The Klarna Card is issued by WebBank, a Utah-chartered industrial bank, under a license from Visa U.S.A. Inc.; Klarna operates as the program manager rather than the card issuer.
This analysis describes what Klarna's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes the legal structure under which the Klarna Card is offered, with WebBank as the creditor of record, which determines the applicable regulatory framework including federal preemption of state usury laws and FDIC oversight.
Under this structure, the Klarna Card is a bank-issued credit product with WebBank as the legal issuer; cardholders' credit agreements are with WebBank, and disputes about credit card terms are subject to the regulatory framework applicable to WebBank-issued cards.
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"The Klarna Card is issued by WebBank pursuant to a license from Visa U.S.A. Inc.Excerpt from Klarna's Terms of Service
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This provision establishes the legal structure under which the Klarna Card is offered, with WebBank as the creditor of record, which determines the applicable regulatory framework including federal preemption of state usury laws and FDIC oversight.
Under this structure, the Klarna Card is a bank-issued credit product with WebBank as the legal issuer; cardholders' credit agreements are with WebBank, and disputes about credit card terms are subject to the regulatory framework applicable to WebBank-issued cards.
ConductAtlas has identified this type of provision across 273 platforms. See the full comparison.
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