(2023) Can I use Klarna to Pay Bills (Phone, Credit card, Utility)

Do you want to pay your phone bill or credit card bill with Klarna? Is it even possible?

Can you use Klarna to pay phone or credit card bills?

If you are wondering, can Klarna be used to pay bills? You have landed on the right page. Here we have explained all you need to know where Klarna works and where it doesn’t.

So, let’s get started.

Can I pay my phone bill with Klarna

No, you cannot use Klarna to pay your phone bill. Klarna can only be used to purchase items from online or offline stores.

Can you use Klarna for flights

Yes, you can use Klarna for flights via some agents, such as Alternative Airlines accepts Klarna as a payment method to book flights.

Alternative Airlines accepts Direct Debits to pay for flights through Klarna. This payment type is recommended as an alternative option to Sofort when choosing ‘Pay Now’ for the full purchase amount. All you need to do is complete a simple sign-up and enter your payment details to pay for flights now with Klarna and Direct Debit.

Countries that are eligible to pay now for flights through Direct Debit with Klarna: Sweden (SEK), Belgium, Spain, Germany, Italy, Finland (EUR), Norway (NOK).

To know more about how you can use Klarna to book flights with Alternative Airlines, you can visit their official website.

Can you use Klarna to Pay Bills

No, Klarna cannot be used to pay bills. You can only use Klarna to buy items from stores.

Can I use Klarna to pay my credit card bill

No, you cannot use Klarna to pay your credit card bill. 

Can I pay my electric bill with Klarna

No, you cannot pay electric bill with Klarna. Moreover, no ‘Buy Now, Pay Later’ platform offers methods for paying electric bill.

Can you pay utility bills with Klarna

No, you cannot pay utility bills with Klarna.

What is Klarna

Klarna is BPNL (Buy now pay later) app based in Swedish and founded in 2005. Currently, it serves users in 17 countries and has over 90 million active consumers. Klarna offers direct payments, pay after delivery options, and installment plans that let consumers pay when and how they prefer to.


How does Klarna work

Klarna offers two interest-free payment plans, namely the Pay in 4 and Pay in 30.

Pay in 4: The feature of Klarna lets you split your purchase into four equal parts. The first payment is due when the order ships, while the other three payments are due every two weeks, for a total period of six weeks.

Pay in 30: This plan of Klarna lets you buy an item without making any payment at the time of the purchase. When your order gets shipped, you will receive an invoice for the order by Klarna due 30 days later.

For more expensive items or purchases that are too big to be paid off in 30 days or even six weeks, Klarna offers paid financing features, that are based on personal details and also depend on the retailers selling the item. These monthly installment plans can range up to 36 weeks. 

Where can I use Klarna

You can use Klarna to shop and buy items online or offline from over 7500 retailers in the US.

Some of the famous stores that work with Klarna are:

  • Amazon
  • Lenovo
  • Nike
  • Overstock
  • Sephora

For more details about stores with which Klarna work, you can head over to Klarna’s stores section.

How to Use Klarna Online

Using Klarna online is really simple; you just need to log in to your Klarna account using its app or website. Now, you can search for stores here from where you can choose items. Once you select the items and add them to your shopping cart, you have to select Klarna as a payment method while checking out.

Confused? Follow the steps below:

  • Open Klarna app or Website.
  • Login to your account or create one.
  • Now, Select stores from which you want to shop.
  • Choose items you want to purchase.
  • Add items to shopping cart.
  • Select Klarna as Payment method while checking out.

In case, you want to purchase from a retailer that isn’t available on the Klarna website or not its partner, you can use Klarna’s one time card.

However, to use this card, you will first have to get it approved via the Klarna app or website. If approved, you will receive a one-time digital card that you can use to purchase from a retailer that isn’t a Klarna partner.

How to Use Klarna In Stores

To use Klarna in offline stores (bricks-and-mortar stores), you will need to get a Klarna one-time card that you can use with digital wallet apps such as Google Pay and Apple Pay.

You can only use a One-time card once and, if unused, the card expires after 24 hours. If you want to make another purchase, just create a new card and keep on shopping.

Final Words

Klarna, a Swedish-based buy now pay later app or service, lets its users pay for the items they purchase with pay in 4 and pay in 30 options as explained above.

Currently, Klarna works in 17 countries and has over 18 million monthly active app users. You can use Klarna, with over 7500 stores in the US.

As a recap of this post, Klarna can only be used to buy items online and in-stores. You cannot use Klarna to pay your phone bill, credit card bill, electricity bill, rent, etc. Although Klarna can be used to book flights using some third-party services such as Alternative Airlines, as detailed above in the post.

So, that’s all for now, guys. We hope you were able to better understand Klarna after reading this post. You can follow a few related stories below, or visit our Klarna section for more posts like this.

Further Reading:

[9 Reasons] Why is my Klarna Not working [Solved]

Why did my Klarna limit go down

Does Klarna work with Chime (2021)