Due to the high competition in all companies, including applications, they must find a way to stand out from the rest so that customers go to their service as the first or only option.
Because of this, Klarna has implemented in its services a tool called “Ghost Card,” which will provide different benefits to users who have it. Therefore, we will explain how it works and what to expect.
Why would I apply for a Klarna One Time card?
The answer is simple: because of the security they offer. Klarna One Time Cards are prepaid cards that you can only use once. Thus, once you use it, it will lose its validity.
These cards are created through the official Klarna application and can be used in most stores in the United States that accept prepaid card payments.
Another reason to apply would be the speed at which your payments would be made, as you could pay for your purchase just by logging into the Klarna app.
My Klarna One Time card was declined; why could this be?
There are several reasons why your Klarna One Time card could have been declined. It could have happened because you exceeded your purchase limit or amount. This limit will depend solely on how long you have been using Klarma and how many purchases you have made as a user.
Another possible reason you might be declined is if they consider the transaction you are making suspicious. In these cases, Klarna activates its fraud protection and will not process the purchase.
One of the actions they consider suspicious is when the user requests many phantom numbers in a short time.
How do Klarna One Time cards work?
Using the Klarna One Time card is simple. You have to request a unique card through their application, and after that, you should receive the unique card number. This number is the one you will use for your purchases, and it works the same way as a credit card.
In addition, these One Time cards allow users to manage payments with different payment plans. You can also pay through the app in installments.
If you are concerned about not having enough funds when making purchases, they provide the option to link it to your credit or debit card through authorization on your card.
How do I create my Klarna One Time cards?
Once you are in the application, follow a few simple steps. First, choose the “Create a new one time card” option. After that, you must enter your personal information and the amount you want your one-time card to have.
You can also link it to your credit or debit card. This way, the money used with your unique card will be deducted from your linked cards within 24 hours of generating the card, not from your purchase.
You will then receive your unique card number. You can use this number at the cashier by selecting your credit card as your payment method and then adding your unique card number, along with the expiration date and code.
If you spend less than what you deposited on your unique card, you can request a refund in the “Refund” option. This tool will allow you to modify the amount of your unused money.
If this is not done, the remaining amount will automatically be adjusted after 14 days. In addition, it should be remembered that this card is a one-time use card and can only be used within 24 hours. After this time, the card expires, and you will have to create a new one to make your purchases.
References
-
“What Is a One-Time Card and How Does It Work? | Klarna US.” Klarna: Shopping Levelled-up on a Global Scale, https://www.klarna.com/us/customer-service/what-is-a-one-time-card-and-how-does-it-work/.