Payment methods
Flexible ways to pay
Buy now and pay later with Klarna's flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount or over time.
Payments that suit your budget
Choose from a range of fair, transparent, and convenient payment methods.
Pay in 4
Split your purchase into 4 payments, paid automatically every 2 weeks.¹
Financing
Need more time to pay? Simply spread the cost over smaller monthly payments. 6-12 month options are available.²
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.³
Pay your way at your favorite brands
Look for Klarna at checkout, offered at thousands of brands.
Pay later anywhere with Klarna
Don't see the Klarna badge at checkout? You can still pay with Klarna anywhere in the following ways.
Apple Pay
Pay over time on Apple Pay when shopping online or in app, on iPhone or iPad.
Klarna app
Use the Klarna app to shop and pay flexibly at any store.
Browser extension
Get the Klarna browser extension to start paying the flexible way anywhere you shop online, unlock extra features and instantly apply coupons to get the best deal.
Shoppers love Klarna
114 + million people love to shop and pay with Klarna anywhere.
“Klarna is my favorite go to pay in installments app. They have a variety of stores that we all love shopping on. As well as paying in store is super easy. They never disappoint, Klarna is my 1st recommendation.“
KadijahLove - 8th of February 2025
“Klarna is a awesome app. Very convenient and easy to use. Their payment plans are excellent and help make the purchases you want without the pressure of paying in full or added interest.“
Katy - 13th of February 2025
"Super convenient and easy!! Haven’t had any issues getting approved, set-up or making payments. Would recommend "
JC - 6th of June 2025
“I find Klarna is excellent. I am able to make payments over time that suits my current budget. If there has been any problem, for example a return or refund required, Klarna have sorted this efficiently. Easy to manage on my phone with the app. Delighted with the service.”
Penelope - 13th of February 2025
"Love klarna and use it always when shopping online. Safe and easy to use and no problems if something needs returning or refunding. Been using since 2020 and I have never had any problems. Excellent."
Leandra - 19th of February 2025
Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app:
Frequently asked questions
Questions on Klarna payment options? Find your answers below. For any further help or trouble-shooting, please contact customer support.
Klarna is a flexible payment service that offers ways to shop now and pay later. Simply select Klarna at checkout when it’s available and we’ll quickly verify your details to complete the order. You can track and manage all payments in the Klarna app, with reminders to help you stay on schedule.
To be eligible to use Klarna, you must:
Be a resident in Canada
Be at least 18
Have a valid card/bank account
Have a positive credit history
Be able to receive verification codes via text
Flexible payments allow customers to select the method and timing of their payments for purchases. They include options like "Buy Now, Pay Later" (BNPL), enabling you to buy items immediately and pay in interest-free installments, or to spread costs over an extended period. Services such as Klarna facilitate these flexible payments, allowing the option to either make manageable smaller payments or to pay the full amount upfront, depending on your convenience and budget.
Pay in full and Pay in 4 options are interest-free. There are no late fees when you pay on time. If you choose financing or miss a payment, interest or fees may apply. Check the terms of your payment plan to understand what costs you could incur for missing a payment.
In some cases, you may be able to reschedule your Klarna payment. This can be done through the app or by contacting Klarna customer support. Options may depend on your payment plan and account status.
You can view your payment schedule anytime through the
or website. Your account shows orders, due dates, and amounts, so you can stay on top of your payments.When you use our Pay in 4, Financing, or pay later credit products we conduct a credit check to assess your eligibility for credit. This helps us ensure responsible lending and assist our customers to make good financial choices for their circumstances.
Good to know: If you make late payments or fail to pay, this could have a negative impact on your credit score and prevent you from using our payment methods in the future.
You can read more about the credit bureaus we use to perform credit checks in our
The highest security standards are used to protect your data and personal information.
All payment information is processed securely
No details are transferred to or held by the store
All transactions take place via secured connections following strict security protocols
You can remove your linked bank account or card at any time
If you want to know more about the way we handle your personal information, please read our
.See our
for information about how we use cookies and your ability to choose how to use them.¹ APR 0%. No conditions apply. Term: 2 months. For more information, see
. A higher initial payment may be required for some consumers.² APR ranges from 7.99%-34.90% based on term length, province, creditworthiness, and subject to credit approval, resulting in, for example, 6 equal monthly payments of $170.57 at 7.99% APR to $184.88 at 34.90% APR per $1000 borrowed. Minimum purchase required. A down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Actual terms may vary depending on province, see sample terms for Quebec and for the rest of Canada.
³ Exclusions apply. Learn more at