How Klarna Works

How to create a One-time card

Whether you’re setting up a One-time card for the first time, or you just want a refresher course on how it’s done, you’ve come to the right place.

The One-time card is a virtual, single-use card that can be used at any online store, and lives in the Klarna app. It works just like a regular card with a card number, expiration date, and security code. But, there are a few things that make your One-time card unique. It can only be used for 1 transaction. It expires 24 hours after creation. You don’t have to share your information with anyone but Klarna. And—no matter what you buy—you’ll be able to split the cost into smaller payments.

Found the perfect item? Great. You’re ready to create a One-time card. Here’s what you need to do:

1. Use the browser in the Klarna app to find any online store.
2. Add the items you want to your cart, and head to the checkout.
3. Fill in personal details and tap the ‘Pay with Klarna’ button.
4. Enter the cost of your purchase. And make sure to add a little extra $ to cover tax and shipping.
5. Copy your One-time card number and paste it in the payment field. Just like you would with any card.
6. Complete your purchase.

And that’s it! If it’s your first purchase, there may be a pre-authorization hold placed on your payment card to ensure there are enough funds available. But not to worry. We’ll let you know in the Klarna app when your payment is successful.

How does Klarna one time card work

With the Klarna card you can make a one time purchase online or in store and pay for it in 4 instalments instead of the full amount. This is great for large purchases on Amazon or even for travel purchases. The big advantage of a Klarna purchase is that these 4 split payments are 100% interest free a safe and legit option for anyone looking to spread their payments.

The following five steps will show you how the Klarna one time card works and how you can start spreading the cost of your purchases today.

  1. Download the Klarna app and if you haven’t already, sign up for the free service. Type our Url in Klarna's search bar (field search stores) on the app. 
  2. In the app choose to create a one-time payment card by clicking the “My Klarna” tab.
  3. Enter the amount you wish to spend via the one time card.
  4. You will then be given a one time card number with a valid expiry date. Your billing address should be the same as the address you have on file with Klarna.
  5. On the website you are purchasing from enter the Klarna card number and details.

30-day split payment is subject to credit check.

Learn More

Buy now, pay later – How does it work? | Klarna