Which consumers can use Klarna, PayPal, and Venmo?

Klarna, PayPal, and Venmo are all available to US-based consumers transacting with US merchants. Each provider has its own eligibility rules and, in some cases, geographic restrictions that determine whether a consumer can complete a payment.

Eligibility by tender

Klarna

Requirement	Detail
Residency	US resident
Age	18 or older
Payment method	Valid US payment method on file
Phone	SMS-capable US phone number for verification

Geographic restrictions

Klarna is not available to consumers in the following locations, even with a valid US address:

• New Mexico

• Hawaii

• US territories (Puerto Rico is supported)

• APO/FPO/DPO addresses

If a consumer in an excluded location attempts to pay with Klarna, the payment will be declined at the provider level. Consider suppressing the Klarna tender option for merchants whose customer base is concentrated in these areas.

PayPal

Requirement	Detail
Account	Active PayPal account
Residency	No restriction — PayPal is a global product

Geographic restrictions

None for US consumers. PayPal supports customers globally, including all US states and territories.

Venmo

Requirement	Detail
Residency	Must be physically located in the United States
Phone	US-based phone number
Age	18 or older
App version	Venmo app v7.38.2 or newer

Geographic restrictions

Venmo is US-only. Consumers outside the United States cannot use Venmo, regardless of account status.

Summary table

Tender	Min. age	US residency required	Geographic carve-outs
Klarna	18	Yes	Not available in New Mexico, Hawaii, non-Puerto Rico US territories, or APO/FPO/DPO addresses
PayPal	None specified	No	None
Venmo	18	Yes — must be physically in the US	US-only

Sandbox behavior for Klarna

In sandbox, Klarna credentials are region-scoped. Citcon provisions a US-region credential for sandbox testing. As a result:

• A US customer object (countryCode: US) works as expected in sandbox.

• A non-US customer object (e.g., countryCode: ES) will be rejected in sandbox with a "Could Not Create Payment" error, even though production Klarna has broader geographic coverage beyond the US.

Always use a US customer address when testing Klarna in sandbox. This is a sandbox credential limitation, not a product limitation.

See How to Test Klarna Payments for full sandbox testing guidance.

Related

• Alternative Payments

• Managing Tender Types

• Troubleshooting "Couldn't Create Payment" Error