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PreSwipe  /  Merchants  /  Klarna (BNPL)

Does Klarna (BNPL)
code as Finance?

Know exactly how your credit card will categorize a purchase at Klarna (BNPL) — before you tap.

Codes as expected
VisaMastercard
MCC Code
6012
Category
Financial Institutions – Merchandise and Services
Reward Category
Finance
Confirmed by
PreSwipe team
Best cards for Klarna (BNPL)
Citi Double Cash
2% back on all purchases
2% back
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Frequently asked questions
What MCC code does Klarna (BNPL) use?
Klarna (BNPL) uses MCC 6012 — Financial Institutions – Merchandise and Services. This is the four-digit Merchant Category Code assigned to Klarna (BNPL) by card networks and determines how your purchase is categorized for rewards.
Does Klarna (BNPL) count as financial institutions – merchandise and services for credit card rewards?
Yes — Klarna (BNPL) codes as Financial Institutions – Merchandise and Services (MCC 6012), so purchases here should earn bonus rewards on cards that offer a financial institutions – merchandise and services category bonus.
Which credit card earns the most rewards at Klarna (BNPL)?
The best card depends on how Klarna (BNPL) codes. Since it uses MCC 6012 (Financial Institutions – Merchandise and Services), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.