Payments that delight customers.

Payments that delight customers.

Increase sales by letting your customers split their purchase into 4 smaller payments.

The world's biggest brands use Klarna's Pay in 4 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 at your store — your sales increase and so do your happy returning customers.


increase in average order value with 4 equal payments from Klarna.


of users would have abandoned their purchase if 4 equal payments weren't available.

How Pay in 4 works.

On each product page, shoppers learn that they can buy now and spread the cost over 4 smaller payments, with no fees when you pay on time.

At checkout

At checkout

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

On shipment

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.



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

Make it work for you.

We’re the perfect fit for your online store. Get up and running in minutes through our partner platforms or build your own bespoke integration.

Details about 4 payments.

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


Market availability
Canada, US, UK, Australia, Spain, Italy
Show/hide function
Payment period starts
When order is shipped
Number of payments
Time between payments
2 weeks
Consumer APR
Payment source
Automatically charged to specified card
Zero-fraud liability
Klarna seller protection


E-commerce platforms
Find pre-integrated platforms here
Direct integration via
Javascript and RestAPI
Auto updates
Development resources

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