Digital Klarna card payment
Digital Klarna card payment

The future of 
in-store shopping

Increase sales and reach new customers by connecting your physical store to the world of Klarna in-store.

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The flexibility of online shopping, but in-store

Connect your physical store to the Klarna ecosystem, offering flexible payment options to boost conversions, increase average order value, attract new customers, and gain deeper insights into your shoppers.

We help businesses grow

Klarna is the go-to checkout choice for our partners, loved by millions of shoppers every month—both online and in-store.

75%

of Klarna in-store shoppers are either Millennials or Gen Z

118%

higher AOV for retailers when customers pay with Klarna

78%

of shoppers say it's important for them to have a choice in payment methods

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We help you find shoppers —and shoppers find you

Enjoy new ways to reach and attract shoppers to your physical store with Klarna in-store—all through the Klarna app.

  • Allow shoppers to find your store in the Klarna app

  • Spread the word through in-app messaging

Join some of the world’s top brands. Boost business with Klarna in-store.

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How Klarna in-store works

Choose between our integration-free Digital Card or our integrated QR code solution. No matter what you choose, the customer’s payment always starts in the same place—the Klarna app.

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The customer picks a store

Shoppers can easily find all the stores that accept Klarna in the app. Once they've chosen the store, they get instructions to pay in one of two ways.

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Pay in 3 or 4 with a digital card

The customer can pay by creating a One-time card in the Klarna app. They set a budget for the card, add it to their mobile wallet, and tap their phone to the checkout terminal.

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Offer more flexibility with QR codes

Another option is for the customer to scan a QR code at checkout or the payment terminal. They’ll then select their preferred payment option and confirm the purchase.

Questions?

Unsure on how to use in-store, or how to get started? Find answers below. Please contact business support for any further support or troubleshooting.

The in-store digital card is a single-use, virtual card that is created within the Klarna app. Once the card amount is authorized, the customer adds the card to their Apple Pay or Google Pay wallet, and can make a purchase by using “tap to pay” at the point of sale terminal within 24 hours of creating the card.

To pay with our digital card solution the customer needs to have the Klarna app in order to pay. To pay with our QR code solution customers don't need to have the app to pay, they can also scan the QR code with their phone's camera and complete the purchase on their mobile browser. However, we still recommend that customers use the app in order to have the smoothest user experience and to help them keep track of their payments.

The minimum amount to create an in-store digital card for is $10 and the maximum amount is $2000. How much a specific customer can spend will also vary for each customer and each new purchase as they are evaluated by our system to ensure safe spending practices. Customers that have made a purchase with Klarna before can view their purchase power in the Klarna app. For our QR code solution the limit will depend on the customer and the payment option they choose.

When a customer first creates an in-store card, it will be connected to their personal debit or credit card. Klarna accepts major debit and credit cards (i.e. Mastercard, Visa, Discover). Prepaid cards, AMEX, and Capital One credit cards are not accepted.

The merchant is paid in full at the time a customer uses Klarna to make their in-store purchase. A customer's payments will be automatically charged to the selected debit or credit card according to the stated payment plan.

Let’s boost your in-store sales

Reach new customers, increase sales and improve the shopping experience with Klarna in-store.