How It Works
When Klarna is enabled, customers see it as a payment option at checkout. They can choose to:- Pay in 3 - Split the cost into 3 interest-free instalments
- Pay in 30 days - Delay payment for up to 30 days
- Financing - Spread payments over a longer period (availability varies by region)
Benefits for Your Business
| Benefit | Description |
|---|---|
| No credit risk | Klarna takes on all credit risk. You get paid upfront regardless of missed or late customer payments. |
| Same payout timing | Klarna orders are paid out on the same schedule as card payments. |
| Drive larger orders | Customers are more likely to add items when they can spread the cost. |
| No setup fee | There’s no cost to enable Klarna on your store. |
Pricing
Klarna transactions are charged at 3.9% + 20p per transaction.This rate may vary based on your agreement. Contact your account manager for details.
Availability
Klarna is available in the following regions:| Region | Currencies |
|---|---|
| United Kingdom | GBP |
| Europe | EUR, SEK, NOK, DKK, CHF |
| United States | USD |
| Australia | AUD |
Enabling Klarna
To activate Klarna on your store:- Contact support or reach out to your account manager
- Our team will enable Klarna for your account
- Klarna will automatically appear as a payment option at checkout
Customer Experience
At checkout, customers who select Klarna are redirected to complete their payment:- Customer selects Klarna at checkout
- Klarna performs an instant credit check
- If approved, customer confirms payment terms
- Order is placed and you receive payment
Klarna approval is instant in most cases. If a customer isn’t approved, they can still complete their order using another payment method.