How to Buy PlayStation Store Credit with Klarna in Europe

How Klarna Works for This Purchase

Klarna is a buy-now-pay-later service available across Europe that lets you pay up to 30 days after purchase or split the cost into instalments. Despite its wide availability at European online retailers, Klarna is not accepted as a direct payment option at the PlayStation Store checkout. To buy PlayStation Store credit with Klarna, you use a gift card approach: purchase a PlayStation Store gift card from a third-party retailer that accepts Klarna, then redeem the code on your PlayStation account.

Retailers such as Startselect support this flow across multiple European markets and deliver digital codes by email within seconds of a confirmed payment. This method works for topping up your wallet to spend on games, downloadable content, and PlayStation Plus subscriptions.

Step-by-Step: Buying PlayStation Store Credit with Klarna

Step 1: Choose a Klarna-Accepting Retailer

Visit a PlayStation Store gift card retailer that supports Klarna. Startselect is available in the Netherlands, Belgium, Germany, France, Austria, and other European markets, and accepts Klarna as a payment method.

Step 2: Select Your Card Denomination

Choose the amount you want to add to your PlayStation wallet. Common European denominations include €10, €20, €25, €50, and €100. Pick the value that matches your intended purchase.

Step 3: Proceed to Checkout and Select Klarna

Add the card to your cart and go to checkout. At the payment step, select Klarna. Depending on your country and the retailer, you may see "Pay in 30 days" or "Pay in 3 instalments". Enter your details as prompted and complete the Klarna confirmation step.

Step 4: Receive the Code by Email

Once Klarna confirms the payment, the retailer sends the digital gift card code to your email address and displays it on screen. For most digital retailers, delivery takes under a minute.

Step 5: Redeem the Code on PlayStation Store

On your PS4 or PS5, open the PlayStation Store from the home screen. Select "Redeem Codes" in the left menu and enter your 12-character code. You can also redeem via the PlayStation Store website: log in to your account, go to your profile, and choose "Redeem Codes". The credit is added to your wallet immediately.

Fees, Limits, and Availability

Klarna is available in most European countries, including Germany, the Netherlands, Belgium, France, Austria, Spain, Switzerland, and the UK *(Klarna, 2025)*. Both "Pay Later" and instalment options involve a soft credit check at the time of purchase, and approval is not guaranteed.

Klarna does not charge interest on "Pay in 30 days" orders settled on time. Fees at the retailer level vary: some platforms apply a small service charge depending on your country and order amount. Always review the total at checkout before confirming your purchase.

No Klarna-specific minimum purchase amounts apply beyond retailer minimums. For PlayStation gift cards, these typically start at €10.