Products and services

How to use Klarna

Who can use Klarna?
Where can I use Klarna?
Can I use Klarna to purchase gift cards?
Can I use Klarna to pay for subscriptions and on-demand services?
How much am I eligible to spend?
Can I pay in-store using Klarna?
Why was I charged a service fee?
Does Klarna charge an annual fee?
How can I avoid late fees?
Why can’t I make a payment to Klarna whilst traveling abroad?
How can I make a formal complaint to Klarna?

Klarna Credit Card

How do I apply for a Klarna Credit Card?
How do I pay for my Klarna Credit Card purchases?
Why was my Klarna Credit Card purchase declined?
When will I receive my Klarna Credit Card refund?
How do I block or cancel my Klarna Credit Card?
Why was I denied a Klarna Credit Card?
What should I do if my Klarna Credit Card is expiring soon?
What is Purchase Power?
How do I unblock my PIN?

Credit score & credit checks

Does Klarna perform a credit check and will this affect my credit score?
Does Klarna report to credit bureaus?

Payment options

What is Pay later in 30 days?
What is Pay over time and how does it work?
How can I use Klarna on Apple Pay?
Why are not all payment methods available at the checkout?

One-time card

What is a One-time card and how does it work?
What happens if my purchase is for a different amount than the One-time card?
What if I never use the One-time card and want to cancel it?
Why was the One-time card purchase declined?

Services

How can I turn the Cookie Service on and off?
How do I change my data sharing preferences for Sign in with Klarna?
How does Auto-track work?

Klarna referral and rewards

How do Klarna referrals work?
Who is eligible to refer friends?
Where can I see my reward?
When do I receive my reward?
Why haven't I received my reward?
Is there a maximum number of referrals?
Can I refer someone in a different country?
Can I share my referral link on social media?
How will I know when my friend completes a qualifying purchase?
How can I redeem my reward?
What if my friend uses someone else's referral link?
Does cashback expire?

Monthly financing through Klarna and One-time card bi-weekly payments with a service fee to shop anywhere in the Klarna App issued by WebBank. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. Copyright © 2005-2026 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards, Financing, Klarna Card): THIS IS A LOAN SOLICITATION ONLY. KLARNA INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

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