What is a One-time card, and how does it work?

Our One-time card is a virtual single-use card to use for shopping at any NZ-facing online store. Each time you create a One-time card with Klarna, you will be given a unique card number that you can use in the store’s checkout, like any regular credit card. Each One-time card then follows its own payment plan that you can pay and manage in the Klarna app or on klarna.com.

Please be aware that depending on the payment option you choose when creating the card, there might be a pre-authorisation hold placed on your payment card. This ensures that enough funds are available on your credit or debit card. This amount will be visible on your bank account as a pending transaction but will be released within 7 days if you end up not using the card.

How to create a One-time card

  • To create a One-time card, just choose to “Pay with Klarna” when you shop in the Klarna app or create a new One-time card from the “My Klarna” tab.
  • Enter the amount that you plan to spend (including taxes and shipping), and you’ll choose how you want to pay for it.
  • Once you’re ready to checkout, your address details will be filled in based on what we have on file. If we don’t already have your information, you will enter your standard billing and shipping addresses.
  • When you reach the payment method, select the credit card option, and enter the One-time card information as you would with any other card. Enter the card number, expiration date, and CVV. If asked for the name on the card, simply use your name.
  • If you end up spending less than the amount on your One-time card, you can either wait 14 days for your payment plan to be automatically adjusted, or you can change the spending amount of your One-time card by clicking ‘Refund unused amount’ on the order page here or in the app.

Good to know: A One-time card can only be used once and expires after 24h. If you want to make another purchase, just create a new card and keep on shopping.

Where can I use the One-time card?
Almost everywhere! Choose the ‘Browser’ tab in the Klarna app to use a One-time card at any online store. Just search for your favourite store in the search bar, create a One-time card, and use your card when you’re ready to checkout.

How do I pay for the purchases made with the One-time card?
When you create your first One-time card you will be asked to link your personal debit or credit card to your account as your repayment method.
Each fortnight 25% of your order will be charged to your payment method in accordance with the payment plan displayed when creating the One-time card.

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