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Payments that delight customers.
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.

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asos logo
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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 smaller payments from Klarna.


of users would have abandoned their purchase if 4 smaller 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, the customer selects Klarna as their payment method. They will see the option to pay in 4 along with the cost and payment schedule. A higher initial payment may be required for some purchases.

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.


The no hassle shopping app.

We put control in the hands of customers with the Klarna app – gathering all orders in a single place. Through the app, your customers can manage their purchases, choose payment methods, chat with customer service 24/7, and report returns. Two days before payment is due, we’ll send a friendly reminder for a hassle-free experience.

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.

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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?

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