Klarna, the AI-powered payments and commerce network, unveiled the pilot launch of Klarna Card: a new debit product combined with access to built-in flexible payment options, powered by Visa Flexible Credential and issued by WebBank. Unlike traditional credit cards that can see consumers incur additional debt and interest charges, the Klarna Card will allow consumers to pay immediately or pay later when needed - online or in-store - at more than 150 million Visa-accepting merchants worldwide.

The Klarna Card is currently in a trial phase in the U.S., gathering feedback to refine the experience before a broader rollout in the U.S. and Europe expected later this year. This phased approach supports feature refinements, performance optimization, and ensures the product delivers a smarter, more flexible spending tool.

With over 5 million consumers already on the waitlist, the Klarna Card is the boldest step yet toward Klarna becoming an everyday spending solution in the U.S. The card comes with an FDIC-insured wallet, which allows consumers to store money and make real-time transfers, and deposits, and integrates directly with the Klarna Pay in 4 and Pay Later options—all in one seamless experience.

“We consistently hear from consumers that they want the freedom to choose how and when to pay - whether that’s paying now with debit or spreading the cost over time,” said David Sandström, Chief Marketing Officer at Klarna. “They want simplicity, flexibility, and transparency - all in one place. That’s exactly what has made Klarna payment methods so popular online, and now that same experience is coming to a physical card. The Klarna Card is the future of everyday banking - creating smart payments, to empower smarter shoppers.”

By combining access to spending, saving, and borrowing tools in one intuitive platform, Klarna is becoming a modern day global neobank for the digital-first consumer. The Klarna Card is a key step in this evolution - a transparent, tech-driven alternative to the products of traditional banks.

“Millions of people around the world have embraced the choice and control offered by Visa’s Flexible Credential, and we’re delighted to extend this to even more U.S. consumers, as well as bringing it to Europe for the first time,” added Mathieu Altwegg, SVP Product and Solutions, for Visa in Europe. “This is a pioneering example of a future where consumers will only need one card in order to have access to their preferred ways to pay, no matter where they are, or what they’re purchasing.”

*Klarna Card is issued by WebBank. Klarna balance account provided by WebBank, Member FDIC.