> For the complete documentation index, see [llms.txt](https://developers.bead.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developers.bead.xyz/faqs-and-troubleshooting/payments-faqs/which-consumers-can-use-klarna-paypal-and-venmo.md).

# 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](/faqs-and-troubleshooting/environment-and-testing/how-to-test-klarna-payments.md) for full sandbox testing guidance.

#### Related

* [Alternative Payments](/reference-guide/enumerations-and-schemas/tender-types/alternative-payments.md)
* [Managing Tender Types](/entity-management/terminal-management/managing-tender-types.md)
* [Troubleshooting "Couldn't Create Payment" Error](/faqs-and-troubleshooting/payments-faqs/troubleshooting-couldnt-create-payment-error.md)


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