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 today, or over time.
Payments that suit your budget
Pay in full today
Financing
Shop with Klarna at your favorite brands
Built to work for you
Buyer protection and hassle-free returns. All built into Klarna.
Shop with built-in security
Every eligible Klarna transaction comes with buyer protection and advanced fraud prevention.
Hassle-free returns
Report a return and your payments pause instantly.
Pay later anywhere with Klarna
Pay later anywhere with Klarna
Frequently asked questions
Questions on Klarna payment options? Find your answers here. For any further help or troubleshooting, please contact customer service.
Klarna is a flexible payment service that offers ways to buy 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 Klarna app or website. Your account shows upcoming payments, 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 privacy policy.
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 Privacy Policy.
See our Cookie Policy for information about how we use cookies and your ability to choose how to use them.