Klarna accepts major credit and debit cards issued in the U.S., such as Visa, Discover, and Mastercard. As a top Buy Now Pay Later (BNPL) platform, Klarna offers flexible payment options, letting you pay now, later, or over time. With over seven million active monthly users and 200,000 retail partners worldwide—including big names like Amazon, Nike, and Walmart—Klarna is a go-to for many shoppers.
With BNPL services becoming more popular, knowing what kind of cards Klarna accepts can help you see if this BNPL provider works for you. In this article, we’ll dive into the details of what cards Klarna accepts and how you can maximize its features.
What Type of Cards Does Klarna Accept?
Klarna primarily accepts major debit and credit cards from the top providers. The app also supports Apple Pay as a Klarna payment option.
The following are the credit cards Klarna accepts:
- Discover
- Maestro
- Mastercard
- Visa
The following are the debit cards Klarna accepts:
- Capital One
- Discover
- Maestro
- Mastercard
- Visa
Meanwhile, here are the cards that Klarna does not accept:
- American Express
- Prepaid cards
- Cash App cards
- Foreign debit and credit cards
Does Klarna accept American Express?
No, Klarna does not accept American Express as a payment method.
Does Klarna accept Chime?
No, Klarna does not accept Chime cards. Sources say that this is because it is a financial technology company that offers banking services rather than an actual bank. Klarna only allows you to link accounts from established banks.
Does Klarna accept Capital One?
Yes, Capital One is an accepted Klarna payment option, but only for debit cards. Capital One does not allow their credit cards to support Klarna purchases, but you can still use their debit cards.
How to Use Klarna In-Store
To use Klarna when shopping in a store is similar to using a mobile wallet. However, you will have the option to buy now and pay later for a portion of the balance instead of paying it all upfront.
Follow these instructions to learn how to use Klarna in-store:
- Open the Klarna app and log into your account.
- Tap In-store from the home screen.
- Select the store you plan to shop.
- Follow the instructions to generate a digital card.
- Add this digital card to your mobile wallet.
When you’re ready to check out, simply access your Klarna in-store digital card from your mobile wallet and tap your phone on the card reader.
Extra Tip for Managing Klarna BNPL Payments
Managing payment schedules and deadlines with Klarna can be tricky despite its shopping convenience. To help you track all of them and avoid overspending, try Cushion. This app brings together all your BNPL payments from services like Affirm, Klarna, and Sezzle into a single, clutter-free dashboard. Moreover, it reports your BNPL payments to credit bureaus, making it easier to build your credit with payments you’re already making.
Summary
So, what cards does Klarna accept? Klarna primarily accepts major credit and debit cards such as Visa, Discover, and Mastercard. The platform also supports Apple Pay as a payment option. However, it’s important to note that Klarna does not accept Prepaid or Chime cards. Knowing what cards Klarna accepts can help you make informed decisions when using the service for future purchases.
