
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.
45%
increase in average order value with 4 equal payments from Klarna.
44%
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, 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
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
Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders.