[Fix] Klarna one-time card not working

Are you someone having issues with Klarna one-time card?

Is your Klarna one-time card not working for you?

Well, if you are encountering problems and looking for ways to fix them, you have reached the right web page.

Here, you can check out the possible reasons for the problem with Klarna one-time card, along with a guide to fix it.

Why is Klarna one-time card not working

Quick Answer: Klarna one-time card is not working because the card is expired or it is not supported in your region. Other issues like poor credit card and violation of Regulatory Standards can also cause issues with Klarna One-Time card.

Klarna is a famous, Sweden-based finance-tech firm, which offers various services payments for online storefronts and direct payments along with post-purchase payments.

Klarna can be used to create a one-time card. One-time card is nothing but a virtual debit card by Klarna, which can be used only once by the Klarna user if they are eligible to use the service. Users can choose to pay any amount using the one-time Klarna card on any supporting store.

Well, we must not say ‘any amount.’ It is because you can choose only the amount from a range provided to you. And this range is decided by Klarna only by considering the credit report of the user.


1. One-time card is expired

The very common reason why your Klarna one-time card is not working is that your one-time card is expired. Klarna one-time card expires after 24 hours of its creation. You will have to use the one-time before 24 hours time window.

Fix – Use the card before the 24 hours time window. And if a card is already expired, it will be canceled automatically, and you can create a new virtual card with no extra cost.

2. Poor credit score

Klarna is a great app that can be used to pay at the store to buy things if you are in a great need. It’s a buy-now-pay-later app that spots you some amount that has to be paid later on scheduled time.

Klarna can be used to pay any amount in a specific range. And to decide this range, Klarna asks to access your credit report. In easy words, Klarna will only let you borrow money if you have the ability to return it back.

But, even after using Klarna services once, you might not be eligible to use the one-time card service again, if your credit score is not up to the mark.

Fix – Maintain your good credit score by paying or credit debts on schedule.

3. Used One-time card in non-supporting country

Klarna is available in almost all major countries. If you have made sure that Klarna works in your country, there are still many reasons why Klarna is not working for you.

First of all, you can only use Klarna in – Sweden, Norway, Finland, Denmark, Germany, Austria, the Netherlands, Belgium, Switzerland, France, Italy, Poland, Spain, Portugal, Great Britain, Hungary, Czech Republic, Slovakia, the USA, and Australia.

You can use Klarna one-time card to pay for an international payment. But, according to Klarna checkout global feature, you can only make payments in these currencies – AUD, CAD, CHF, PLN, DKK, EUR, GBP, NOK, SEK, and USD.

Fix – If you use Klarna services like one-time card payment to pay for a delivery address of a country, not in the list mentioned above, a one-time card won’t work for you. Always consider the supporting country and currency before you create your one-time card.

ALSO READ: Does Klarna work with Chime

4. Shipping address doesn’t match billing address

Well, if you are made sure that Klarna supports the local and global payment to your country and still shows the problem, you must consider checking the address.

In order to use the one-time card, you will be asked the billing address. And if the billing address doesn’t match your shipping address, you won’t be able to use the Klarna one-time card for your current purchase.

If you are using a bank debit card, you can make payment for the shipping of the goods at any location. But, that is not the case with the Klarna one-time card.

Fix – You can create a new Klarna one-time card for making payments. And this time, make sure that your billing address matches the shipping address.

5. Violations of Regulatory Standards

Klarna can be used with almost every major online store out there. One-time card can be used just like a debit card. You can select the amount and use it at the checkout of the purchase.

But, according to Klarna, one-time card service cannot be used for making purchases in all the stores. And therefore, you won’t be able to use the Klarna services if your purchase violates regulatory, ethical, and risk standards.

Below we are mentioning the type of purchase for which your Klarna one-time card might not work.

  • Bill or rent payments
  • Gift card providers
  • Governmental agencies
  • Medical care
  • Online gaming or gambling
  • Rideshare services
  • Subscription services
  • Selling of drugs or alcohol

Fix – Never use the Klarna one-time card for making purchases to any unethical services at any store. And if you are unable to use Klarna one-time card, we must check out the list provided below to find possible violations of the Klarna standards.

You will be able to use Klarna card for making purchases on stores like Amazon for any stuff.

6. Wrong contact details

While creating a one-time card, Klarna asks the users for details like billing address, contact, and many more. And as we mentioned in the previous part, you won’t be able to use Klarna if the shipping address doesn’t match the billing address.

Similarly, if you do not submit the correct contact details, you won’t be able to use the Klarna one-time card. Klarna uses contact details for verification purpose.

Fix – Enter your correct phone number, active email address and other asked details to use the Klarna one-time card as usual.

7. Klarna services issues

We have tried out best to enlist all the possible reasons why your Klarna one-time card is not working. And we believe the above-listed reasons will definitely help you to find out the real issues with your one-time card services on Klarna.

But, if you cannot fix the problem, and Klarna one-time is not working for you, we suggest you check out this last reason.

Sometimes, Klarna might not work for you because of services issues. Klarna provides online services, and because of any technical glitches, you might face multiple problems with Klarna services.

And the technical issue might have caused a problem in Klarna one-time card as well.

Fix – Well, to be honest, there is nothing you can do about the technical glitches occurring in the services. But, you can always keep an eye on the server status page.

Websites like Downdetector.com can help you find out if others face the same issues. And once confirmed, you must avoid using the services for a while. Check out Klarna official server status page for more insight.

And once you have waited enough, you should try using the Klarna one-time card again for making the purchase.

MUST SEE: Why is my Klarna Not working

Final Words

And that’s all, ladies and gentlemen.

Here, we have discussed all the possible reasons why Klarna one time card is not working for you.

And along with the reasons, we have provided the ways to fix the issues. Check out all the reasons here.

Further Reading:

Fix: Klarna ‘sorry we can’t complete this purchase’

Does Klarna accept Current Card

[Fix] Why won’t Klarna accept my card

Does Klarna accept Venmo

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