Klarna accepts major credit and debit cards issued in the U.S., such as Visa, Discover, and Mastercard.
Buy Now, Pay Later (BNPL) services are blowing up—and it’s easy to see why.
They let you grab that luxury bag you’ve had your eye on without draining your bank account all at once.
Klarna is one of the top BNPL platforms, offering flexible payment options so you can pay upfront, later, or in installments. With over seven million monthly users and 200,000 retail partners (including big names like Amazon, Nike, and Walmart), Klarna is a go-to for many shoppers.
But does Klarna accept the cards you have?
In this article, we’ll break down the credit and debit cards Klarna accepts so you can see if this BNPL provider works for you.
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. This is because it is a fintech company that provides 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 doesn’t allow their credit cards to support Klarna purchases, but you can still use their debit cards.
How to Use Klarna In-Store
Using 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, then tap your phone on the store’s 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, 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.
