Klarna Payments lets merchants offer Klarna at checkout for web, in-app, and in-person purchases. Customers can choose to pay now, pay later, or pay in installments; US options include Pay in 30 days, full payment, and monthly financing over 6–24 months. In the US, Pay in 4 divides a purchase into four interest-free payments every two weeks, with no fees when paid on time. Merchants can connect through direct APIs or plugins for platforms such as Shopify, Adobe Commerce, Salesforce Commerce, and WooCommerce. Klarna Docs lists integrations and guides for providers including Stripe, Adyen, Kustom, Worldpay, Mollie, and PrestaShop. Klarna also supports recurring payments for subscriptions and unscheduled charges. Its shopper app includes payment management, cashback, loyalty cards, in-store shopping, price comparison, and delivery tracking, and is free to download and use. Pricing for the paid service is available on request; membership plans are listed from $4.99/month. Klarna was founded in 2005.
Who it is for
Klarna serves shoppers looking for payment choices and retailers seeking a checkout payment solution. Merchants should check that their platform and customers’ locations are supported.
What is good
- Checkout options include pay now, later, and installments
- Merchants can connect through APIs or platform plugins
- Supports recurring and one-time payments
- Free app includes payment management and delivery tracking
What to know first
- Pricing for the paid service is available on request
- Each purchase attempt receives a new approval decision
- US Pay in 4 excludes Hawaii and certain addresses
Verdict
Klarna combines shopper payment options with merchant checkout connections across web, apps, and in-person sales. Eligibility, location availability, and approval can vary, so confirm those details for the intended purchase or business.
Klarna plans and pricing
All plansCompared on buy now, pay later platforms
- Checkout channels
- omnichannel
- Repayment terms
- Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where available
- Merchant platforms
- Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce
- Merchant settlement
- scheduled
- Consumer regions
- Australia, Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Spain, Sweden, Switzerland, United Kingdom, United States
- Merchant dashboard
- Yes
