Klarna Card

Über die Klarna Card

What is the Klarna Card?
Is the Klarna Card a Visa card?
Does applying for the Klarna Card affect my credit score?
Who can get the Klarna Card?
Does the Klarna Card have fees?
Where can I use my Klarna Card?

Order & delivery

How do I apply for a Klarna Card?
Do I get both a virtual and physical Klarna Card?
When will my Klarna Card arrive?
Can I get express delivery?
How can I track my Klarna Card delivery?
Can I change the delivery address for my physical Klarna Card after I've ordered it?
My Klarna Card was delivered to the wrong address. What should I do?

Set up & activation

How do I activate my physical Klarna Card?
How do I activate my virtual Klarna Card?
How do I add my Klarna card to Apple Wallet or Google Pay?
What is a virtual Klarna Card?
How do I set my Klarna Card as default in Apple Wallet/Google Pay?
How do I remove my Klarna Card from Apple Wallet/Google Pay?
Can I turn off contactless payments with the Klarna Card?
Can I change my Klarna Card PIN?

Using your Klarna Card

Where can I view my Klarna Card PIN?
Is the PIN the same for my virtual and physical Klarna Card?
Where can I view my Klarna Card details?
How long is my approved Klarna Card pay later plan active?
How do the different Klarna Card payment methods work?
Do I need money in my personal account to pay with my Klarna Card?
Can I use the Klarna Card for subscriptions and recurring payments?
Can I pay bills with my Klarna Card?
Can I withdraw cash at ATMs with my Klarna Card?
Can I use my Klarna Card for gambling?
How do contactless payments work with the Klarna Card?
How does 3D Secure work with Klarna Card payments?

Personal account and top-ups

How do I use the “Pay now” mode of the Klarna Card?
How do automatic personal account top-ups work?
What happens if my personal account goes negative?
How can I add money to my personal account?

Using your Pay later plan

Can I change the amount of my pay later plan?
Can I change the payment mode after making a Klarna Card purchase?
When will I be charged for my Klarna Card's pay later mode?
Where can I find my Klarna Card payment plan?
How do I cancel a Klarna Card plan?
How do I change the payment method for a pay later plan on my Klarna Card?
Why was my pay later purchase with the Klarna Card charged as debit mode?
Why did my pay later plan activate when I wanted to pay in full?
I selected the wrong store at checkout – does it matter?
Why was my active pay later plan for the Klarna Card declined?
Can I use my pay later plan for multiple purchases?

Payments, holds, & refunds

When will I get my Klarna Card refund?
Why was I charged more than expected for my Klarna Card purchase?
When will the temporary hold on my Klarna Card be released?
Why am I seeing duplicate pending Klarna Card transactions?
Why did my online purchase with the Klarna Card fail?
My Klarna payment failed. What should I do?
Why is my Klarna Card order/payment pending?
Why hasn't my car rental or hotel deposit been refunded yet?

Shopping at marketplaces

What's a marketplace?
Can I use my Klarna Card on marketplaces like Amazon and eBay?
My marketplace order is still processing and doesn’t seem to be moving forward. What can I do?
I bought from a marketplace but don't see the payment in the Klarna app yet. What can I do?
How do I create a new Klarna Card pay later plan while my previous marketplace order is still processing?
The amount for my Klarna Card Marketplace purchase is wrong – how do I fix it?
I see a Klarna Card marketplace order I didn't place. How can I cancel it?

Limits & controls

What's the maximum amount I can spend with my Klarna Card?
How do I change my debit card limits?

Approvals & declines

How can I improve my approval chances for a pay later plan with my Klarna Card?
Why was my “Pay later” purchase declined?
Why was my purchase with the Klarna Card declined?
What happens if my account goes to collections?

Security & fraud

Are Klarna Card payments secure?
I lost my physical Klarna Card, what should I do?

Using the Klarna Card abroad

Can I use my Klarna Card abroad?
Are there fees for using the Klarna Card abroad?
Where can I see the Klarna Card exchange rate for payments abroad?

Klarna Card lifecycle

How do I freeze or unfreeze my Klarna Card?
Why was my Klarna Card frozen?
How do I order or replace my Klarna Card?
How much does a replacement Klarna Card cost?
How can I cancel my Klarna Card?
What happens if I cancel my Klarna Card?
What should I do when my Klarna Card is about to expire?
My Klarna Card expired but I haven't received a replacement. What should I do?

Klarna Card disputes

What's covered by the Klarna Card dispute process?
Which Klarna Card transactions can be disputed?
Is there a fee for disputing a Klarna Card transaction?
What rules and laws protect me when disputing a Klarna Card transaction?
What's my responsibility when disputing a Klarna Card transaction?
What should I consider before filing a Klarna Card transaction dispute?
How do I dispute a Klarna Card transaction?
What happens after I submit a dispute for a Klarna Card transaction?
Can I keep using my Klarna Card during a dispute?

Debit Payment Fallback

What is Debit Payment Fallback?
How do I turn Debit Payment Fallback on or off?
How will I know if Debit Payment Fallback was used?
Will I earn cashback on purchases made with Debit Payment Fallback?
What if my payment still gets declined after using Debit Payment Fallback?

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