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Klarna Card
Klarna Card
All
About the Klarna Card
Order & delivery
Set up & activation
Using your Klarna Card
Klarna Balance & top‑ups
Using your Pay later plan
Payments, holds & refunds
Shopping at marketplaces
Limits & controls
Approvals & declines
Security & fraud
Using the Klarna Card abroad
Klarna Card lifecycle
Klarna Card disputes
About the Klarna Card
What is a 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 a virtual and a physical Klarna Card?
When will my Klarna Card arrive?
Can I order express delivery?
How do I track my Klarna Card delivery status?
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 the default in Apple Wallet/Google Pay?
How do I remove my Klarna Card from Apple Wallet/Google Pay?
Can I disable Klarna Card contactless payments?
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 a positive Klarna balance to use my Klarna Card?
Can I change the payment mode after placing a purchase with my Klarna Card?
Can I use my Klarna Card for subscriptions and recurring payments?
Can I use my Klarna Card to pay utility bills?
Can I withdraw cash with my Klarna Card at ATMs?
Can I use my Klarna Card for gambling?
How do Klarna Card contactless payments work?
How does 3D Secure work for Klarna Card purchases?
Klarna Balance & top‑ups
How do I use Klarna Card debit mode?
How do Klarna balance automatic top‑ups work?
What happens if my Klarna balance is negative?
Using your Pay later plan
Can I change the amount in my current Pay later plan?
Can I change the Klarna Card payment mode after a purchase?
When am I charged for a Klarna Card Pay later plan?
Where can I find my Klarna Card payment schedule?
How do I cancel my Klarna Card plan?
How do I change the payment method for a Klarna Card Pay later plan?
Why was my Klarna Card Pay later purchase charged as Pay in full?
I tried to Pay later, but the purchase was declined.
Why was my Klarna Card Pay in full purchase charged as Pay later?
I picked the wrong store in the checkout — does that matter?
Why was my active Klarna Card Pay later plan declined?
I spent less than my Klarna Card plan, how do I reset my Purchase power?
Can I use my Pay later plan for multiple purchases?
Payments, holds & refunds
When will I receive 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 do I see duplicate pending Klarna Card transactions?
Why did my Klarna Card online purchase fail?
My payment to Klarna did not go through, what should I do?
Why is my Klarna Card order/payment pending?
Why was my car rental or hotel deposit not reimbursed yet?
Shopping at marketplaces
What is a marketplace?
Can I use my Klarna Card with marketplaces like Amazon and Zalando?
My marketplace order is still processing and stuck —what can I do?
I made a purchase at a marketplace but I don’t see it yet in the Klarna app - 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 looks wrong—how do I fix it?
I see a Klarna Card marketplace order I didn't place, how do I cancel it?
How do marketplace orders placed with my Klarna Card affect my Purchase Power?
Limits & controls
What is Purchase Power?
Is my Purchase Power the same for my virtual and physical Klarna Card?
What is the maximum I can spend on my Klarna Card?
How do I change my debit card limits?
Approvals & declines
How can I improve my chances of approval for a Klarna Card Pay later plan?
I tried to Pay later, but the purchase was declined.
Why was my Klarna card purchase declined?
What happens if my debt is sent to collections?
Security & fraud
Is the Klarna Card secure?
I lost my Klarna Card, what should I do?
Using the Klarna Card abroad
Can I use my Klarna Card abroad?
Are there any fees when I pay abroad with the Klarna Card?
Where can I see the exchange rate for my payments abroad with the Klarna Card?
Klarna Card lifecycle
How do I freeze or block my Klarna Card?
Why was my Klarna Card frozen?
How do I replace my Klarna Card?
How much does a replacement Klarna Card cost?
How do I cancel my Klarna Card?
What happens if I cancel my Klarna Card?
What should I do if 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 is a Klarna Card dispute?
Which Klarna Card transactions can be disputed?
Is there a fee associated with disputing a transaction on my Klarna Card?
What rules and laws protect me when I dispute a Klarna Card transaction?
What is my obligation in a Klarna Card dispute?
What should I consider before creating a Klarna Card dispute?
How do I initiate a Klarna Card dispute?
What happens after I initiate a dispute for a Klarna Card transaction?
Can I still use my Klarna Card while a dispute is pending?
