Pay in 4 Installments
Installment payments that delight and attract customers
Increase sales by letting your customers split their purchases into 4 interest-free installments.
Some of America's biggest brands are using Klarna's 4 installments to drive sales.
Give your customers the financial freedom they deserve by letting them choose how and when to pay. Pay in 4 installments makes it easier than ever to shop online or in-store. Your sales increase and so do your happy returning customers.
45%
increase in average order value with Klarna's interest-free installments.
44%
of users would have abandoned their purchase if Klarna interest-free installments weren't available.
Give shoppers the option to pay in installments
On each product page, shoppers learn that they can spread the cost over 4 convenient installments at no additional cost.
1. At checkout
At checkout, the customer selects Klarna as their payment method. They will then see the option to pay using 4 installments along with the cost and payment schedule.
2. On shipment
Once the order is processed, Klarna pays you (the retailer) upfront and in full. We'll take care of collecting the installments from the shopper.
3. Post-purchase
They'll get a clear overview of their purchases and can easily manage their payments in the Klarna app.
How in-store payments and installments work
Elevate the shopping experience by giving shoppers more payment flexibility when they visit your store in-person. Customers can shop in your store and pay in 4 installments. Using Klarna is easier than ever with our non-integrated digital card offering. Here is how your customers will check out with Klarna.
1. Create card
Customers will create a digital card in the Klarna app, and add it to their Apple or Google wallet.
2. Tap to pay
The payment is made with a simple phone tap. It's a secure and contactless payment.
3. Post-purchase
They'll get a clear overview of their purchases and can easily manage their payments and installments in the Klarna app.
Klarna x Good American
We've already started boosting e-commerce for Good American, the inclusive fashion brand co-founded by Khloé Kardashian.
Effortless integration
Getting up and running with Klarna is easy. We can quickly integrate with your existing technology platforms and payment partners. Need a custom solution? We can do that, too.
Details
Let's get down to the nitty-gritty. All you need to know is right here.
Service
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 | 4 payments |
Time between payments | 2 weeks |
Consumer APR | 0% — no interest |
Payments made | Automatically charged to specified card |
Zero-fraud liability | Included |
Klarna seller protection | Included |
Integration
Direct integration via | Javascript and RestAPI |
Auto updates | Included |
Dev resources |
Partnership
Max payment delay | 3 business days after order is shipped |
Standard term of agreement | 36 months |
E-commerce platforms |
See
What else?
We have more solutions and payment methods that might interest you. Read more about how and where you can sell with Klarna.
Financing
Offer up to 24 months to pay
Give your customers the flexible option to buy now and spread the cost with monthly payments.
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. No fees.
Pay in full
Offer to pay in full today
Give shoppers the flexibility to pay instantly by card.
When you offer flexibility to your customers, you get shoppers who shop more and shop more often. Are you ready to get started?
FAQs
Paying in installments gives shoppers the freedom to spread the cost interest-free over time. Once the order is captured, the merchant is paid upfront and in full. Shoppers pay the first 25% at the time of checkout, while the remaining 3 payments are automatically collected every 2 weeks.
Most orders from $35 to $1000 can be split into 4 interest-free payments with our Pay-in-4 product at checkout.
First, you need to capture an order. Once you’ve captured the order, we’ll pay out the amount to your bank account registered with us. Fees, returns, and other charges will be deducted from the payout amount.
Good to know: the payout date will depend on your payout schedule and payout delay stated in your contract (T&C). You’ll find this information on your payout setup in the Settlements section in the Merchant portal.