Klarna is a popular payment provider that has gained widespread adoption across various e-commerce platforms. It offers a range of payment options to customers, such as “buy now, pay later,” and installment plans.
However, not all cards and banks are accepted by Klarna, which can be a concern for customers who are interested in using their services.
In this article, we will take a closer look at what cards and banks Klarna accepts, and explore some factors that can influence whether or not your preferred payment method will work with this payment provider. \
Whether you’re a merchant looking to offer Klarna as a payment option or a customer trying to determine if your preferred payment method will work with Klarna, this article will provide you with the information you need to make an informed decision.
Understanding Klarna Payment Options
Klarna is a Swedish shopping fintech company that offers a variety of services, including “Buy now, pay later,” that will make purchases easier and more convenient for customers to make. Customers can pay for their purchases later, either within 14-30 days or in installments over several months, without incurring interest or fees.
Klarna was previously available only at select stores but is now accepted by all online retailers. This gives customers the advantage of being able to try items before paying and not having to wait for refunds to appear in their bank accounts if they decide to return items.
Klarna is known for its focus on customer experience and user-friendly interfaces, which has helped to make it a popular choice among both customers and merchants. The company is headquartered in Stockholm, Sweden, and has offices in several other countries around the world.
What Banks Does Klarna Accept?
When using Klarna’s online banking payment method, customers can connect their bank account with the payment provider to make purchases directly from their bank account.
Klarna supports a range of banks across the European Union, and each country may have different banks working with Klarna. Below are some of the accepted banks:
In the European Union, Klarna partners with major banks, such as BNP Paribas, Bunq, Crédit Agricole, Deutsche Bank, Fidor Bank, HSBC, and UniCredit.
In the UK, Klarna accepts banks such as ABN Amro, Banco Sabadell, Bank of Scotland, Barclays, BBVA, Citi, Danske Bank, Handelsbanken, Lloyds Bank, Metro Bank, NatWest, RBS, Santander, Société Générale, The Co-Operative Bank, and Ulster Bank.
In Belgium, Klarna accepts banks such as Argenta, Axa Bank, Bank Nagelmackers, Belfius, Beobank, BNP Paribas Fortis, Crelan, ING, KBC, Rabobank, and Société Générale.
In Germany, Klarna works with banks such as ABN Amro, ING, ING DiBa, Santander, Sydbank, and UBS.
In the Netherlands, Klarna accepts banks such as ABN Amro, Argenta, ASN Bank, Beobank, Handelsbanken, ING, Rabobank, Regiobank, and SNS.
In Italy, Klarna partners with Banca MPS, Banca Nazionale del Lavoro, Banco BPN, BBVA, CheBanca!, Credit Agricole Italia, UBI Banca, and other banks.
In Spain, Klarna accepts banks such as Banco Sabadell, Bankia, BBVA, CaixaBank, ING, Santander, and UBS.
Finally, in France, Klarna partners with Crédit Mutuel, La Banque Postale, Société Générale, UBS, and other banks.
What Cards Does Klarna Accept?
Klarna accepts all credit and debit cards, such as Visa, Mastercard, American Express, and Discover. Customers can add their preferred credit or debit card to their Klarna account and use it to make purchases at participating merchants.
While Klarna accepts all credit and debit cards, the fintech company doesn’t accept prepaid cards.
Which payment methods does Klarna accept?
Klarna accepts various payment methods, depending on the country in which the payment is being made. However, some of the most commonly accepted payment methods by Klarna include:
- Credit and debit cards: Klarna accepts major credit and debit cards, such as Visa, Mastercard, and American Express.
- Online banking: Klarna allows customers to make payments using their online banking credentials. This option is available in select countries.
- Installment plans: Klarna offers installment payment plans to customers, which allow them to spread the cost of their purchases over time.
- Pay Later: Klarna’s “Pay Later” option allows customers to complete their purchase and pay for it at a later date.
Klarna is a popular payment solution that allows customers to make purchases and defer payment for up to 30 days or split the payment into smaller installments.
Klarna accepts a variety of cards, including Visa, Mastercard, and Maestro. Additionally, the company partners with various banks across different countries.
With the flexibility of payment options and a wide range of accepted cards and banks, Klarna has become a convenient payment solution for online shoppers across the EU.
Ken Anucha studied Information Technology at Sikkim Manipal University. He is a gaming and sports enthusiast whose aim is to keep folks in these spheres thoroughly informed and up-to-date.