Terms and Conditions

For all users

• Klarna Shopping Service

• Klarna Privacy Policy

• Klarna Fraud Liability Protection

• Klarna Recurring Text Message Program – Terms and Conditions

• Klarna Referral

• WebBank Privacy Notice

Licenses and Important Disclosures

• Klarna Inc. Licenses

• Important Disclosures

Pay with Klarna

• Pay in 4 installments

• Pay later

• WebBank Klarna Credit Card Agreement

• One-time card

• Pay in full by card

Pay over time

• Pay over time – WebBank Klarna – example ‘agreement’

• Upgrade financing (no longer available for new purchases since May 13, 2026)

Klarna balance & Klarna Card

• Klarna balance Deposit Account and Klarna Card Agreement

• Klarna balance Rates & Fees

• Klarna balance

Purchase and delivery information

• Auto-Track

Klarna Membership

• Klarna Membership Agreement