Payments that delight customers
Increase sales by letting your customers split their purchase into 4 smaller payments.
The world's biggest brands use Klarna's Pay in 4 to drive sales
Give your customers the financial freedom they deserve by letting them choose how and when to pay. We make it easier than ever to shop at your store — your sales increase and so do your happy returning customers.
45%
increase in average order value with 4 smaller payments from Klarna.
44%
of users would have abandoned their purchase if 4 smaller payments weren't available.
How Pay in 4 works
On each product page, shoppers learn that they can buy now and spread the cost over 4 smaller payments, with no fees when you pay on time.
At checkout
At checkout, the customer selects Klarna as their payment method. They will see the option to pay in 4 along with the cost and payment schedule. A higher initial payment may be required for some purchases.
On shipment
Once the order is processed, Klarna pays you (the retailer) upfront and in full. We'll take care of collecting the payments from the shopper.
Post-purchase
Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders.
The no hassle shopping app
We put control in the hands of customers with the Klarna app – gathering all orders in a single place. Through the app, your customers can manage their purchases, choose payment methods, chat with customer service 24/7, and report returns. Two days before payment is due, we’ll send a friendly reminder for a hassle-free experience.
Make it work for you
We’re the perfect fit for your online store. Get up and running in minutes through our partner platforms or build your own bespoke integration.
Details about 4 payments
Let’s get down to the nitty-gritty. All you need to know is right here.
Service
Market availability | Canada, US, UK, Australia, Spain, Italy |
Show/hide function | Included |
Payment period starts | When order is shipped |
Number of payments | 4 |
Time between payments | 2 weeks |
Consumer APR | 0% |
Payment source | Automatically charged to specified card |
Zero-fraud liability | Included |
Klarna seller protection | Included |
Integration
E-commerce platforms | Find pre-integrated platforms here |
Direct integration via | Javascript and RestAPI |
Auto updates | Included |
Development resources |