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Klarna is a Swedish fintech company that provides Buy Now, Pay Later (BNPL) services and various other payment options. By integrating Klarna, merchants can offer customers flexible payment solutions, increasing conversion rates and customer satisfaction. Klarna’s payment methods cater to different consumer preferences, making it a popular alternative to traditional credit cards. For more information about Klarna’s services, see Klarna. For details about on-site messaging implementation, see Klarna OSM Integration. Klarna provides shoppers with multiple payment options to offer at checkout:
  1. Pay in 4 (Interest-Free Installments)
    • Shoppers split the total purchase amount into four equal payments.
    • The first payment is made at checkout, with the remaining three deducted every two weeks.
    • No interest or fees if payments are made on time.
  2. Pay Later (Invoice-Based Payment)
    • Shoppers receive the product before making a payment.
    • They have 14–30 days to complete the payment.
    • Interest-free if paid within the set period.
  3. Pay Now (Instant Full Payment)
    • Shoppers pay the full amount immediately using a linked debit card, credit card, or bank transfer.
    • This is Klarna’s simplest payment method, functioning similarly to standard checkout transactions.
  4. Financing (Long-Term Payment Plans)
    • Shoppers can spread the cost of a purchase over 6 to 36 months.
    • This works like a personal loan, with interest rates depending on Klarna’s assessment.
    • Requires a hard credit check, which may impact the customer’s credit score.
Integration with Klarna can offer the following advantages:
  • Higher Conversion Rates – Offering BNPL options reduces cart abandonment and increases completed sales.
  • Increased Average Order Value (AOV) – Shoppers tend to spend more per transaction when given flexible payment options.
  • Risk-Free Payments for Merchants – Klarna assumes full financial risk, ensuring that merchants receive payment upfront.
  • No Interest on Short-Term Plans – “Pay in 4” and “Pay Later” options are interest-free, making them attractive to customers.
  • No Hard Credit Checks for Short-Term BNPL – Klarna conducts only soft credit checks for short-term options, making it more accessible.
  • Global Availability – Klarna operates in multiple markets, including the U.S., U.K., Sweden, Germany, Australia, and more.
  • Mobile & In-App Shopping – Shoppers can shop and manage their payments directly through Klarna’s mobile app.
  • Buyer Protection & Dispute Resolution – Klarna offers protection against fraud and resolves disputes on behalf of merchants and consumers.
While Klarna provides benefits, merchants should also be aware of potential drawbacks: Potential Considerations
  • Late Fees for Shoppers – If a Shoppers misses a payment, Klarna may charge late fees or restrict their account.
  • Risk of Debt Accumulation – BNPL services can encourage overspending, leading to financial difficulties for some consumers.
  • Hard Credit Checks for Financing – Long-term financing requires a hard credit check, which may deter some shoppers.
Klarna is available in the following countries:
Australia
Austria
Belgium
Canada
Denmark
Finland
France
Germany		Italy
Netherlands
Norway
Spain
Sweden
United Kingdom
United States
Klarna is available in the following countries, and offers different payment methods per country:
CountryKlarna CategoryPayment Method
AustraliaPay laterPay in 4
Pay nowCard
AustriaPay laterPay 30 days later
FinancingTerm loan financing 6, 12, 24, 36 m
Pay nowPay by card
Klarna bank transfer
Direct debit
Klarna bank account
BelgiumPay laterPay 30 days later
Pay nowKlarna bank transfer
Pay nowPay by card
CanadaPay laterPay in 4
FinancingTerm loan financing 6
Pay nowPay by card
DenmarkPay laterPay 30 days later
Pay in 3
Pay nowPay by card
FinlandPay laterPay 30 days later
FinancingTerm loan financing 6, 12, 24, 36 m
Installments 6, 12, 24, 36 m
Pay nowPay by card
Klarna bank transfer
FrancePay laterPay 30 days later
Pay in 3
Pay nowPay by card
Klarna bank account
GermanyPay laterPay 30 days later
FinancingTerm loan financing 6, 12, 24, 36 m
Pay nowPay by card
Klarna bank transfer
Klarna bank account
Direct debit
ItalyPay laterPay 30 days later
Pay in 3
Pay nowPay by card
Klarna bank account
NetherlandsPay laterPay 30 days later
Pay in 3
Pay nowPay by card
Klarna bank transfer
Direct debit
NorwayPay laterPay 30 days later
FinancingTerm loan financing 6, 12, 24, 36 m
Pay nowPay by card
SpainPay laterPay 30 days later
Pay in 3
Pay nowPay by card
Klarna bank account
SwedenPay laterPay 30 days later
Pay Later 60 days
FinancingInstallments 3, 6, 12, 24, 36 m
Term loan financing 6, 12, 24, 36 m
Pay nowPay by card
Klarna bank transfer
Direct debit
Swish
United KingdomPay laterPay 30 days later
Pay in 3
Pay nowPay by card
Klarna bank transfer
United StatesPay laterPay in 4
Pay 30 days later
FinancingTerm loan financing 3, 6, 12, 18, 24 m
Pay nowPay by card
Card
Klarna has different transaction limits per country as described in the following table.
CountryPayment MethodLimit
AustraliaPay in 435−35 - 1500
AustriaPay in 14 days€1 - €5,000
Direct Bank Transfer€1 - €10,000
BelgiumPay Later (30 days)€1 - €5,000
Direct Bank Transfer€1 - €15,000
CanadaPay in 435 CAD – 2500 CAD
DenmarkPay Later (30 days)1 DKK - 5,000 DKK
Pay in x months39 EUR - 30,000 DKK
FinlandPay Later (30 days)€1 - €5,000
Pay in x months€5 - €3,000
Direct Bank Transfer€1 - €10,000
GermanyPay Later (30 days)€1 - €1,000
Pay in x months€35 - €3,000
Direct Bank Transfer€1 - €10,000
ItalyPay in 3€1 - €1,500
Direct Bank Transfer€1 - €10,000
NetherlandPay Later (30 days)€1 - €5,000
Direct Bank Transfer€1 - €15,000
NorwayPay Later (30 days)1 NOK - 75,000 NOK
Pay in x months1 NOK - 75,000 NOK
SpainPay in 3€35 - €1,000
Direct Bank Transfer€1 - €10,000
SwedenPay Later (30 days)1 SEK - 100,000 SEK
Pay in x months39 SEK - 100,000 SEK
Direct Bank Transfer1 SEK - 100,000 SEK
United KingdomPay Later (30 days)£1 - £600
Pay in 3£1 - £2,000
United StatesPay in 40−0 - 2500