app or on Klarna.com.
Every one-time card is unique, making sure your personal information is safe and secure.
How it works
1. Log in or sign up
Log in or create an account online or in the app by clicking the button below.
2. Create a one-time card
Enter your desired purchase amount, including shipping and taxes. At this time, there is an approval process to issue the card, after which you’ll see the payment methods available to you.
3. Copy over the one-time card details
Paste the one-time card info at checkout as if it's a new Visa card.
4. Place your order
Enjoy your purchase and confidently manage your payments based on your chosen payment plan.
Shoppers love Klarna
100+ million people love to shop and pay with Klarna anywhere
"Love the convenience and auto payments to repay back quickly."
Rosa - 10th of June 2025
"Super convenient and easy!! Haven’t had any issues getting approved, set-up or making payments. Would recommend"
JC - 6th of June 2025
"I love the convenience and ease of Klarna, never any hassles along with being able to pay sooner if I need to as well!"
Traci - 23rd of June 2025
“Klarna is a awesome app. Very convenient and easy to use. Their payment plans are excellent and help make the purchases you want without the pressure of paying in full or added interest.“
Katy - 13th of February 2025
" Klarna is my favorite go to pay in installments app. They have a variety of stores that we all love shopping on . As well as paying in store is super easy. They never disappoint, Klarna is my 1st recommendation. "
KadijahLove - 8th of February 2024
Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.
Frequently asked questions
Questions on how to use a one-time card? Find your answers below. For any further help or trouble-shooting, please contact customer support.
The one-time card will expire automatically after 24 hours, or you can cancel the one-time card if it's no longer needed.
Any hold placed on your card will be released within 24 hours. Depending on your bank it can take up to 7 business days for the release to be reflected on your account.
Set the amount you intend to spend.
Connect the one-time card to your personal debit or credit card and choose your payment plan.
When you are ready to pay, select the Visa credit card option and enter the one-time card details in the checkout, as you would with any other card.
Pay for your purchase according to the payment plan you selected.
Good to know: The card expires automatically after 24 hours if it's not used. Any hold placed on your card will be released within 24 hours. Depending on your bank it can take up to 7 business days for the release to be reflected on your account.
No worries - you'll only be charged for what you end up spending.
Your payment plan will be updated automatically 14 days after the purchase to reflect the amount spent.
If you have already paid more, you will receive a refund; depending on your bank, it might take up to 7 business days for this to be reflected on your account.
You can always find active one-time cards on the Payments/ Wallet pages in the app.
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app:
¹ One-time card bi-weekly payments with a service fee between $0.75-$3 issued by WebBank. For example: a $160 purchase with a $40 down payment and $2 service fee results in a 21.97% APR, followed by three more biweekly payments of $40 (total repayment: $162). Subject to credit approval; minimum 25% down payment required.