More payment methods

Klarna

Since its foundation in 2014, Klarna has become one of the world's largest providers of buy now, pay later services. 90 million active consumers use Klarna to shop online in 16 regions across three continents.

Pay Over Time
United States, Canada
€0.11 + 4.29% + $ 0.30
Australia
€0.11 + 4.29% + $ 0.30
Austria, Germany
€0.11 + 2.99%
United Kingdom
€0.11 + 4,99% + £ 0.20
Spain, Italy, France, Portugal
€0.11 + 3.99% + € 0.20
Finland
€0.11 + 0.99% + € 0.59
Netherlands
€0.11 + 2.99% + € 0.49
Ireland
€0.11 + 4,99% + € 0.20
Sweden
€0.11 + 0.99% + SEK 5.90
Norway
€0.11 + 0.99% + NOK 5.90
Greece
€0.11 + 4.20% + 0.20 EUR
Czech Republic
€0.11 + 4.20% + 5.00 CZK
Romania
€0.11 + 4.20% + 1.00 RON
Denmark
€0.11 + 2.60% + DKK 3.69
Pay Later
United Kingdom
€0.11 + 2.90% + £ 0.20
Finland
€0.11 + 2.79% + € 0.59
Norway
€0.11 + 2.79% + NOK 5.90
Sweden
€0.11 + 2.79% + SEK 5.90
Poland
€0.11 + 2.60% + 1.40 PLN
Netherlands, Austria, Switzerland, Belgium, Germany
€0.11 + 2.99% + between € 0.35 and € 1.00
Denmark
€0.11 + 2.79% + DKK 5.90
Spain, Italy, France
€0.11 + 3.99% + €0.20
United States
€0.11 + 4.29% + $0.30
Pay Now
Sweden
€0.11 + 1.35% + SEK 2.00
Switzerland
€0.11 + 1.35% + CHF 0.20
Germany, Netherlands, Belgium
€0.11 + 1.35% + € 0.20
Documentation
Pricing
Klarna logo

90,000,000 active users

Accepts one-off and recurrring payments

Wide range of products including 0% financing

Strong brand recognition in EU, expanding to the US and APAC

Klarna solutions

Pay Later

The option to pay in 30 days offers shoppers the ability to try before they buy, with no interest or added fees.

Once the order is shipped, Klarna pays retailers upfront while your customers benefit from an extra up to 30 days to pay.

Pay Now

Shoppers can pay immediately by secure bank transfer. Klarna recognises the shopper after their first payment with this option, and their details are saved for future purchases.

This option is guaranteed; in case of non-payment, Klarna takes on the risk for the merchant.

Pay Over Time

‘Pay over Time’ (the option to spread costs over 6-36 months).

With Pay in 3/4, shoppers can use either their credit card or bank account to complete their purchase. Accordingly, the instalments will be charged to their preferred funding source, making online shopping more convenient for your customers.

With Pay over Time, the shopper completes a simple, real-time credit application with an instant decision.

How it works

  • Mobile screen showing a shopping cart with a T-shirt and a checkout option in MyStore app
    Shopper proceeds to checkout
  • Mobile screen showing payment options including iDEAL, Credit Card, Paypal, Pay later with Klarna, and SEPA Direct Debit.
    Shopper selects Klarna Pay Later from the list of payment methods available
  • Mobile screen showing an order summary with a total of €19.99 and a 'Pay later in 30 days' option
    Shopper reviews order information
  • Klarna mobile verification screen with phone number input field and continue button
    Shopper enters contact information where for verification
  • Mobile verification screen with a field to enter a 6-digit code received by SMS.
    Shopper enters the code receive via message
  • Klarna mobile app interface showing a payment plan review with email, pay in 30 days option, and total cost
    Shopper reviews payment information
  • Confirmation screen with a green checkmark indicating successful order placement and a return home button
    Payment complete
  • Online shopping cart interface with items listed including headphones, event ticket, boots, and backpack with total price
    Shopper proceeds to checkout
  • Online payment selection screen showing options like iDEAL, Credit Card, PayPal, and Pay later with Klarna
    Shopper selects Klarna Pay Later from the list of payment methods available
  • Checkout screen with Klarna payment option and Adyen Test Account order summary showing a total of €131.96
    Shopper reviews order information
  • Adyen payment interface showing Klarna payment option and order summary
    Shopper enters contact information where for verification
  • Screenshot of the Adyen payment interface with 2FA code entry prompt for completing purchase
    Shopper enters the code receive via message
  • Checkout screen with payment options, highlighting Klarna's pay later service and an Adyen test account summary
    Shopper reviews payment information
  • Confirmation page with a green check mark and 'Thank you! Your order has been successfully placed' message.
    Payment completed

Features

Payment type
Buy now pay later
Channel
Online
Available in
Europe
Ireland, Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, Italy, Netherlands, Norway, Portugal, Romania, Spain, Sweden, United Kingdom, Switzerland, Poland
Oceania
Australia
North America
Canada, United States
Currencies
Settlement currency
AUD, DKK, EUR, NOK, GBP, SEK, CHF, USD, PLN, CAD
Processing currency
USD, GBP, EUR, CHF, DKK, SEK, NOK, AUD, PLN, CAD
Other
Refunds
Partial refunds
Multiple partial refunds
Multiple partial captures
3D Secure
Chargebacks
Guaranteed payment method as long as the merchant complies with the Klarna scheme rules
Local entity required
Sales day payout
Settlement delay
4 days
Recurring

How to integrate payment methods

Already a customer

If you are an Adyen customer, you can simply request a new payment method in the Customer Area.

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Not a customer

Contact our team and we will help you set up a test account where you can explore our platform and payment methods.

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Frequently Asked Questions

Frequently Asked Questions

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