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Payment methods

Financially empower your shoppers. Offer more payment options so they can choose when and how to pay.

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The world’s top brands are using Klarna payment methods

More options, more shoppers

Our payment options are built for the modern shopper. Give your customers the ability to buy what they love today. You always get paid in full and upfront, your customers pay at a later date in-store and online. It doesn't get simpler.

Instalments

Offer interest-free instalments

Allow your customers a modern alternative to point of sale credit by letting them pay in 3 equal interest-free instalments.

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Pay in 30 days

Offer an extra 30 days to pay

Let your customers try before they buy by offering an extra 30 days to complete their payment, interest free.

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Financing

Offer up to 36 months to pay

Give your customers the option to buy now and spread the cost with monthly payments, interest free or interest bearing.

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Working with everyone you know

Add the power to pay later to your store with a quick and simple integration. Select the payment methods that best suit your business or integrate through payment service providers. Need a custom solution? We can do that, too.

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No sweat shopping

We give your customers a seamless, intuitive, and enabling shopping experience. With modern technology we’ll help you deliver one-click purchases and the flexibility shoppers want. It’s shopping the way it should be: upfront, transparent and fun.

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Flexible payments

When using 3 instalments, customers pay 1/3 at checkout and their remaining 2 payments are collected automatically at 30 and 60 days.

Faster checkout

The consumer experience is frictionless when buying with Klarna. Go seamlessly from browsing to bought. Our journey is up to 3x faster than our competitors based on a smooth UX.

Effortless shopping

With no added cost to the order and automatic payments on Pay in 30 days and Instalments, shopping is as straightforward as making any regular card purchase. More freedom means happy, returning customers.

Personal experience

Returning Klarna shoppers are treated like returning customers for you. Details are pre-filled and preferred shipping and payment options are pre-selected.

No risk, just rewards

Selling with Klarna is beneficial to your business.

Get new customers

Klarna refers millions of shoppers to our online retailers via integrated marketing campaigns.

Problem? No problem!

We’re here to help if anything unexpected happens to you or your customers.

Zero-fraud liability

We’ve got your back. If it turns out a customer isn’t who they say they are, we take the cost.

Upfront payment

You always get paid upfront and in full with any Klarna payment option.

Seller protection

We assume credit and fraud risk, so you can focus on running a successful business.

Global enterprise solutions

Adaptable products to fit local preferences and legislation.

Automatic updates

You’ll always have the latest and greatest version of all Klarna products.

Choose your language and region

Klarna is available around the world with a variable offering, choose one that suits you best.

Copyright © 2005-2024 Klarna. Klarna Financial Services UK Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna Financial Services UK Ltd offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.

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