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

Our One-time card service is a virtual single-use card to shop at any VISA card-accepting online store in the UK.*

Each time you use our One-time card service you will receive a unique card number to use in the store’s checkout, like any regular credit card. Each One-time card then follows a specific payment plan which you can manage and pay in the 


Please be aware that an authorisation hold might be placed on your payment card, depending on the payment option you use choose, when you use the One-time card service. This ensures that enough funds are available on your credit or debit card for first installment.

How to create a One-time card

  1. Shop with us in the Klarna app
    Choose Pay with Klarna when you shop in our

    or select the One-time card service in the .

  2. Set the spending amount

    Enter the amount, including shipping and service fee, that you plan to spend. After entering the amount, you will receive an overview of the agreement as confirmation.

  3. Checkout on the store’s site

    When you’re ready to check out, your address details will be prefilled based on our information on file. If we don’t have your information, enter your standard billing and shipping addresses.

  4. Pay with the One-time card service

    When you are ready to pay, 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 code.

  5. Check the app for updates

    If you end up spending less than the amount on the One-time card, you can change the spending amount by selecting Refund unused amount on the

    . Otherwise, the amount will automatically be adjusted after 14 days.

Good to know: You can only use a One-time card once and, if unused, the card expires after 24 hours. If you want to make another purchase, just create a new card and keep on shopping.

Where can I use the One-time card service?

At any VISA card-accepting online store in the UK. Just search for your favourite store in the search bar, create a One-time card, and use your card when you checkout.

How do I pay for the purchases made with the One-time card service?

When you create a One-time card it’s connected to your personal debit or credit card, according to the payment option you chose. Your first payment is debited 24 hours after the card is created and the following payments are automatically withdrawn according to the payment plan. You can view your plan, pay early and change your connected debit or credit card at any time in the app.

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*Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status.


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Copyright © 2005-2024 Klarna. Klarna Financial Services UK Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna Financial Services UK Ltd offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.