Does Klarna place a hold on my card for the full amount of the Ghost card?

If you select Pay Now, we will authorize the full amount of the purchase plus the $4.00 convenience fee. If you select Pay in 4, we authorize your payment card for part of the total amount plus the first $1.00 of the convenience fee. This ensures that the funds are available on your credit or debit card. The first payment won’t be charged until you place an order and the store accepts it. If you change your mind before completing a purchase, just cut up your Ghost card in the app. Once you cut up a Ghost card or it expires, the pending authorization will drop off in 5-7 business days, although the exact timing depends on your financial institution.

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