Amazon does not support Klarna directly as a payment method. At checkout, Klarna is not listed as an option, whether you're shopping on desktop or mobile. That means you can't select Klarna’s "Pay in 3", "Pay Later" or "Financing" features while placing an order through Amazon’s own payment system. However, there are ways to use Klarna funds for Amazon purchases, but they require a workaround.
What Is Klarna
Klarna is a popular "buy now, pay later" service that lets users split purchases into smaller, interest-free payments. It's widely used across online and in-store retailers for flexible financing. Klarna offers a few key options: “Pay in 30 days,” “Pay in 3” interest-free instalments, or longer-term financing plans. It's designed to make purchases more manageable without traditional credit cards or high interest rates. Users manage their Klarna purchases through the Klarna app, where they can track spending and set up payment schedules.
How to Use Klarna on Amazon
You can’t pay Amazon directly with Klarna during checkout, but Klarna offers an in-app workaround. If you open the Klarna app, search for Amazon, and shop through Klarna’s in-app browser, you can request a one-time virtual card. This card acts like a debit or credit card and is linked to your Klarna payment plan. You then enter the card details on Amazon’s checkout page just like you would with a normal card. Klarna splits the cost as agreed in your payment plan, but from Amazon’s side, it simply receives a standard card payment.
How Does the Buy Now, Pay Later on Klarna Work with Amazon Purchases
Klarna’s buy now, pay later model lets users split purchases into manageable parts. With Amazon, this works by using Klarna’s virtual card generated in-app. Once approved for a virtual card, Klarna pays Amazon upfront, and you pay Klarna back over time. Options usually include paying in three instalments over 60 days or deferring the payment for 30 days. These terms are set within the Klarna app before you complete the purchase. If eligible, this allows for Amazon orders to benefit from Klarna’s flexible finance without needing Amazon to accept Klarna directly.
How Do You Link Klarna to Amazon
There’s no official link between Klarna and Amazon like there is with a typical payment platform. Instead, you "link" Klarna to Amazon by creating a virtual card in the Klarna app, which you then use at Amazon checkout. It’s a manual process that requires you to go through Klarna’s browser or app interface, not Amazon's. It’s not as seamless as paying with a card or stored payment method, but it works if you follow Klarna’s steps carefully.
Can You Buy Klarna Cards on Amazon
You can’t buy Klarna-specific gift cards on Amazon. Klarna doesn’t issue its own gift cards for use at retailers, and Amazon doesn’t sell anything branded under Klarna. However, Klarna users can use their Klarna account to buy Amazon gift cards through third-party retailers that accept Klarna payments. Once purchased, the gift card can be redeemed on Amazon just like any other card, effectively turning Klarna credit into Amazon spending power.
How Do I Use Klarna
To use Klarna, download the Klarna app and create an account. Once verified, you can browse shops that accept Klarna directly or use the in-app browser to shop anywhere online. For stores like Amazon, which don’t accept Klarna natively, you’ll need to generate a one-time-use virtual card. This card can then be used at checkout just like a debit or credit card. Klarna then handles the repayment schedule, either through instalments or delayed payment options, all managed through the app. Klarna will send reminders, show your payment dates, and offer customer support if you need help with a purchase.
Is Klarna Accepted for Amazon Subscriptions or Prime?
Klarna cannot be used for recurring payments like Amazon Prime, Subscribe & Save, or digital subscriptions. Even if you use a Klarna virtual card to pay for a one-off purchase, it won't work for ongoing charges. Klarna’s system isn’t set up for automatic billing or subscriptions, so these services still require a regular debit or credit card.
Does Klarna Offer Any Purchase Protection on Amazon Orders?
If you use Klarna’s virtual card to make a purchase on Amazon, you still benefit from Klarna’s buyer protection policies. This means you can raise disputes, pause payments, and contact Klarna if something goes wrong with the order. However, Klarna cannot override Amazon’s policies, so any issues like returns or refunds must still go through Amazon’s customer service first.
Are There Limits on Klarna Use for Amazon Purchases?
Yes, Klarna applies spending limits based on your account history, credit assessment, and the type of product you're trying to buy. Expensive items like electronics or bulk orders may not always be approved. Klarna decides whether to approve a purchase in real time, so there’s no guarantee your Amazon transaction will go through every time.
Can You Use Klarna in Amazon’s Mobile App?
You can’t use Klarna’s virtual card directly in the Amazon mobile app. To make it work, you need to access Amazon through the Klarna app’s built-in browser or copy the virtual card details manually and paste them at checkout. Some users find it easier to shop on desktop where there’s more flexibility.
Klarna vs. Amazon’s Own Payment Options
Amazon doesn’t accept Klarna, but it offers its own instalment options for select products. You might see "monthly payments" available on certain items, especially electronics. These are interest-free and handled directly by Amazon. Unlike Klarna, though, Amazon doesn’t let you split payments on everything — it’s limited to certain listings.
Can Klarna Be Used With Other Amazon Promotions?
When you use Klarna via a virtual card, you’re essentially making a card payment, so Amazon promotions tied to specific payment methods (like using a certain credit card or Amazon Pay) usually won’t apply. However, you can still use promo codes, gift cards, and apply your Amazon balance as usual.
Why Klarna Isn’t Accepted on Amazon (and What You Can Do)
Amazon has never formally partnered with Klarna, and there’s no indication that will change soon. This is partly due to competition. Amazon already offers its own flexible payment tools, including monthly instalments, co-branded credit cards, and Amazon Pay. Introducing Klarna would shift customer spending to a third-party service, taking control away from Amazon and potentially cutting into its financial ecosystem.
Another reason is customer experience. Klarna operates independently from Amazon’s infrastructure, meaning the two companies can’t easily share order details, handle disputes together, or streamline refunds. This lack of integration could create confusion or service gaps for customers, something Amazon tends to avoid by keeping payments in-house.
If you're looking to use Klarna anyway, the workaround is using the Klarna app’s one-time virtual card. This method isn't endorsed by Amazon, but it functions just like a credit card during checkout. The catch is Klarna has to approve each transaction, and you’ll need to manage payments within Klarna’s platform. It works — but it’s not seamless.
How to Use Klarna for Amazon Orders Safely
While Klarna’s workaround can be useful, it’s important to approach it with care. First, make sure you’re using Klarna’s official app or website. There are no Klarna plugins or browser extensions for Amazon, so any third-party tools claiming to connect the two should be avoided.
Before creating a virtual card, confirm your spending limit and repayment plan within Klarna. You don’t want to be caught off guard with declined transactions or tight deadlines. Klarna may reject high-ticket purchases or items that fall outside your eligibility.
When you enter your Klarna-generated card on Amazon, double-check the billing address. It should match the one Klarna has on file. Any mismatch can lead to failed transactions.
Finally, keep a record of your order confirmation from Amazon and Klarna’s payment schedule. If you return an item, Amazon will issue a refund to the virtual card, and Klarna will apply that credit toward your balance. The process works, but since you're managing two systems, staying organised helps prevent payment overlaps or refund delays.
Summary
Although Amazon doesn’t accept Klarna at checkout, there are ways to use Klarna for Amazon orders. By using the Klarna app to generate a virtual card, you can shop on Amazon while still taking advantage of Klarna’s buy now, pay later flexibility. It requires a few extra steps but opens up more payment options for people who prefer to spread out costs. While not fully integrated, Klarna remains a popular choice for shoppers looking for budget control, even when buying from retailers like Amazon.