How do the different Klarna Card payment methods work?

By default, your Klarna Card is always in debit mode. You'll need to set up a plan each time you want to Pay later.
  • Pay in full (debit): Add money to your Klarna balance and future purchases are paid instantly from that balance - just like with a regular debit card
  • Pay later: Before your next purchase, apply to create a Pay later plan in the Klarna app. Your plan can be funded either from your Klarna balance or from your connected payment card, and the cost is split into installments. The Pay later plan will apply to your next one purchase only.
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