Does Klarna accept the Chime?

Chime is a mobile banking option with no monthly or overdraft fees as low as $200. This fact makes it popular among people looking to switch bank holders. Does Klarna accept the Chime? Please read the article to know more.

Does Klarna accept the Chime?

Does Klarna accept the Chime

Unfortunately, if you’re looking to buy now and get a pay-as-you-go option with Chime, you’ll need to look elsewhere than Klarna. Chime debit cards do not work at all with Klarna.

It is really surprising as the Klarna website claims to accept all major debit and credit cards (issued by MasterCard, VISA, and AMex). And the Chime Debit Card is issued by Visa. Klarna’s website does not state anything specific to the effect that they do not accept Chime cards.

Digging further, we saw this question raised several times with Klarna in their app review. In November 2021, here is a response from Klarna in response to an in-app question on reasons for not accepting Klarna Chime

“Unfortunately, we have had to stop accepting Chime due to the number of declined payments. That has caused our customers to incur fees and, in some cases, led to collections accounts.

Klarna has temporarily stopped accepting the Chime card due to payment decline issues. However, due to Chime’s growing popularity, this may be a temporary issue as they have yet to call it an unacceptable payment method on their website.

In such a case, you can still add your Chime card to Klarna and try to see if it works. If it had not been supported at the time, you’d get a message that looked like, “Please use a different card; We don’t support your bank card yet. We are constantly working to increase the coverage.

However, there is a silver lining. You might still be in luck with a Chime Credit Builder card.

Please continue reading to learn about how Klarna and Chime work together. Additionally, we discuss common issues you may encounter when you link your Chime debit card to Klarna.

Differences between Klarna and Chime

  • Chime and Klarna are both online financial software that works like banks.
  • However, these options had yet to be owned by any banking institution.
  • Chime and Klarna are similar technologies but offer different benefits.
  • Both choices are safe and secure ways to buy items online.
  • People use Klarna to buy things now and pay for them later
  • Chime will make your payment check available two days in advance
  • Klarna doesn’t build your credit
  • Chime credit cards use interest rates
  • Klarna only works with major banking institutions
  • Chime allows you to open checking and savings accounts

Below we discuss the important differences you need to know about Klarna and Chime to help you understand why they may not work together.

Klarna allows you to buy items and pay later.

People mainly open a Klarna account because it allows them to make purchases even if they don’t have money readily available. You can use Klarna to buy the things you want online.

For example, if you want to buy something online for $600 but don’t have the money, you can use Klarna to pay for the item.

Klarna automatically withdraws funds from your bank account to repay the money you borrow without paying you interest.

The main reason people don’t want to use Klarna when making purchases is that when you’re late in returning an item, they charge late fees.

Chime works like a bank account.

Although Chime works like a bank account, it had not owned by an actual financial institution. However, you can set up direct deposit and savings accounts, although this option is optional.

Many people use Chime because it allows them to access their direct deposits faster than a standard bank account. It does not allow you to make purchases and pay for them.

People’s main complaint about Chime is that it is difficult to access their funds, and there is no personal support.

Common problems when linking Chime with Klarna

You can get a credit card through Chime that allows you to make expenditures and pay for them later, just like a regular credit card. Nothing happens when people try to link their Klarna account with their Chime debit card. Klarna will not allow you to check out if you use a Chime debit card to enter your payments.

Getting a credit card through Chime is better than using Klarna because it builds your credit. However, unlike Klarna, Chime Credit Builder charges interest rates. The only buy-now payment website that works with Chime is QuadPay. However, most retailers do not offer QuadPay as an option at checkout.

Why don’t chime cards work with Klarna?

Your question is, does Klarna accepts Chime? But the answer is Klarna does not accept Chime. Here are some reasons why Chime cards do not work with Klarna

  • Klarna does not accept debit cards from Chime as it is not a legitimate banking institution.
  • Klarna only accepts credit cards from major banking institutions such as Visa, Discover, and MasterCard.
  • You cannot use any prepaid cards with Klarna because there is no guarantee that those cards will reload, and Klarna will need help receiving their payments.
  • Some major banking institutions, such as Klarna or AfterPay, do not allow you to use the buy now, pay later option.
  • Capital One is well known for not supporting this payment option.
  • Klarna may also refuse to allow you to make purchases if you have a history of not repaying financial institutions.
  • They will run a credit check on you before approving your payment at checkout.


Unfortunately, if you use Chime as your primary banking system, you can’t use Klarna to buy things now and pay them back later. These options are not mutually exclusive.

However, Chime offers a credit card that allows you to build your credit and pay them back when you can. The only downside of this credit card is that they charge you an interest rate.

You can visit the Chime website to inquire about this credit card and determine if it is a good option. Having a credit card is very useful in case of emergency.

If Klarna refuses to accept your payment method, there may be something wrong with your banking institution, or they may not work together.


Which bank cards does Klarna accept?

Klarna accepts all direct debit and credit cards, including Visa, Discover, Maestro, and MasterCard.

Does Chime work with Afterpay?

You can now use your Chime account to pay for your Afterpay products.

Does Klarna accept prepaid cards?

Prepaid cards are not accepted. We accept all other major debit and credit cards. Credit cards had yet to accept purchases made with a Klarna card. You cannot cancel a payment while it is being processed.

Can you use PayPal at Klarna?

Klarna does not accept PayPal directly. PayPal cannot be a payment option for Klarna; customers must attach a Visa, MasterCard, or American Express debit or credit card.

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