Does Klarna Accept Chime | Other Cards That Work With Klarna

You might be aware that Klarna is a well-known Buy Now Pay Later service in the US and a number of stores now accept Klarna as a mode of payment. There is no need to go any further if you’re wondering, “Does Klarna accept Chime?”. Find out in full detail here whether Klarna and Chime are compatible or not.

What Will We Talk About Here?
  • You may use Chime Credit Builder Card, as it is compatible with Klarna.
  • Prepaid cards do not work with Klarna, but it accepts any major debit or credit card.
  • Currently, Mastercard, Visa, AMEX, and Discover are the only credit and debit cards that Klarna accepts.

…and Much More!

Does Klarna Accept Chime Cards?

Klarna does not accept Chime but Klarna accepts all major debit and credit cards that are issued by Mastercard, VISA, and Amex.

Importantly Visa issues the Chime Debit Card. Quite a contradiction, isn’t it? There is no clear policy mentioned on the website about not accepting Chime as a payment method. Some users were lucky in this matter as they could use Chime Card with Klarna.

  • On the other hand, some users are unable to do so! This ambiguity is rising many conflicting findings in this case. 

Klarna gave a statement in this regard as, “Unfortunately, we had to discontinue accepting Chime due to payment delays. That ultimately led to our consumers paying fees and in certain cases, collections accounts.”

What we can infer from this statement is that there were problems with payment declination which is why they have ceased taking Chime Card payments temporarily.

Klarna has not mentioned this policy on its website. This indicates that maybe it’s a short-term problem and they will restore the Chime Card payments.

  • You can still try your luck! Just add your Chime Card to see whether it works. If it does not, you will see a message.

“Please use a different card; we do not now help your bank’s card. Increasing coverage is something we focus on regularly. Do not lose your heart here, there is a bright spot existing for you. Chime Credit Builder Card may work with Klarna, so you can try that to see whether it works for you!”

You might be interested in reading: Klarna vs Quadpay.

Chime Credit Builder Card With Klarna

There are chances that you will get to use Klarna if you own a secured credit card from Chime, such as the Credit Builder Card.  Many people are preferring using the Chime Credit Builder card for payments in Klarna, despite the fact that there are plenty of other reliable options.

We would say this strategy is such a sensible approach, as using a Chime Credit Builder card reduces the likelihood of a payment decline, because you must first deposit the funds in a secured account with Chime.

  • It serves as the card’s maximum spending limit before using the card. 

It is also important to note that this approach is not guaranteed. Some customers have made reports that they need help to use or add a Chime Builder Card on Klarna. However, it is worthwhile to attempt because the chances of succeeding are higher than with the Chime debit card. Who knows you get lucky, and it works out for you!

Adding Chime Credit Builder Card In Klarna – Step-By-Step Guide

You can follow these guidelines to add as well as remove the Chime Credit Builder or any other card/bank account in Klarna:

Using Klarna Mobile App

  1. Open the Klarna application and sign into your account.
  2. In the settings section of “My Klarna,” choose “Payment methods.”
  3. Select “Add a card,” “Add a bank account,” or “Remove” from the menu.

Using Klarna Website

  1. Go to and sign in with your account.
  2. Click on “Payment methods.”
  3. Select “Add a card,” “Add a bank account,” or “Remove” from the menu.

Attention! Although you can keep as many cards as you’d like in your Klarna account, you can only save one bank account at a time. Once that account is gone, you can add a new one.

Cards Accepted By Klarna – Alternatives

Klarna presently accepts Mastercard, Visa, AMEX, Discover, and all other key debit and credit cards as per the regulations mentioned on the website. We would still recommend you to  watch out for the following though:

  • Generating a One-time card does not accept AMEX cards.
  • Capital One does not permit using its credit cards for Klarna purchases, although it does permit using its debit cards.
  • You cannot use Prepaid cards.

Buy Now Pay Later Options 

You may also want to know whether buy now, pay later financing affects your credit score.

There is a possibility that you might have seen or observed that some other well-known Apps like Afterpay, Affirm, and Quadpay(earlier known as Zip) work successfully with Chime. This is the reason why some Chime users now prefer using Quadpay as a fix to this hustle. 

Now, this is the pondering point for Klarna as they might jeopardize their market share by their competitors. This is the time for Klarna to consider the case of fully accepting Chime so that they can compete with the increasing demands of Chime users.

Even though Klarna supports itself with a sizable network of retailers and a sizable market share, the competition for BNPL apps is similarly intense and it is consistently rising with time. 

You might be interested in reading: Does Amazon Take Klarna?

The Bottom Line

For now, Klarna does not fully support Chime payments sadly. Perhaps, the situation is changing; therefore, you must try your luck and still attempt to see if Klarna takes your Chime Card.

There are most chances that you would be able to attach it, but you must have a Chime Credit Builder Card to make it work. We hope they’ll be able to overcome the problem and make it simpler to connect Chime with Klarna, given the constantly rising popularity of both apps.

Frequently Asked Questions

What types of credit cards does Klarna accept?

All standard credit and debit cards, including Visa, Mastercard, Discover, and Maestro, are accepted by Klarna. You cannot use prepaid cards here. Please be aware that Capital One does not support products that allow for BNPL.

What kind of card is Chime?

There is no prepaid debit card available from Chime. In contrast, Chime provides a fully functional deposit account, a fantastic alternative for prepaid cards. Your account supports interbank transfers via the Automated Clearing House (ACH) Network, pre-authorized withdrawals, and direct deposits.

Why won’t my bank card work with Klarna?

If you make so many transactions in a short period, you risk being turned down; in fraud prevention. The acceptance decision is based on several internal data points, including past payment history, rather than the credit score.

Is Chime a debit card?

You can open an account online and receive a checking account, a Visa debit card, and an additional savings account that is optional via Chime. A prepaid card does not have this connection. However, Chime’s debit card does. As a result, whenever you use your Chime debit card, your checking account is used to pay for your purchases.