Klarna has become a popular “Buy Now, Pay Later” (BNPL) option for online shoppers who want flexibility in their purchases. It allows customers to split payments into manageable installments or delay payments entirely for a set period. However, many customers are curious if they can use Klarna for their Amazon purchases, given Amazon’s vast reach as one of the world’s largest online retailers.
While Amazon doesn’t directly integrate Klarna into its payment options at checkout, there are still ways you can use Klarna to shop on Amazon. Below is an in-depth guide on how Klarna works, the ways you can use Klarna for Amazon purchases, and alternative solutions if you’re looking for BNPL options on Amazon.
Does Amazon Directly Accept Klarna?
No, Amazon does not directly accept Klarna as a payment option at its checkout. If you are hoping to select Klarna alongside credit or debit card options when checking out on Amazon, you won’t find Klarna as a listed option. However, that doesn’t mean Klarna can’t be used for Amazon purchases at all. There are creative workarounds that customers have found to still benefit from Klarna’s payment options when shopping on Amazon.
How to Use Klarna to Shop on Amazon
Even though Amazon doesn’t accept Klarna directly, you can still use Klarna to shop on Amazon by purchasing Amazon gift cards. Here’s how:
1. Purchase Amazon Gift Cards Through Klarna
Klarna users can purchase Amazon gift cards from a retailer that sells them and accepts Klarna as a payment option. Klarna partners with numerous online stores where you can buy Amazon gift cards. By using Klarna’s “Pay Later” or installment options to purchase the gift card, you can indirectly use Klarna to fund your Amazon purchases.
Steps:
- Open Klarna’s app or go to their website.
- Search for online retailers that sell Amazon gift cards and accept Klarna as a payment option.
- Select the gift card value and proceed to checkout.
- Choose Klarna as your payment method, then opt for “Pay Later” or split the payment into installments, depending on what Klarna offers at the time.
- Once you’ve purchased the gift card, you’ll receive a code or voucher that can be redeemed on Amazon.
- Use the gift card to make purchases on Amazon, just like any other payment method.
By using this method, you can still leverage Klarna’s BNPL features without directly needing Klarna to be integrated with Amazon.
2. Use Klarna’s Virtual Card for Amazon Purchases
Another way to shop on Amazon with Klarna is by using Klarna’s one-time-use virtual card, available through the Klarna app. This virtual card acts as a prepaid card that can be used anywhere Visa or Mastercard is accepted, including Amazon.
Steps:
- Download the Klarna app and set up an account if you haven’t already.
- Navigate to the app’s “Shop” section and search for Amazon.
- Klarna will generate a one-time-use virtual card with a preset spending limit based on your Klarna account.
- Add the virtual card to your Amazon account as a payment method, just like you would with a credit or debit card.
- Use the virtual card to make your purchase, and Klarna will split your payments or offer you the option to pay later.
This is another indirect yet effective way to use Klarna when shopping on Amazon.
Klarna’s Popular Features
While Klarna isn’t directly integrated into Amazon, its features make it one of the most flexible and widely used payment platforms at many other online retailers. Some of Klarna’s top features include:
1. Pay in 4 Installments
Klarna allows you to split the cost of your purchase into four equal payments, due every two weeks. This is a popular option because there are typically no interest or hidden fees as long as payments are made on time.
2. Pay Later in 30 Days
This option allows you to make a purchase but delay your payment for 30 days without interest or fees. You can receive your item, decide if you want to keep it, and then pay within the 30-day window.
3. Financing Options
For larger purchases, Klarna offers financing plans ranging from 6 months to 36 months. While interest may apply, this option provides flexibility for more expensive purchases that customers want to pay off over time.
4. Virtual Shopping
Klarna recently introduced a virtual shopping feature where customers can shop from participating retailers and use Klarna’s payment options without visiting the store in person.
What Payment Methods Does Amazon Accept?
While Klarna isn’t an option directly on Amazon, the platform offers a variety of payment methods. These include:
- Credit and Debit Cards: Visa, Mastercard, American Express, Discover, etc.
- Amazon Store Card: For financing directly through Amazon.
- Amazon Gift Cards: Which you can purchase via Klarna as described earlier.
- Amazon Secured Cards: Another financing option for customers.
- PayPal: Available for select Amazon Pay merchants, though not widely used directly on Amazon.
Klarna for Other Retailers
Although Amazon doesn’t offer Klarna, many other retailers have partnered with Klarna to offer flexible payment options. Some of Klarna’s key retail partners include:
- Adidas
- H&M
- Sephora
- Macy’s
- Foot Locker
These retailers integrate Klarna directly into their checkout process, allowing customers to select it as a payment option. If you are a frequent user of Klarna, it might be worthwhile to shop with retailers where you can use Klarna directly rather than working around limitations on Amazon.
Benefits of Using Klarna
Klarna offers numerous benefits to online shoppers, including:
- Flexibility: Klarna’s various payment options allow customers to pay on their own terms, whether they prefer installments, paying later, or financing.
- Interest-Free Options: Many of Klarna’s payment plans, such as “Pay in 4” and “Pay Later in 30 days,” are interest-free as long as you meet payment deadlines.
- Financial Control: Klarna provides customers with the ability to manage payments and make larger purchases without committing to upfront costs.
- Widely Accepted: Klarna is accepted by over 250,000 retailers worldwide, making it a convenient option for a variety of shopping needs.
Klarna’s Potential Expansion
As Klarna continues to grow in popularity, more retailers are likely to integrate Klarna into their payment methods. Amazon may eventually partner with Klarna as part of its payment offerings, though this has not yet been announced. Klarna’s expanding market presence suggests that its adoption will continue to rise across various industries.
Conclusion
While Amazon does not currently accept Klarna as a direct payment method, there are ways to work around this limitation by purchasing Amazon gift cards through Klarna or using Klarna’s virtual card. These methods allow you to enjoy the benefits of Klarna’s flexible payment options, even on a platform like Amazon that hasn’t yet embraced Klarna.
For customers seeking more flexibility with their payments, Klarna remains a top choice for a wide variety of online retailers. If you are looking for a smoother and more integrated Klarna shopping experience, exploring Klarna’s partners or using Klarna’s app to generate virtual cards for platforms like Amazon can help you enjoy Klarna’s services where they’re not officially supported.