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How to Use Klarna In-Store and Online

How to Use Klarna In-Store and Online

Using Klarna can be tricky, especially for the first time. With lots of options, the app tends to confuse at first. So, how to use Klarna?

On this page, you will learn to use Klarna online and in-store. The article also contains videos that show the service in action.


How to use Klarna

This video is all you need to learn to use Klarna. If you are a reader, then follow the tutorial below.

Understanding the interface

Klarna Interface
Klarna Interface

The interface splits into some major sections:

  1. Search bar to search for brands and products.
  2. Payments, shop with Klarna, and in-store to see the upcoming payments, see online and see in-store shops.
  3. Some quick options to navigate the app.
  4. Featured stores.
  5. The recently viewed section is visible when you swipe up.
  6. The main navigation is down the bottom.

The second navigation tab displays your saved brands and items, while you can check out your profile, payments, orders, active cards, order history, and more in the “My Klarna” section.

How to use Klarna in-store

Using Klarna In-Store

Before making your first purchase, you should check your payment method. In My Klarna, go to payment methods and see if a credit card has been added. If not, then add one now.

For in-store, you will need a phone that supports NFC and a payment app like Google or Apple Pay.

To use Klarna in-store, follow the steps:

  1. Open the Klarna app
  2. Tap on In-Store
  3. Search for the store (or tap on the last option if the store is not displayed)
  4. Read the Heads Up! text and tap on Continue Anyway
  5. Insert the total amount to spend and hit the Continue button
  6. Review the payment plan and hit continue

At this point, Klarna will charge you the first 25% installment, and a card will be displayed with an option to add the card to Google or Apple Pay (device dependent). Touch the button to add the card.

Once the card is added, you can use it on NFC-supported payment processing terminals.

What stores accept Klarna in-store

One of the best things about Klarna is that you can use it in any store in the supported region. The app supports a wide range of items, but it does not support some categories.

To find out the banned items, open the app and search for a brand. Tap on the last option if your brand name is not listed. A message will pop up suggesting what should not be purchased with Klarna.

Related: Klarna vs. PayPal

How to use Klarna online

Using Klarna Online

To use it online, open the app and search for your brand. If you can’t see that website, you can tap on the “search on Google option.” Here is a list of all supported stores in the US.

If you can’t see the store, you can continue because it supports stores that are not in their directory. Klarna is an app integrated with a browser, so you will see the brand’s mobile website.

From here, add items to your cart and go to the checkout page. Fill out the required information, such as billing and shipment address, and proceed to the payment section.

Here, we will select the credit card option. At this point, you will tap on the button “Pay with Klarna” located at the bottom center. A window will pop up with a button and your estimated spending limit.

  1. Touch the “Create a one-time card” button.
  2. The app sometimes detects the amount automatically, but if it can’t, you will see an option to enter the amount.
  3. The following screen displays the payment breakdown. The app will charge you the first installment, which is 25%, after touching this continue button.

If you don’t purchase the items, Klarna will return your 25% fee within a few days.

The next screen shows your plan due today, the total cost, and the payment method. You can tap the “confirm and continue” button to finalize the payment.

After that, it creates a ghost card to use on the brand’s website. The card has all the options you see on a credit or debit card.

You can copy the number, expiry, and CVV filed with one touch. For any reason, if you don’t use the card, the card can be found in the “my active cards” section of the app. The card expires 24 hours after creation.

Related: Klarna vs. Sezzle


The article covered how to use the Klarna app in-store and online. The interface may be a bit different when you use it, but the ways of using Klarna are the same.

Anyway, this is it for this article. I hope it helped. Please let me know if anything else should be added and if you have any questions below.