Shop now, pay later with Klarna

Microsoft Store has partnered with Klarna to bring you new ways to pay at checkout. It’s a safe and simple way to get what you want, when you want it.

A person’s hand holding a phone with Surface Headphones 2 in the background.

Enjoy convenient payments

Klarna’s One-time card lets you buy what you love now, and pay later, with no interest or fees when you pay on time.1

Download the Klarna App to create your One-time card.

A Surface laptop, Surface mouse, and Surface Headphones 2 sitting on a table together.

Pay in 4

When you Pay in 4, Klarna splits your purchase into four interest-free payments when you pay on time.1
  
Klarna collects the first payment when you check out and the remaining three payments every two weeks.

A man looking at a mobile phone in his hand.

Monthly financing

In addition to Pay in 4, Klarna also offers monthly financing.3 It is a simple application process with an instant decision.

If approved, you can manage your payments and get payment reminders in the Klarna App.2

How it works

Step 1: Shop for products

Find the products you want to purchase on Microsoft Store.
A laptop open at an angle, showing the screen.
A laptop open at an angle, showing the screen.

Step 2: Add products to cart

Add items you wish to purchase to your cart, then sign in with your Microsoft Account to complete the checkout process. The full price of your items will display by default in your cart at this time.

Step 3: Get the app

Scan this QR code to easily download the Klarna app and create your Klarna account. Enter the total amount of your purchase and submit your application. If you’re approved, this will create a one-time card number for you to use at checkout.
A mobile phone screen showing a Q R code.
A laptop and mobile phone with their screens on display.

Step 4: Pay with Klarna

In the payment field, enter your one-time card number just like you would with any credit card and place your order.

Start shopping 

Surface

Showing %{start} through %{end} of %{total} items
See all
End of Surface

PC gaming deals

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See all
End of PC gaming deals

Tablets & accessories

Showing %{start} through %{end} of %{total} items
See all
End of Tablets & accessories

Frequently Asked Questions

  • A Klarna One-time card is a virtual single-use card that can be used for shopping at any US-facing online store, including Microsoft Store. Every time you create a One-time card with Klarna, you will be given a unique card number that you can use during checkout when completing your purchase, like any regular credit card. Each Klarna One-time card then follows its own payment plan that you can pay and manage in the Klarna app or on Klarna.com. Learn more here.
  • If you’re shopping from your desktop, shop as you normally would, adding your products to your cart to see your total. Next, using your mobile device, scan the QR code pictured above to download the Klarna app to your mobile device. Once you have downloaded the app and created your Klarna account, you will have the option to create a Klarna One-time card. Input the total amount of your purchase in the app and complete the rest of the prompts to secure your card. Proceed to Checkout on Microsoft.com and sign into your Microsoft account. Once in checkout, select “Credit card or debit card” under Payment method and manually enter your Klarna One-time card details to complete your order.

    If you’re shopping from your mobile device, download the app by clicking the “Download App” link. Once you have downloaded the app and created your Klarna account, search for “Microsoft” in the search bar on the home screen of the Klarna app. Continue to shop as you normally would, adding your products to your cart to see your total. Next, press the “Review and Checkout” button to see your total and sign into your Microsoft account. Press the pink “K. Pay” button on the bottom of the store page within the Klarna app and select “Create a One-time card” to complete the rest of the prompts and secure your card. Your Klarna One-time card details will auto-fill to complete the checkout.

  • There are no fees incurred when you pay on time. Klarna’s enhanced financing allows shoppers to buy now and spread the cost over time with interest rates as low as 0% for up to 6 months. There is no hard credit check when signing up for the One-use card. Klarna advises that it may perform a soft credit check, but it will have no impact on your credit score.
  • Depending on the payment option you choose when creating the Klarna One-time card, there may be a pre-authorization hold placed on the card. This ensures that enough funds are available on your credit or debit card to complete the purchase.
  • Once you apply for the Klarna One-time card, you can see in the Klarna app how much you are approved to spend. Klarna always offers the option to pay in 4 interest-free payments. Certain purchases may qualify the user to pay over a longer period of time. You can check your available balance on your Klarna One-time card by signing in with your Klarna account. If you have questions about the approved amount generated by Klarna for any one-time card, please contact Klarna Customer Service team by calling (844) KLARNA1 (844-552-7621).
  • If the purchase is unsuccessful, the Klarna One-time card will still be valid and you can try to complete the purchase again. If the error is ongoing, please contact Klarna Customer Service team by calling (844) KLARNA1 (844-552-7621).
  • Klarna One-time card purchases show up in the Payments section under Payment Options.
  • Microsoft Store’s refund policy applies to purchases, including purchases made using Klarna One-time card transactions. Learn more about returning items you bought from Microsoft Store for exchange or refund. If you need to return your Surface device after your purchase, and are within the 60-day return policy for Surface, you will be refunded just as you would with a regular credit card. You can also alert Klarna of your return through the Klarna app, and your payment schedule will automatically be paused and your payment will be refunded to the original form of payment.
  • Each Klarna One-time card will expire within 24 hours from issuance or after use, whichever is first. If it is not used and expires, you will need to create a new card.

    For any transactions at Microsoft Store, the Klarna One-time card credentials (e.g. card number, name, CVV) are stored in your Microsoft Account. Therefore, as your Klarna One-time card will expire within 24 hours or after the first use, we recommend you remove the used card from your Microsoft account to avoid card declines for subsequent purchases. If your Klarna One-time card expires before your one-time purchase within 24 hours from issuance, generate a new Klarna One-time card in your Klarna mobile app and use it in Microsoft Store’s checkout to finalize your purchase.

  • When you first create a Klarna One-time card, it will be connected to your personal debit or credit card. According to the payment option you chose when creating the Klarna One-time card, a payment plan will be created. Each purchase follows its own payment schedule and payments are made according to the agreed payment plan. The first payment won’t be charged until your order is shipped.
  • As the Klarna One-time card has a 24-hour expiration time or one-time purchase within the 24 hours following card generation, it is best to not use the Klarna One-time card for recurring subscriptions products like Microsoft 365 or Xbox Game Pass to avoid the cancellation of your services at the renewal date. If you do use your Klarna One-time card purchase a subscription product, please update your credit card details to a different payment method in your Microsoft account for your subscription service before the renewal due date.
  • No, you cannot use Klarna One-time cards to purchase gift cards.
  • No, the Klarna One-time card is intended to be used as the payment method at the time of purchase. For pre-orders, please use a standard credit card to ensure that you are charged only when your order ships.
  • No, neither AMEX nor Capital One cards are accepted when creating a Klarna One-time card.

The Microsoft Store Promise

Microsoft Store offers world-class customer support and guidance, ensuring that our customers find the best devices, games, apps, software, and resources for their personal and professional needs. Learn more.

Graphic of a shipping truck.

Fast, free shipping

Get your order in 2-3 days with no minimum purchase required.

Graphic of a package

Free returns

Return almost any product in like-new condition in its original packaging within 30 days. Get up to 60 days for Surface devices.*

Graphic of a download arrow

Instant software downloads

Install most apps and software, like Microsoft 365, Windows, and Xbox games, via digital download.

Graphic of a customer service associate

Free expert help

Get free expert help with shopping, orders, product training, and more.

  • [1] See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Finance Lenders Law license.

    [2] See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Finance Lenders Law license.

    [3] Monthly financing through Klarna issued by WebBank, member FDIC.

  • *Extended return offer period available with Surface devices purchased from Microsoft Store in select markets. Return process must be started within 60 days after customer received the device. Not available for purchases by reseller customers. Extended return offer period limited to 5 device returns total per eligible customer. Excludes Surface Hub. Void where prohibited or restricted by law. Microsoft reserves the right to modify or discontinue offers at any time. Other exclusions and limits may apply. Microsoft Store return policy applies to extended returns. See applicable Microsoft Terms of Sale for more information.

Step 1: Get the app

Download the Klarna app to your mobile device.
A mobile phone showing the screen display.
A mobile phone showing the screen display.

Step 2: Shop Microsoft Store

Browse Microsoft Store directly from the Klarna app, find the product or products you want to purchase, and add them to your cart.

Step 3: Pay with Klarna

Click K.Pay at checkout, create a One-time card, enter the amount of your payment in the Klarna app, and complete your purchase.
A mobile phone showing the screen display.

Start shopping 

Surface

Showing %{start} through %{end} of %{total} items
See all
End of Surface

PC gaming deals

Showing %{start} through %{end} of %{total} items
See all
End of PC gaming deals

Tablets & accessories

Showing %{start} through %{end} of %{total} items
See all
End of Tablets & accessories

Frequently Asked Questions

  • A Klarna One-time card is a virtual single-use card that can be used for shopping at any US-facing online store, including Microsoft Store. Every time you create a One-time card with Klarna, you will be given a unique card number that you can use during checkout when completing your purchase, like any regular credit card. Each Klarna One-time card then follows its own payment plan that you can pay and manage in the Klarna app or on Klarna.com. Learn more here.
  • If you’re shopping from your desktop, shop as you normally would, adding your products to your cart to see your total. Next, using your mobile device, scan the QR code pictured above to download the Klarna app to your mobile device. Once you have downloaded the app and created your Klarna account, you will have the option to create a Klarna One-time card. Input the total amount of your purchase in the app and complete the rest of the prompts to secure your card. Proceed to Checkout on Microsoft.com and sign into your Microsoft account. Once in checkout, select “Credit card or debit card” under Payment method and manually enter your Klarna One-time card details to complete your order.

    If you’re shopping from your mobile device, download the app by clicking the “Download App” link. Once you have downloaded the app and created your Klarna account, search for “Microsoft” in the search bar on the home screen of the Klarna app. Continue to shop as you normally would, adding your products to your cart to see your total. Next, press the “Review and Checkout” button to see your total and sign into your Microsoft account. Press the pink “K. Pay” button on the bottom of the store page within the Klarna app and select “Create a One-time card” to complete the rest of the prompts and secure your card. Your Klarna One-time card details will auto-fill to complete the checkout.

  • There are no fees incurred when you pay on time. Klarna’s enhanced financing allows shoppers to buy now and spread the cost over time with interest rates as low as 0% for up to 6 months. There is no hard credit check when signing up for the One-use card. Klarna advises that it may perform a soft credit check, but it will have no impact on your credit score.
  • Depending on the payment option you choose when creating the Klarna One-time card, there may be a pre-authorization hold placed on the card. This ensures that enough funds are available on your credit or debit card to complete the purchase.
  • Once you apply for the Klarna One-time card, you can see in the Klarna app how much you are approved to spend. Klarna always offers the option to pay in 4 interest-free payments. Certain purchases may qualify the user to pay over a longer period of time. You can check your available balance on your Klarna One-time card by signing in with your Klarna account. If you have questions about the approved amount generated by Klarna for any one-time card, please contact Klarna Customer Service team by calling (844) KLARNA1 (844-552-7621).
  • If the purchase is unsuccessful, the Klarna One-time card will still be valid and you can try to complete the purchase again. If the error is ongoing, please contact Klarna Customer Service team by calling (844) KLARNA1 (844-552-7621).
  • Klarna One-time card purchases show up in the Payments section under Payment Options.
  • Microsoft Store’s refund policy applies to purchases, including purchases made using Klarna One-time card transactions. Learn more about returning items you bought from Microsoft Store for exchange or refund. If you need to return your Surface device after your purchase, and are within the 60-day return policy for Surface, you will be refunded just as you would with a regular credit card. You can also alert Klarna of your return through the Klarna app, and your payment schedule will automatically be paused and your payment will be refunded to the original form of payment.
  • Each Klarna One-time card will expire within 24 hours from issuance or after use, whichever is first. If it is not used and expires, you will need to create a new card.

    For any transactions at Microsoft Store, the Klarna One-time card credentials (e.g. card number, name, CVV) are stored in your Microsoft Account. Therefore, as your Klarna One-time card will expire within 24 hours or after the first use, we recommend you remove the used card from your Microsoft account to avoid card declines for subsequent purchases. If your Klarna One-time card expires before your one-time purchase within 24 hours from issuance, generate a new Klarna One-time card in your Klarna mobile app and use it in Microsoft Store’s checkout to finalize your purchase.

  • When you first create a Klarna One-time card, it will be connected to your personal debit or credit card. According to the payment option you chose when creating the Klarna One-time card, a payment plan will be created. Each purchase follows its own payment schedule and payments are made according to the agreed payment plan. The first payment won’t be charged until your order is shipped.
  • As the Klarna One-time card has a 24-hour expiration time or one-time purchase within the 24 hours following card generation, it is best to not use the Klarna One-time card for recurring subscriptions products like Microsoft 365 or Xbox Game Pass to avoid the cancellation of your services at the renewal date. If you do use your Klarna One-time card purchase a subscription product, please update your credit card details to a different payment method in your Microsoft account for your subscription service before the renewal due date.
  • No, you cannot use Klarna One-time cards to purchase gift cards.
  • No, the Klarna One-time card is intended to be used as the payment method at the time of purchase. For pre-orders, please use a standard credit card to ensure that you are charged only when your order ships.
  • No, neither AMEX nor Capital One cards are accepted when creating a Klarna One-time card.

The Microsoft Store Promise

Microsoft Store offers world-class customer support and guidance, ensuring that our customers find the best devices, games, apps, software, and resources for their personal and professional needs. Learn more.

Graphic of a shipping truck.

Fast, free shipping

Get your order in 2-3 days with no minimum purchase required.

Graphic of a package

Free returns

Return almost any product in like-new condition in its original packaging within 30 days. Get up to 60 days for Surface devices.*

Graphic of a download arrow

Instant software downloads

Install most apps and software, like Microsoft 365, Windows, and Xbox games, via digital download.

Graphic of a customer service associate

Free expert help

Get free expert help with shopping, orders, product training, and more.

  • [1] See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Finance Lenders Law license.

    [2] See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Finance Lenders Law license.

    [3] Monthly financing through Klarna issued by WebBank, member FDIC.

  • *Extended return offer period available with Surface devices purchased from Microsoft Store in select markets. Return process must be started within 60 days after customer received the device. Not available for purchases by reseller customers. Extended return offer period limited to 5 device returns total per eligible customer. Excludes Surface Hub. Void where prohibited or restricted by law. Microsoft reserves the right to modify or discontinue offers at any time. Other exclusions and limits may apply. Microsoft Store return policy applies to extended returns. See applicable Microsoft Terms of Sale for more information.
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