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A payment experience that shoppers love.

With Klarna, shoppers get the financial freedom to spit their purchases into 4 smaller payments.

shoppers use Klarna globally.

retailers partner with Klarna worldwide.

The world's biggest brands use Klarna's Pay in 4 to drive sales.

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How it works.

Klarna is more than just a modern payment method. We enhance the complete shopping journey and allow shoppers to pay in 4. From pre-purchase inspiration to post-purchase management, shopping with Klarna is always smoooth.

The best way to pay

The best way to pay

Our services are built to create a smoooth (yes, with 3 o's) shopping experience from beginning to end. We increase shopper control, freedom, and loyalty.

Payment status

Easy purchase management

Today, over 90 million shoppers have bought with Klarna and our app brings together over 14 million monthly users. This gives shoppers a clear overview of their purchases and allows for easy post-purchase order management.

Pay with Klarna

Promotional messaging

Shoppers learn of their flexible payment options as soon as they enter a retailer site. Different payment options are displayed based on the basket size of the order.

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With you wherever

We follow global enterprises anywhere across the world, making sure the payment solution is locally adapted and delights shoppers as much as the products do.

We help businesses grow.


increase in average order value when paying with 4 payments.


higher purchase frequency from Klarna shoppers.


of users would abandon their purchase if 4 payments weren't available.

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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Meet your dedicated team.

Our largest retail partners get a dedicated team to take you from launch to optimization and beyond. The team consists of marketing, analytics, and technology experts that will give you hands-on support with development, integration, marketing, and more as you scale your business.

No risks. Just benefits.

Klarna is proven to make running your business easier.

Get new customers.

Klarna refers millions of shoppers to our partners via integrated marketing campaigns and our shopping app.

Problem? No problem!

We're here to help if anything unexpected happens during the shopping journey.

Zero fraud liability.

We make it easy for shoppers to track packages, report returns, and everything in between.

Upfront payments.

Retailers are always paid in full with any Klarna payment method.

Seller protection.

We assume all credit & fraud risk when our payment methods are used, so you can just focus on your business.

Global solutions.

All of our products are made to be adaptable to fit local preference and legislation.

Automatic updates.

The latest and greatest version of all Klarna products will always be available.

Settlements made simple.

Customize settlement reports to best suit your accounting system.

Get more customers who shop more often.

Copyright © 2005-2024 Klarna Bank AB (publ). Headquarters: Stockholm, Sweden. All rights reserved. Klarna Bank AB (publ). Sveavägen 46, 111 34 Stockholm. Organization number: 556737-0431