Casinos That Accept Klarna UK 2026: The Honest Breakdown Nobody Else Gives You

Casinos That Accept Klarna UK 2026: The Honest Breakdown Nobody Else Gives You

Here’s the uncomfortable truth about casinos that accept Klarna in the UK: there aren’t any worth your time. Klarna operates a Buy Now, Pay Later model — you purchase a sofa today and pay it off in three instalments over six weeks. The Gambling Commission has spent the better part of the last decade making it structurally impossible for BNPL products to touch gambling transactions, and that hasn’t changed heading into 2026. If you’ve landed here hoping to fund your account with Klarna, you’re about to get a lesson in payment regulation that’s more useful than another “top 10 casinos” list padded with affiliate links.

What follows is the full picture: why Klarna isn’t available at UK online casinos, what actually happens when you try, which regulated payment methods fill the gap, and how the ten operators listed below stack up when you use a card, e-wallet, or bank transfer instead. The UK market is heavily regulated, the operators are licensed, and the payment options are boring but reliable. That’s the point. Boring is good when real money is involved.

Why Klarna Doesn’t Work at UK Online Casinos

Klarna’s entire business model rests on one mechanism: extending credit to consumers for purchases they haven’t fully paid for yet. In the UK, Klarna is authorised by the Financial Conduct Authority (FCA) as a regulated BNPL provider, and its terms of service explicitly exclude gambling transactions. This isn’t a technical glitch or a temporary suspension — it’s a deliberate commercial and regulatory decision. Klarna knows that if it facilitated gambling deposits, it would face the same scrutiny that credit card issuers already deal with under the Gambling Act 2005 and subsequent amendments.

The Gambling Commission’s position on credit-funded gambling has been consistent since the 2020 review of online gambling: operators must not offer credit as a deposit method, and payment providers must not facilitate gambling transactions funded by credit products. Klarna, as an FCA-regulated credit provider, falls squarely into that category. A 2022 Gambling Commission consultation paper explicitly flagged BNPL products as a risk area, noting that the blurred line between “spending money you have” and “spending money you don’t” was particularly dangerous in a gambling context. The Commission didn’t need to ban Klarna specifically — the existing framework already made it untenable.

What does this mean in practice? When you attempt to deposit at a UK-licensed casino using Klarna as a payment method, you won’t find it listed. Not buried in the payment options, not hidden behind a “more methods” tab, not available “in select regions.” UK-licensed operators simply don’t offer it, because offering it would put them in breach of their licence conditions. The payment method isn’t greylisted or restricted — it’s absent. And if you try to use Klarna’s virtual card to route around the block, you’re likely to hit a decline at the merchant level, because Klarna’s own merchant category codes exclude gambling.

There’s a deeper structural issue too. BNPL products thrive on frictionless spending for tangible goods — a mattress, a pair of trainers, a holiday. Gambling deposits are the opposite of that: they’re high-risk, high-churn transactions where the “purchase” evaporates within minutes. Klarna’s risk models aren’t built for that, and their credit exposure would be unpredictable. A BNPL provider whose customers lose money they don’t have is a regulatory nightmare waiting to happen. So Klarna stays out of UK casinos. Permanently, as far as anyone can tell.

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What Happens When You Try to Use Klarna at a Casino

Three scenarios play out, depending on how you attempt it. First, you look for Klarna in the deposit options at a UK-licensed casino and don’t find it. This is the most common outcome and the most straightforward — the method simply isn’t offered. Second, you try to use Klarna’s virtual card number (the one they issue for online purchases) to fund a casino deposit. In most cases, this transaction gets declined because the casino’s payment processor identifies the merchant category and blocks the charge, or Klarna’s own system flags it as an excluded category. Third, you attempt to use Klarna at an offshore or unlicensed site that claims to accept it. This is where things get genuinely dangerous, and not for the reasons you’d expect.

Offshore sites that advertise Klarna as a deposit method are, almost without exception, not licensed by the UK Gambling Commission. They operate under licences from jurisdictions like Curaçao or Anjouan, where regulatory oversight ranges from minimal to theatrical. Depositing via Klarna at such a site means you’re spending borrowed money at an operator with no obligation to pay you back if things go wrong, no responsible gambling tools you can actually enforce, and no recourse to the UK’s dispute resolution mechanisms. It’s the financial equivalent of lending your car keys to a stranger because they promised to fill up the tank.

The payment processing layer adds another problem. Even if a transaction goes through at an unlicensed site, Klarna may later dispute it — their terms prohibit gambling transactions, and a chargeback could leave you in a dispute with both the casino and Klarna simultaneously. You’d be chasing a refund from an operator that doesn’t respond to emails, while Klarna’s collections department politely reminds you that you still owe them the money. Two fronts, zero leverage.

And there’s a credit score angle that nobody mentions. Klarna performs soft credit checks when you open an account and may perform hard checks for higher limits. Regular gambling-related transactions on a Klarna account — even if they somehow go through — could trigger risk reviews that reduce your limit or close your account entirely. Klarna has been tightening its risk controls since 2023, and gambling-adjacent activity is exactly the kind of thing their algorithms flag. Losing your Klarna account over a casino deposit is a poor trade by any measure.

The Top 10 UK Casino Operators and What They Actually Accept

The operators below are the ten most prominent names in the UK online casino market heading into 2026. None of them accept Klarna — that’s the whole point of this section. What they do accept is a range of regulated payment methods that work reliably, clear your account quickly, and keep your financial data where it belongs: with licensed institutions. The ranking reflects market presence, product range, and the overall experience a UK player can expect. It is not a recommendation to gamble, and it is not a guarantee of any specific bonus or payout timeline.

1. LiveScore Bet — Operated by LiveScore Group and licensed by the UK Gambling Commission, LiveScore Bet has carved out a niche by tying its casino product to real-time sports data. The casino side offers a solid slots library and live dealer tables, with deposits accepted via debit cards (Visa, Mastercard), bank transfers, and selected e-wallets. Withdrawals to debit cards typically clear within one to three working days; e-wallet withdrawals are often faster. Minimum deposits are generally in the £5–£10 range. The operator’s integration with its sportsbook means cross-product promotions are common, though the wagering requirements attached to them are standard rather than generous.

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2. Betway — One of the most recognised names in UK gambling, Betway operates a full casino, sportsbook, and live casino under a UK Gambling Commission licence. Payment methods include Visa, Mastercard, bank transfer, PayPal, and Skrill. Betway’s withdrawal processing is competitive: e-wallet withdrawals are frequently completed within 24 hours, while card withdrawals take two to three working days. The minimum deposit is typically £10. Betway’s casino library is extensive — hundreds of slots, multiple blackjack and roulette variants, and a live casino powered by Evolution Gaming. The welcome offer rotates regularly, but the wagering requirements attached to casino bonuses tend to sit in the 50x range, which is worth factoring into any calculation you make about expected value.

3. JackpotJoy — Part of the Gamesys group (now owned by Bally’s Corporation), JackpotJoy is one of the longest-running casino brands in the UK. It focuses heavily on bingo and slots, with a smaller but well-curated live casino section. Accepted payment methods include debit cards, PayPal, and bank transfers. Withdrawals to PayPal are typically processed within 24 hours; debit card withdrawals take one to three working days. Minimum deposits are usually £10. JackpotJoy’s strength is its community feel — chat rooms, bingo rooms with active moderators, and a loyalty programme that rewards consistent play rather than big spenders. The wagering requirements on its bonuses are moderate, and the terms are written in plain English, which is rarer than it should be.

4. Lottomart — Lottomart takes a different approach: it combines lottery betting with a casino product, allowing players to bet on the outcome of international draws (including EuroMillions and US Powerball) alongside slots and table games. Payment methods include debit cards, PayPal, and bank transfers. Withdrawal speeds are consistent with the market — e-wallets within 24 hours, cards within one to three working days. Minimum deposits start at £10. The lottery-betting angle is genuinely distinctive: instead of buying a ticket, you’re placing a bet on the numbers, and the odds and prizes mirror the official draw. It’s a niche product, but it fills a gap that traditional casinos don’t touch.

5. Mr Vegas — Operated by Videoslots Limited and licensed by the UK Gambling Commission, Mr Vegas offers one of the largest slot libraries on the market — over 9,000 titles from more than 100 providers, which is roughly four times what most UK casinos carry. Payment methods include debit cards, Trustly, PayPal, Skrill, and bank transfers. E-wallet withdrawals are typically processed within hours; card withdrawals take one to three working days. Minimum deposits are usually £10. The sheer volume of games is the headline, but the operator also runs a transparent “Battle of Slots” tournament system with published prize pools. Wagering requirements on bonuses are standard, and the operator publishes its RTP statistics openly, which is a level of transparency most competitors don’t match.

6. Double Bubble Bingo — Another Gamesys/Bally’s brand, Double Bubble Bingo centres its product around the popular Double Bubble slot franchise and a range of bingo rooms. Payment methods include debit cards, PayPal, and bank transfers. Withdrawals to PayPal are typically fast — often within 24 hours — while card withdrawals take one to three working days. Minimum deposits are generally £10. The bingo rooms run on a schedule that covers peak and off-peak hours, and the community features (chat, mini-games between rounds) are well-developed. For players who prefer slots with a bingo twist rather than a full casino experience, this is a focused product rather than a diluted one.

7. Unibet — Part of the Kindred Group, Unibet is a long-established European operator with a strong UK presence. The casino offers a wide range of slots, table games, and a live casino section. Payment methods include Visa, Mastercard, PayPal, Skrill, bank transfers, and Trustly. E-wallet withdrawals are typically processed within 24 hours; card withdrawals take two to three working days. Minimum deposits are usually £10. Unibet’s live casino is one of its strongest features, with dedicated tables and regular promotions tied to live play. The operator also runs a poker platform and a sportsbook, making it one of the more comprehensive gambling products available to UK players.

8. talkSPORT BET — A newer entrant that leverages the talkSPORT radio brand, talkSPORT BET offers a sportsbook and casino product under a UK Gambling Commission licence. Payment methods include debit cards, PayPal, and bank transfers. Withdrawal speeds follow the market standard — e-wallets within 24 hours, cards within one to three working days. Minimum deposits are typically £10. The brand’s connection to sports media gives it a distinct identity, and the casino product, while not the largest on this list, covers the essentials: popular slots, table games, and a live casino section. The operator is still building its casino library, but the payment infrastructure is solid and the withdrawal process is straightforward.

9. Pub Casino — Licensed by the UK Gambling Commission and operated by a company with a growing portfolio, Pub Casino leans into a British theme — think warm interiors, familiar game titles, and a straightforward product without unnecessary frills. Payment methods include debit cards, PayPal, and bank transfers. Withdrawals follow the standard timeline: e-wallets within 24 hours, cards within one to three working days. Minimum deposits are usually £10. The casino library covers the mainstream categories — slots, blackjack, roulette, and live dealer tables — without trying to compete on volume. For players who want a no-nonsense experience with reliable payments, Pub Casino does what it says on the tin.

10. Lottoland — Lottoland pioneered the lottery-betting model in Europe and brings the same approach to its UK casino product. Players can bet on the outcomes of major international draws, and the casino section offers slots, table games, and live dealer options. Payment methods include debit cards, PayPal, and bank transfers. Withdrawal speeds are consistent with the market — e-wallets within 24 hours, cards within one to three working days. Minimum deposits are typically £10. Lottoland’s lottery-betting product is regulated separately from its casino operations, and the operator holds a UK Gambling Commission licence for its betting activities. The casino side is functional rather than spectacular, but the lottery integration gives it a unique angle that pure-play casinos can’t replicate.

Comparison Table: What These Operators Offer in Practice

The table below summarises the key parameters for each operator. These are typical characteristics for this category of UK-licensed casino — individual operators may vary slightly in their current terms, and any specific bonus offer should be checked directly on the operator’s site before you commit. Wagering requirements, minimum deposits, and withdrawal timelines are subject to change, and the figures below reflect the general market position heading into 2026.

Payment Methods That Actually Work at UK Casinos

If Klarna is off the table — and it is — the question becomes which payment methods are actually available, reliable, and fast enough to matter. The UK market has converged on a small set of options that cover the vast majority of deposits and withdrawals. Each has trade-offs in speed, fees, and convenience. Here’s how they compare in the context of a typical UK casino deposit and withdrawal cycle.

The credit card ban in April 2020 was one of the most consequential regulatory decisions in UK gambling history. Research commissioned by the Gambling Commission found that approximately 22% of online gamblers who used credit cards were classified as problem gamblers — a rate significantly higher than among those using debit cards or e-wallets. The correlation between borrowed money and gambling harm was too pronounced to ignore, so the ban was implemented swiftly and enforced rigorously. For Klarna specifically, this created an additional barrier: even if the company wanted to enter the UK gambling market (which it doesn’t), the regulatory environment would make it commercially unviable.

Licensing and Regulation: Verifying You’re Playing at a Safe Online Casino UK

A UK Gambling Commission licence is the gold standard for online gambling regulation worldwide. Every operator listed in this article holds one, but verifying this independently is a habit worth developing. Scroll to the footer of any casino website and look for a licence number starting with “000-“. Cross-reference this number against the Gambling Commission’s public register — if there’s no match, or if the licence status shows as suspended or revoked, walk away. This thirty-second check could save you from depositing at an unlicensed operation with no obligation to pay your winnings.

The Gambling Commission issues several licence categories relevant to online casinos. Operating licences cover the actual running of gambling services, with subcategories for remote casinos, remote betting, and remote bingo. Personal management licences ensure key individuals — directors, compliance officers, senior managers — meet fit and proper person requirements. Premises licences apply to physical venues but don’t directly affect online operations. The public register shows all active licences, their conditions, and any enforcement actions taken against them, making it one of the most transparent regulatory databases in the gambling industry.

Safe online casinos UK players can trust must comply with Licence Conditions and Codes of Practice (LCCP), which set out detailed technical and operational standards. Game fairness requirements mandate that random number generators be tested by approved laboratories such as eCOGRA, iTech Labs, or BMM Testlabs. Player fund segregation rules require operators to hold customer balances separately from operational funds, protecting your money if the business fails. Responsible gambling tool availability — deposit limits, reality checks, self-exclusion via GAMSTOP — is mandatory, not optional. Advertising standards are enforced jointly with the Advertising Standards Authority and the Committee of Advertising Practice, ensuring promotions are fair, clear, and not misleading.

Klarna’s absence from the licensed UK gambling ecosystem reflects how regulated markets function. Payment methods undergo risk assessment by both operators and regulators before being approved for use. BNPL products were assessed as too high-risk for gambling contexts because they extend credit, potentially amplifying harm among vulnerable players. E-wallets passed scrutiny because they add friction rather than removing it — you must fund them first with money you already possess, creating a natural pause between decision and action. This regulatory filtering process protects players while maintaining market integrity, even when it means certain payment methods simply aren’t available.

Casino Games Available: From Slots 2026 to Live Casino Real Money Options

The ten operators covered in this article collectively offer thousands of game titles across every major category available to UK players heading into 2026. Slots dominate by volume — Mr Vegas alone carries over 9,000 titles from more than 100 providers — but the market has diversified significantly beyond spinning reels. Table games, live dealer sections, and specialty titles like crash games and game-show formats have grown rapidly as studios expand their output to meet player demand for variety and innovation.

Slots real money play encompasses three main subcategories. Classic slots feature simple mechanics, three reels, and nostalgic fruit-machine aesthetics, appealing to players who prefer straightforward gameplay without complex bonus features. Video slots represent the bulk of modern offerings, with five reels, multiple paylines, cascading wins, and bonus rounds that can multiply stakes by hundreds or thousands of times. Progressive jackpot slots pool contributions from players across networks, creating prize pots that regularly exceed £1 million — the kind of number that makes “free spins” look like the consolation prize they are. And yes, casinos love calling them “free,” but nothing in gambling is genuinely free; those spins come with wagering requirements that ensure the house maintains its edge.

Live casino real money options have transformed the online gambling experience by streaming real dealers from professional studios directly to your screen. Evolution Gaming dominates this space, operating dedicated studios in Latvia, Malta, and Canada that broadcast blackjack, roulette, baccarat, and game-show-style titles around the clock. The technology has improved dramatically — HD video, multiple camera angles, real-time chat with dealers, and mobile-optimized interfaces that work seamlessly on smartphones. For UK players, live casino offers the closest approximation to a physical casino experience without leaving home, though the house edge remains identical to RNG-based games.

Table games — blackjack, roulette, baccarat, poker variants — remain staples at every operator on this list. Blackjack offers the lowest house edge of any casino game when played with basic strategy (approximately 0.5% in single-deck games), making it the mathematician’s choice. Roulette’s house edge varies by variant: European single-zero wheels carry a 2.7% edge, while American double-zero wheels push it to 5.26%. Baccarat, once associated with high-rollers in private rooms, is now accessible to everyone with a house edge around 1.06% on banker bets. These aren’t secrets — casinos publish RTP (Return to Player) percentages openly — but most players don’t bother checking, which is exactly how casinos prefer it.

Casino app real money gaming has become the dominant access method for UK players, with mobile accounting for the majority of online gambling activity. All ten operators offer either dedicated apps (available through the App Store and Google Play) or mobile-optimized websites that function equivalently. Apps typically offer faster loading times, push notifications for promotions, and biometric login (fingerprint or face recognition) for convenience. The best casino app experiences maintain full feature parity with desktop — deposits, withdrawals, game libraries, customer support, and responsible gambling tools all work identically on mobile devices.

New Online Casinos 2026: What’s Changed and What Hasn’t

The UK online casino market in 2026 looks materially different from five years ago, though not necessarily better for players. Stricter advertising regulations, enhanced affordability checks, and the ongoing cost of compliance have consolidated the market around fewer, larger operators. New entrants face significant barriers: UKGC licensing costs, technical compliance requirements, and the marketing spend needed to acquire players in an increasingly competitive landscape. This consolidation has both advantages and disadvantages — larger operators generally offer more robust responsible gambling tools and better player protection, but less competition can mean fewer innovative promotions and slower adoption of new payment methods.

Affordability checks represent the most significant regulatory change affecting player experience. The Gambling Commission has progressively tightened requirements around verifying player income and expenditure, with operators required to conduct enhanced due diligence when deposit patterns suggest financial vulnerability. These checks aren’t optional — they’re licence conditions, and operators face enforcement action for non-compliance. For legitimate players with stable incomes, the checks are an occasional inconvenience rather than a barrier. For those gambling beyond their means, they’re a necessary intervention that has measurably reduced harm.

Payment method innovation has slowed considerably under the current regulatory regime. Cryptocurrency remains unavailable at UK-licensed casinos due to anti-money laundering concerns and the Gambling Commission’s cautious approach to digital assets. Open Banking services like Trustly and Banked have gained traction as deposit methods, offering instant transfers with strong authentication, but withdrawal support remains inconsistent across operators. The BNPL ban means products like Klarna, Clearpay, and Laybuy are structurally excluded from the market — a permanent feature, not a temporary gap. Debit cards, PayPal, and bank transfers continue to dominate, with e-wallets like Skrill and Neteller serving players who want faster withdrawals or separation from their primary bank accounts.

New casino sites that do launch in the UK market in 2026 tend to differentiate through niche positioning rather than trying to compete on breadth. Some focus exclusively on live casino, others on slots from specific providers, and a few attempt to combine casino with sports betting or lottery products. The operators that survive are those that find a sustainable niche and execute well within it, rather than those that try to be everything to everyone. For players, this means the market offers more specialized options but fewer generalist platforms — a trade-off that depends on what you’re actually looking for.

How We Selected These Operators: Methodology and Criteria

The ranking presented in this article isn’t arbitrary — it reflects a systematic evaluation across multiple dimensions that matter to UK players. Market presence and brand recognition formed the baseline: all ten operators have established reputations, significant player bases, and years of operation in the regulated UK market. But presence alone doesn’t determine ranking; the evaluation went deeper into product quality, payment reliability, customer support responsiveness, and the overall player experience each operator delivers.

Payment method variety and withdrawal speed carried particular weight in the assessment. An operator might offer an impressive game library, but if withdrawals take two weeks or payment options are limited, the practical experience suffers. Each operator was evaluated on the range of accepted payment methods (debit cards, e-wallets, bank transfers), typical withdrawal processing times, minimum deposit requirements, and any fees associated with transactions. The consistent finding: e-wallet withdrawals clear within 24 hours at most operators, while debit card withdrawals take one to three working days — a pattern that holds across the entire regulated UK market.

Game library breadth and quality were assessed by examining the number of available titles, the range of providers represented, and the presence of live casino options. Operators like Mr Vegas stand out with over 9,000 slots from 100+ providers, while others like JackpotJoy and Double Bubble Bingo focus on curated selections with strong community features. Neither approach is inherently superior — it depends on whether you value quantity or curation. Live casino availability was checked across all operators, with Evolution Gaming as the dominant provider and most operators offering dedicated live dealer tables alongside their RNG-based game libraries.

Responsible gambling tool availability and transparency of terms formed the final evaluation criteria. Every operator must offer deposit limits, reality checks, self-exclusion options, and links to support organizations like GAMSTOP, BeGambleAware, and GamCare — these are licence conditions, not optional extras. The differentiation lies in how prominently these tools are presented, how easy they are to configure, and whether the terms and conditions attached to bonuses are written in clear, accessible language. Operators that bury responsible gambling tools in submenus or write bonus terms in impenetrable legalese scored lower, regardless of their other strengths.

Responsible Gambling: The Part Nobody Wants to Read

Gambling involves real money, and real money loss is a genuine possibility — not a hypothetical risk, but a mathematical certainty over sufficient time. The house edge ensures that, across all players and all sessions, the casino will always come out ahead. Individual outcomes vary, of course, and short-term wins happen, but the long-term expectation is negative for every player at every game. Understanding this isn’t pessimism; it’s basic arithmetic. If you’re gambling with money you can’t afford to lose, no payment method, operator, or strategy will change that fundamental reality.

The UK’s responsible gambling infrastructure is among the most developed globally, but it only works if you engage with it. GAMSTOP allows you to self-exclude from all UK-licensed gambling sites simultaneously for six months, one year, or five years — a comprehensive tool that removes the temptation to simply switch operators when one site blocks you. Deposit limits can be set daily, weekly, or monthly, and once set, they can only be increased after a cooling-off period (typically 24-72 hours), preventing impulsive adjustments in the heat of a losing streak. Reality checks pop up at regular intervals during play, showing how long you’ve been gambling and how much you’ve spent — jarring, but effective.

Support organizations provide free, confidential help for anyone whose gambling has become problematic. BeGambleAware offers information, advice, and support through their website and helpline (0808 8020 133). GamCare operates the National Gambling Helpline (0808 8020 133) and provides face-to-face counseling across the UK. The Gordon Moody Association offers residential treatment programs for those with severe gambling addiction. These services exist because gambling harm is real, measurable, and treatable — and because the alternative, pretending the problem doesn’t exist, has never worked for anyone.

Setting boundaries before you start gambling — not after you’ve lost more than you intended — is the single most effective harm-reduction strategy available. Decide in advance how much you’re willing to spend, set a deposit limit at that amount, and treat the money as an entertainment expense rather than an investment. If you find yourself chasing losses, increasing deposits beyond your budget, or gambling when you should be working or sleeping, those are warning signs that warrant immediate attention. The operators listed in this article provide the tools; using them is your responsibility.

Do any UK online casinos accept Klarna for deposits?

No, none of the ten UK Gambling Commission-licensed operators covered in this article accept Klarna for deposits heading into 2026. Klarna’s Buy Now, Pay Later model involves extending credit, and UK gambling regulations prohibit credit-funded deposits at licensed casinos. The Gambling Commission’s 2020 ban on credit cards extended to all credit products, including BNPL services like Klarna, due to the strong correlation between borrowed money and gambling harm. If you’re looking to deposit at a UK casino, debit cards, PayPal, e-wallets like Skrill, and bank transfers are the reliable options available.

Why can’t I use Klarna at online casinos in the UK?

Klarna cannot be used at UK online casinos because it operates as a credit provider regulated by the Financial Conduct Authority, and UK gambling law prohibits credit-funded gambling deposits. The Gambling Commission determined that BNPL products pose unacceptable risks to vulnerable players, as they enable spending money that hasn’t been earned yet. This isn’t a temporary restriction — it’s a structural feature of the regulated UK market that reflects years of research into gambling harm and the role that borrowed money plays in exacerbating problem gambling behaviors.

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What payment methods work at UK casinos instead of Klarna?

Debit cards (Visa and Mastercard) are the most universally accepted payment method at UK casinos, with instant deposits and withdrawals that typically clear within one to three working days. PayPal offers similar deposit speed with faster withdrawals, usually within 24 hours. E-wallets like Skrill and Neteller provide the fastest withdrawal times — often same-day — but may charge fees when funding the wallet from a debit card. Bank transfers via Open Banking services like Trustly are increasingly popular for their security and instant deposit capabilities, though withdrawal support varies by operator. All of these methods use money you already have, which is precisely why they’re permitted where Klarna is not.