We appreciate your sacrifice 
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hmm interesting, it says on their partners page that paypal and zip pay are also issued by webbank. i wonder if the paypal debit card would work WebBank
Hmm. As far as I’m aware, PayPal is Bancorp (debit) and Synchrony (credit).
Not sure if Zip can be used like a normal debit card, or only BNPL…
It’s not just the bank, but the BAN assigned to the licensee .. meaning Fidesmo Pay would have to be set up for each “partner” utilizing webbank individually.
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I removed my Curve to test, but adding the PayPal debit card gave me an error of it not being supported by Fidesmo.
I’m in the UK fyi.
Update on the Klarna situation;
That should definitely not be happening for a contactless only token. Fidesmo ticket has been updated.
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I’ve been using Klarna with my Ring Conversion for a month now, it works great. I live in Europe though, that’s probably the difference. Also I’ve tokenised a physical card and not a virtual one, if that could maybe be the thing.
I set up my Klarna to automatically reload my balance when it drops low, so it essentially acts as a front for my bank. You’d think Curve would be great for this but they didn’t let me have an account… I don’t use the pay later features at all.
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Fidesmo is actively engaging Klarna regarding the issue. Updates when I have them.
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Zip user here, its technicly both if set up since zip just holds a balance and they do have google wallet/apple pay set ups via virtual cards so in this case maybe?
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Maybe you and Amal can get together to test if the zip virtual cards work?
If you have a card, maybe try plugging it in here. Can’t hurt: Check card – Fidesmo AB
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Ok.. good update. After Fidesmo support informed me that they never actually tested Klarna account tokenization to a P71 JCOP 4 chip (Apex) only their new JCOP 4.5 chips, I tested both. I found a tokenization error which blocked access to PPSE payment processing options on Apex chips for Klarna accounts. Sent full report to Fidesmo support. Confirmed Klarna tokenization is working for US accounts on JCOP 4.5 chips.
Hopefully they will have a fix in soon and anyone with a Klarna account can re-tokenize to their Apex Ring conversion and it should work.
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Fidesmo has escalated the issue with Klarna and internal teams. No ETA yet but progressing.
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If this works it will be a nice surprise for me as when I got my ring I was knly expecting it to work as a FIDO key. I’ve already opened a klarna and fidesmo account the moment I’ve read about the first post 
Now I’m waiting if this will be fixed. But have to say I like the community here, very active and knowledgeable. Thank y’all guys
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Well.. not the best news. I received an update from Fidesmo that, to be honest, feels like a massive cop-out. They simply said “US Debit Card PAN tokens do not work on JCOP 4 chips” which is the P71 the Apex is made with. I performed more analysis using live terminal sniffs and further probes and I hope they will be able to work with NXP to resolve the issue (the payment applets on the P71 chips are made by NXP).
For now, crypto sites based on the rain card platform like etherfi seem to be your option.
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well.. i’m hitting another problem with Klarna directly.. i am getting a lot of random declines.. and in the klarna app it says “suspicious”.. but it’s for things like physical transactions at mcdonalds.. nothing online.. it’s happening so often that i can’t trust klarna and have to have a second form of payment at the ready all the time.
klarna is an EU company and i must say, the attitudes of EU/UK financial institutions toward who owns the money in your account is fundamentally different from US banks. it is 100% understood that banks over there will question you about what you’re wanting to use “their money” for, especially if you want to withdraw it from the bank in cash. you will outright be denied access to “the bank’s money” if you want to take cash out and can’t give a reason that satisfies the bank. if that happened here in the US i think there would be.. violence.. let’s just put it that way.. and with good reason (imho).
anyway.. yet another disappointment in the cyborg payment saga.. i can’t possibly rely on klarna at this rate of transaction declines. re-trying results in the same decline. nothing fixes it except trying on another day.
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ok .. sigh .. at this point I cannot recommend Klarna at all for anyone. I honestly don’t think it’s a safe place for your money. So yes, that means I’m actually suggesting people use “a sketchy crypt bro” service like etherfi over Klarna. Here’s why…
First, watch this;
Then, watch this;
The TL;DR
A “neobank” financial service like Klarna is very likely not even able secure your accounts with FDIC backing because the back-end banking charter they are actually operating off of is the one protecting the account holder’s money - and that account holder is the neobank, not you. Your money is very likely pooled with everyone else’s in a single account or series of accounts, and the only thing proving your money is in that pooled account is the neobank’s records.. and well, shit is fishy as fuck with Klarna’s accounting.
If you use Klarna, do not keep any significant money in your account with them. Just push your daily spend to them at that’s it. Your money could be instantly gone at any moment, with no recourse for you.
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There was I was saying, “sounds like some paypal bullshit,” and then Peter Thiel reared his head… It’s interesting Venmo is on the list.
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I mean, PayPal has owned Venmo since 2013. It’s just targeting a different demographic
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