At Klarna, we strive to provide our customers with a seamless and convenient shopping experience. However, we understand that it can be frustrating to have a one-time card purchase declined, especially after being approved in the past. This comprehensive guide will shed light on why a one-time card purchase may be declined and provide valuable insights to help you navigate this situation.

Why Was Your One-Time Card Purchase Declined?

Approval or declining a one-time card purchase is based on an automated assessment. Our approval process is designed to ensure responsible lending practices and safeguard our customers’ financial wellness. While our Customer Service team empathizes with your situation, they cannot change the outcome of the approval decision as the assessment determines it.

Store Restrictions and One-Time Card Declines

If your one-time card was declined at the store’s checkout, it is possible that the store does not accept VISA cards. We recommend visiting the store’s website or contacting customer service for more information regarding payment restrictions. At Klarna, we aim to collaborate with various stores to offer a diverse shopping experience. While we do not individually review each store available in the Klarna app, there are certain categories of transactions that we generally decline to promote financial wellness and adhere to regulatory, ethical, and risk standards. These categories include:

1. Bill or Rent Payments: We do not support payments for bills or rent through our one-time card service.

2. Gift Card Providers: Our one-time card cannot be used to purchase gift cards.

3. Governmental Agencies: Transactions involving governmental agencies are generally not eligible for our one-time card service.

4. Medical Care: We do not facilitate payments for medical services or treatments through a one-time card.

5. Online Gaming or Gambling: Our automated assessment typically declines transactions related to online gaming or gambling.

6. Rideshare Services: Payments for rideshare services are generally not eligible for our one-time card service.

7. Subscription Services: We do not support recurring payments for subscription services using a one-time card.

8. Drugs or Alcohol: Transactions involving the purchase of drugs or alcohol are not eligible for our one-time card service.

Exploring Alternatives and Additional Information

If your one-time card purchase was declined, we understand you may seek alternatives or further guidance. Here are some related articles and frequently asked questions that may assist you:

– How Can I Get Approved to Pay with Klarna?

– What Happens if My Purchase Amount Differs from My One-Time Card?

– What if I Never Use the One-Time Card and Want to Cancel It?

– What is a One-Time Card, and How Does It Work?

These resources provide valuable insights and guidance on using Klarna’s one-time card service. We recommend exploring them to understand our service’s features and limitations better.

Klarna’s Commitment to Customer Satisfaction

At Klarna, we value our customers’ satisfaction and strive to address any concerns or issues promptly. If you require further assistance beyond what is provided in this guide, our dedicated Customer Service team is available 24/7 to chat with you. Visit our website and click on the chat option to connect with one of our knowledgeable representatives.


In conclusion, approving or declining a one-time card purchase is based on an automated assessment considering various factors to ensure responsible lending practices. While we understand that a decline can be disheartening, it is essential to note that our approval process is in place to protect your financial wellness. By understanding the potential reasons for a decline and exploring the resources we have provided, you can navigate through the situation more effectively and make informed decisions moving forward.

Remember, if your one-time card purchase was declined at a store’s checkout, it could be due to their specific payment restrictions. Reviewing the store’s website or contacting customer service for detailed information regarding accepted payment methods is always helpful.

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