Toast Buy Now Pay Later Pilot Guest FAQs

What are the requirements for using Klarna?

  • Klarna requires the following for a guest to use Klarna: a U.S.-issued debit or credit card, verification of identity and confirmation that you’re 18 years of age or older, a U.S. billing address, a phone number that receives text messages

When are guests' payments due?

  • When you "Pay in 4,", Klarna splits your purchase into 4 equal payments. Klarna collects the first payment when you check out. The remaining 3 payments are collected every 2 weeks. You spread the cost over 6 weeks, with no interest or fees when you pay on time.

Which payment methods are accepted?

  • Klarna accepts most debit and credit cards (Mastercard, Visa, AMEX, Discover). Please note: prepaid cards and EBT SNAP are not accepted.

Does Klarna impact my credit score?

  • When you Pay in 4 with Klarna, Klarna may conduct a soft credit check, which does not affect your credit score and is not visible to other lenders. Late payments, missed payments, or other defaults on your account may be reflected in your credit bureau report. For more information, contact Klarna.

What happens if I miss a payment?

  • Klarna will email you if your payment is unsuccessful. Klarna will also try one more time to collect it. If they can’t collect it a second time, then it will be added to your next payment along with a late fee. See complete terms and more information on late fees.

What are the minimum and maximum purchase amounts required to use Klarna?

  • The minimum purchase amount is $10. The maximum purchase amount is $1000.

Where can I learn more or ask additional questions?

  • Visit Klarna’s Help Center to learn more about Klarna. Download the Klarna app to chat with customer service. See complete terms.


*CA resident loans made or arranged pursuant to a California Financing Law license.