klarna one

What is a Klarna One – Time Card, and How Does it Work?

Online shopping has become increasingly popular over the past few years. The fact that it makes shopping so much easier and you can do it in the comfort of your own home makes it a worthwhile task. 

The act of making or receiving payment without using tangible currency is referred to as a cashless transaction. This includes payments made using credit or debit cards, checks, Money Orders, NEFTs, RTGSs, or any other type of online payment that eliminates the necessity for cash. This will also include Klarna’s one-time card.

Cashless transactions allow for convenience, security, and the possibility of promos and discounts that will greatly be to the customer’s advantage.

What Is A Klarna One-Time Card?

One-time cards such as the one provided by Klarna are virtual cards that can be used for one-off purchases at any online business that accepts prepaid cards in the United States.

A One-Time card will be created for you by Klarna once you complete the registration process. This card number will be assigned to you, and you can use it at checkout just like any other credit card. Each one-time card will then have a specific payment schedule, which can be monitored and paid for directly from the app.

If you choose to pay by credit card when you register your payment card, you must be aware that an authorization hold may be placed on your payment card, depending on which option you selected. The purpose of this is to ensure that there will be enough funds available to cover the charges you have made.

How to create a Klarna One-Time Card?

Purchase with us using the Klarna app.

You can choose to Pay with Klarna if you are shopping in the app, or you can create a one-time card if you already have one. 

Decide on a budget.

If you believe you are expecting to spend a certain amount, including delivery, please enter that amount here. Upon entering the amount, you will be provided with an overview of the agreement as confirmation.

Visit the store’s website.

We will automatically prefill your address information based on the information we have on file when you are ready to check out. If we do not already have your billing and shipping addresses, we would appreciate it if you would provide them to us. 

Use your One-time card to pay.

If you choose to pay with a credit card, you will be prompted to input your One-time credit card information as you would if you were paying for a different card. You will need to enter your card number, expiration date, and CVV number.

Keep yourself updated.

There is an option on the purchase page that allows you to refund unused spending money if you spend less than the amount allocated on your One-time card. However, the amount will automatically change after 14 days if you do not use it.


Unless it is used within 24 hours, the one-time card may only be used once and will expire if not used within that time frame. In order to continue shopping, you will need to create a new card for each additional purchase.

How do I make a purchase with a Klarna One-Time Card?

You will have to link your One-time card to a debit/credit card when you establish it for the first time, depending on what payment method you choose. It is possible to implement a payment schedule for each purchase that is automatic. Payments based on this schedule are processed automatically in accordance with that schedule. It is possible to check your plan, pay early, and change your linked credit and debit cards in My Klarna at any time.

What if I never use the Klarna One-Time Card?

One-time cards expire after 24 hours if they are not used at checkout within that time period. If you do not need your One-time card any longer, you can simply cancel it within a matter of minutes.

Any payment plan you may have with us will be automatically terminated, and any holds placed on your credit card will be removed as soon as one of the above occurs. According to your financial institution, you may have to wait for 1 to 7 business days before this appears in your account.

You can cancel your unused One-time card starting with a few steps: You should go to the app and proceed to One-time cards or Orders, select the card or payment plan you want to cancel, and then tap Cancel Card.

To continue shopping, you will simply have to open a new card if you need to make another purchase.

Payment Plans with Klarna

There are quite a lot of payment plans that you have with Klarna:

It is possible to make biweekly payments, to delay payments for 30 days, or to finance a purchase over a period of six to 36 months. This offers a lot of flexibility.

You can choose to make payments bi-weekly, no payment for 30 days, or go ahead and finance your purchase for six to 36 months. You have all the flexible payment plans you need with how you wish to manage your finances.

If you are considering a medium-sized purchase, such as a handbag or gadget, making four monthly payments is a fantastic alternative. If it’s something you can afford right now, but you’re not sure if it’s the right item for you or your space, we recommend paying within 30 days so that you can make sure you love it.

How Does Klarna Affect Your Credit Score?

Depending on how you use Klarna, it can affect your credit score. The credit check you will receive from Klarna will not affect your credit score if you choose to pay in four installments or in 30 days. You will be required to undergo a thorough credit check if you choose to use Klarna to finance a larger purchase.

Where Can I Use The Klarna One-Time Card?

You can use the Klarna One-Time Card for any stores that are accepting prepaid card payments in the US. You can check on the app if the store you’d like to purchase from accepts the Klarna One-Time card. If you would like to use a One-time card for online purchases, you will need to go to the Klarna app’s Home page. Creating a One-time card for your favorite store is simple. Enter the store’s name into the search field, create your card, and use it at the checkout.


Now that you’ve been informed about what a Klarna One-Time card is, you can happily use it to your heart’s content. Take advantage of the benefits of using a Klarna One-time card, such as rewards and convenience.

Save Time, Money, & Resources

Categories: Credit Cards

Get Started

Ready for the ultimate credit card processing experience? Fill out this form!

Contact HMS

Ready for the ultimate credit card processing experience? Ask us your questions here.