Payment installments that delight customers.

Payment instalments that delight customers.

Increase sales by letting your customers split their payment into 4 interest-free instalments.

Some of Australia's biggest brands are using Klarna's 4 Instalments to drive sales.

Give your customers the financial freedom they deserve by letting them choose how and when to pay. We make it easier than ever to shop online or in-store. Your sales increase and so do your happy returning customers.


increase in average order value with Klarna's interest-free instalments.


of users would have abandoned their purchase if Klarna instalments weren't available.

How online payments work.

On each product page, shoppers learn that they can buy now and spread the cost over 4 convenient instalments at no additional cost.

Image showing four installments with no interest on Klarna app

1. At checkout

At checkout, the customer selects Klarna as their payment method. They will then see the option to pay using 4 Instalments along with the cost and payment schedule.

Image showing Klarna notification explaining payment instalments

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.

Image showing Klarna app Post purchase experience

3. Post-purchase

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

How in-store payments work.

Elevate the shopping experience by giving shoppers more payment flexibility in your physical store. Easier than ever with our non-integrated Digital Card offering. Here is how your customer will check out with Klarna.

Image showing Klara app interface

1. Create card

Customers will create a Digital card in the Klarna app, and add it to their Apple or Google wallet.

Image showing Klarna app in a store setting

2. Tap to pay

The payment is made with a simple phone tap. It's a secure and contactless payment.

Image showing completed purchase and purchase information

3. Post-purchase

They'll get a clear overview of their purchases and can easily manage their payments in the Klarna app.

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 about 4 Instalments.

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


Market availability
Show/hide function
Payment period starts
When order is shipped
Number of payments
4 payments
Time between payments
2 weeks
Consumer APR
0%. No interest
Payments made
Zero-fraud liability
Klarna Sellers Protection


E-commerce platforms
Direct integration via
Javascript and RestAPI
Auto updates
Developers resources


Max payment delay
3 business days after order is shipped
Standard term of agreement
24 months
Cost/pricing model
Up to 0.55 AUD + 4.99% per transaction

What else?

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


An easy way to offer flexible in-store payments.

Make shopping in-store feel more like shopping online.

Get more customers who shop more, more often. Are you ready?