Pay in full

Let customers shop and pay instantly

Increase sales by offering a secure way to pay all at once.

Give your customers the choice to pay immediately and in full, with the same seamless payment experience they love from Klarna. Make buying effortless and see how your business will grow as a result.

25M

US Shoppers

70%

Gen Z and Millennials

45%

higher purchase frequency

Boost your business with a high frequency payment option

Boost your conversion rate by allowing your customers to pay in full instantly and let them earn rewards for every dollar spent. Plus, all their purchases are covered by Klarna’s Buyer protection.

Increase conversion rate

Pay in full puts your customers in full control over their expenses by letting them complete secure payments in seconds with no redirects or unnecessary hurdles.

Risk-free fulfillment

Fulfilling the order is risk-free for you. Klarna assumes the full credit and fraud risk, while you're paid upfront.

Increase customer loyalty

Pay in full keeps customers' information safe and secure wherever they shop. They can have the full coverage of Klarna in their pocket with every purchase (Buyer protection, rewards, etc).

Effortless integration

Getting up and running with Klarna is easy. We quickly integrate with your existing technology platforms and payment partners. Need a custom solution? We can do that, too.

See all partners

Details about Pay in full

Let's get down to the nitty-gritty. All you need to know is right here.

Service

Market availability	US, UK, Denmark, Finland, Germany, Norway & Sweden; coming soon to other markets.
Accepted cards	Debit and credit (Mastercard and Visa)
Stored cards	Users can choose from multiple stored cards and faster checkout with prefilled details
High acceptance	No credit assessment required; rejections only for ineligible cards, insufficient funds, or suspected fraud
Order management	Users can check their order details, status and report problems and returns in the Klarna app
Show/hide function	Included
Payment period starts	When an order is shipped
Number of payments	1 payment
Zero-fraud liability	Included
Klarna seller protection	Klarna seller protection

Integration

Direct integration via	Javascript and RestAPI
Auto updates	Included
Dev resources	Find developers portal here

Partnership

Max payment delay	3 business days after order is shipped
Standard term of agreement	36 months
E-commerce platforms	Find pre-integrated platforms here

What else?

We have more solutions and payment methods that might interest you. Read more about how and where you can sell with Klarna.

Pay in 4 Installments

4 interest-free payments

Give shoppers the freedom to spread the cost interest-free over time. You get paid immediately and shoppers get a flexible plan.

Learn more

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.

Learn more

Financing

Offer up to 24 months to pay

Give your customers the flexible option to buy now and spread the cost with monthly payments.

Learn more

Express button

A quick-pay button that adds convenience to the shopping journey.

Boost conversion and give your customers the speedy VIP treatment they deserve.

Learn more

Choose your language and region

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

Monthly financing through Klarna and One-time card bi-weekly payments with a service fee to shop anywhere in the Klarna App issued by WebBank. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. Copyright © 2005-2024 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards, Financing, Klarna Card): THIS IS A LOAN SOLICITATION ONLY. KLARNA INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.