Our One-time card is a virtual single-use card to use for shopping at any VISA card-accepting online store in Australia.

Each time you create a One-time card with Klarna you will receive a unique card number you can use at the store’s checkout, like any regular credit card. Each One-time card then follows a specific payment plan which you can manage and pay in the app.

Please be aware that an authorization hold might be placed on your payment card, depending on the payment option you choose when you use the card. This ensures that enough funds are available on your credit or debit card.

1. Shop with us in the Klarna app
   Choose Pay with Klarna when you shop in our

   app
   or create a new One-time card from the
   app
   .

2. Set the spending amount
   Enter the exact amount, including shipping, that you plan to spend. After entering the amount, you will receive an overview of the agreement as confirmation.

3. Check out on the store’s site
   When you’re ready to check out, your address details will be prefilled based on our information on file. If we don’t already have your information, you will enter your standard billing and shipping addresses.

4. Pay with the One-time card
   When you are ready to pay, select the credit card option and enter the One-time card information, as you would with any other card. Enter the card number, expiration date, and CVV code.

5. Check the app for updates
   If you end up spending less than the amount on the One-time card, you can change the spending amount by selecting Refund unused amount on the

   purchase page
   . Otherwise, the amount will automatically be adjusted after 14 days.

Good to know: You can only use a One-time card once and, if unused, the card expires after 24 hours.

At any VISA card-accepting online store in Australia.

Just search for your favourite store in the search bar, create a One-time card, and use your card when you checkout.

When you create a One-time card it’s connected to your personal debit or credit card, according to the payment option you chose. Your first payment is debited 24 hours after the card is created and the following payments are automatically withdrawn according to the payment plan. You can view your plan, pay early and change your connected debit or credit card at any time in the

• What happens if my purchase is for a different amount than the One-time card?

• What if I never use the One-time card and want to cancel it?

• Why was my One-time card purchase declined?