One-time card
Pay with Klarna at any store
From big-ticket items to everyday essentials, pay for anything you need with a one-time card from Klarna.¹
Spread the cost and pay securely
Why do shoppers choose to pay with a one-time card from Klarna?
Split any purchase into 4 payments wherever Visa is accepted.¹
Create your card in seconds in the app or on Klarna.com.
Every one-time card is unique, making sure your personal information is safe and secure.
How it works
1. Log in or sign up
Log in or create an account online or in the app by clicking the button below.
2. Create a one-time card
Enter your desired purchase amount, including shipping and taxes. At this time, there is an approval process to issue the card, after which you’ll see the payment methods available to you.
3. Copy over the one-time card details
Paste the one-time card info at checkout as if it's a new Visa card.
4. Place your order
Enjoy your purchase and confidently manage your payments based on your chosen payment plan.
Shoppers love Klarna
100+ million people love to shop and pay with Klarna anywhere—rated 4+ on Trustpilot.
I’ve made several purchases using Klarna and love it!!
“I’ve made several purchases using Klarna and love it!! I’ve had to return items and the amount was adjusted as soon as the return was received. Very easy to use on the app and more stores are being added.”
- Staci
I am very much pleased with Klarna
"I am very much pleased with Klarna. I’ve used it to make a couple purchases and the process was easy both times. The app is easy to navigate and make payments. I will definitely use Klarna again in the near future."
- JS
Klarna is my favorite go to pay in installments app
"Klarna is my favorite go to pay in installments app. They have a variety of stores that we all love shopping on. As well as paying in store is super easy. They never disappoint, Klarna is my 1st recommendation."
- KadijahLove
I've been using Klarna for several years now and...
"I've been using Klarna for several years now and it's been a blessing. I'm able to get approved quickly for whatever purchase I have, I get comfortable payment installments, and if the store isn't on the app, I get a digital card to pay. Definitely recommended!"
- Rafael
Amazing company
"Amazing company, I wouldn't have the household items or clothes I wear if it wasn't for Klarna. 5 star service all the time.
Easy to use app and easy to create one time cards, especially easy to keep on top of payments and the opportunity to pay early is fantastic 👌"
- Jennifer
I love Klarna
"I love Klarna. You can literally use for any purchase by creating a one time card. Very easy to use and a lot of merchants to choose from."
- Angela G.
Customer reviews reflect their personal experience and opinion.
Frequently asked questions
Questions on how to use a one-time card? Find your answers below. For any further help or trouble-shooting, please contact customer support.
The one-time card will expire automatically after 24 hours, or you can cancel the one-time card if it's no longer needed.
Any hold placed on your card will be released within 24 hours. Depending on your bank it can take up to 7 business days for the release to be reflected on your account.
Set the amount you intend to spend.
Connect the one-time card to your personal debit or credit card and choose your payment plan.
When you are ready to pay, select the Visa credit card option and enter the one-time card details in the checkout, as you would with any other card.
Pay for your purchase according to the payment plan you selected.
Good to know: The card expires automatically after 24 hours if it's not used. Any hold placed on your card will be released within 24 hours. Depending on your bank it can take up to 7 business days for the release to be reflected on your account.
No worries - you'll only be charged for what you end up spending.
Your payment plan will be updated automatically 14 days after the purchase to reflect the amount spent.
If you have already paid more, you will receive a refund; depending on your bank, it might take up to 7 business days for this to be reflected on your account.
You can always find active one-time cards on the Payments/ Wallet pages in the app.
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app:
¹ One time card bi weekly payments with a service fee to shop anywhere issued by WebBank. Service fee of $1-$3 applicable and charged on your first payment depending on your order amount. First payment due at time of origination with each payments due every 2 weeks for a total of 6 weeks. One Time Card Biweekly Payments with a service fee to shop anywhere issued by WebBank.