smoooth hands pay in 3
smoooth hands pay in 3


Interest free instalments.

Let your customers split the cost of their purchase into 3 monthly instalments, online and in-store.

The UK’s biggest brands let their shoppers pay in 3 instalments with Klarna.

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Give your customers the financial freedom they deserve by letting them choose how and when to pay. Payment convenience and control for shoppers when they need it, on their terms.

How instalment payments work.

On each product page, shoppers learn that they can buy now and spread the cost over 3 monthly interest-free instalments.

Pay later at the checkout
1. At checkout

At checkout, the customer selects Klarna as their payment method. They will then see the option to pay using 3 Instalments along with the cost and payment schedule.

SMS notification of Pay later payment is due
2. On shipment

Once the order is processed, Klarna pays you (the retailer) upfront and in full. We'll take care of collecting the payments from the shopper.

Post-purchase screen in the Klarna app showing recent pay later purchase
3. Post-purchase

Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders.

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Cox & Cox

“The biggest surprise was Klarna’s success as an acquisition tool. Our tracking confirms that 50% of all Klarna sales are new customers to Cox and Cox, with many in the 25-34 age group. Klarna has helped us break free from typical buyer stereotypes and open up a new demographic for our business.”

Aynsley Peet, Head of Ecommerce at Cox & Cox

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.

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Details about 3 Instalments.

Let’s get down to the nitty-gritty. All you need to know about Klarna Instalments is right here.


Market availability


Show/hide function


Payment period starts

When order is shipped

Number of payments

3 payments

Time between payments

30 days

Consumer APR

0%. No interest

Consumer fees

No fees, when they pay on time

Payments made

Automatically charged from specified card

Klarna buyers protection


Klarna sellers protection


Credit broker licence

Not required. Unregulated product.


Direct integration via

Javascript and RestAPI

Auto updates


Dev resources


Max payment delay

18 days

Standard term of agreement

36 months

Pre-integrated e-commerce platforms

What else?

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


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.

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.

Get Klarna customers shopping with you now. Are you ready?

Copyright © 2005-2023 Klarna Bank AB (publ). Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Klarna Bank AB offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Klarna Bank AB (publ) registered and head office: Sveavägen 46, 111 34 Stockholm, Sweden. A Swedish public limited company (publikt bankaktiebolag) registered with the Swedish Companies Registration Office with organisation number: 556737-0431.