Increase sales with installments
Give your customers with financial freedom by allowing them to pay in 3 or 4 installments—while you receive full payment upfront.
The original innovators of Pay in 3 and Pay in 4
Let customers flex their shopping muscles with Klarna's Pay in 3 or Pay in 4 installment plans. It’s just one way we’re transforming e-commerce into a global, flexible and trustworthy experience.
Maximize your revenue
Drive conversion with our tech-leading, interest-free installment options. Whether your business operates online or in-store, we've got you covered.
Increase AOV
Boost purchasing power and allow customers to better manage their money, leading to average spend increases.
Boost conversion
Our simple payment process drives conversion, and comes with no interest or lengthy credit agreements.
Improve retention
Our consumer-friendly automatic repayments mean no post-purchase actions for customers. Shop, checkout, repeat.
Enjoy transparency
Klarna takes the risk, providing you with full, upfront payouts—with buyer and seller protection included.
Your ultimate shopping solution
Transform browsers into buyers, and keep existing customers coming back with interest-free installments.
Give shoppers more payment convenience and watch your sales soar, as your average cart values increase.
The world’s top brands use Klarna Installments to increase sales
How Installments work
When shoppers find something to love, they can choose to spread the cost over 3 or 4 monthly installments—interest-free. Find out how it works in more detail below:
At checkout
At checkout, the customer selects Klarna as their payment method. They can choose to pay over 3 or 4 installments, and get a full payment schedule.
After shipment
Once the order is processed, Klarna pays you upfront and in full. We'll then take care of collecting the payments from the customer, so you don’t have to lift a finger.
Post-purchase
Your customer gets a clear overview of their purchases in the Klarna app and can easily manage their orders. Buyer and seller protection come as standard.
Effortless integration with Klarna—directly or via our partners
Klarna is available on all major e-commerce and payment platforms. Add the power of the pink Klarna badge to your checkout with a quick and easy integration. Need a custom solution? We can do that for you too.
Details about Installments
Let's get down to the nitty-gritty. All you need to know is right here.
Market availability | US, AU, CA, NZ (pay in 4) DK, FR, IE, IT, NL, PT, ES, UK (pay in 3) |
Show/hide function | Included |
Payment period starts | When order is shipped |
Number of payments | 3 or 4 payments |
Time between payments | 2 weeks or 30 days (dependent on region) |
Consumer APR | 0% — no interest |
Payments made | Automatically charged to specified card |
Zero-fraud liability | Included |
Seller protection | Included |
Buyer protection | Included |
Explore more ways to pay
Check out other solutions and payment methods that may interest you. Discover how and where you can sell with Klarna.
Pay in 30 days
Let your customers buy what they want today and give them an extra 30 days to pay while you get paid upfront.
Pay in full
Shoppers pay instantly and in full by card. Get buyer and seller protection whatever the spend—we take the risk, so you don't have to.
Financing
Empower customers with flexible payment plans up to 36 months, with or without interest. Select the option that best suits your business needs.
Boost your business. Get started today.
Tap into the Klarna network and grow your business by offering flexible, fair payment options.