Payment methods
Flexible ways to pay
Buy now and pay later with Klarna's flexible payment options. Choose to pay immidietely, in 30 days, or in 3 interest-free installments.
Pay later or right away
Choose from a range of fair, transparent, and convenient payment plans that suit your budget.
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.¹
Pay in 30 days
Shop now and get the flexibility to pay up to 30 days later, with no late fees or interest when you pay on time. Pay only for what you keep.
Pay in 3
Split your purchase and spread the cost in 3 interest-free installments, paid every 30 days.
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.
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 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 February 2025
“I am very much pleased with Klarna. I've used it to make a couple purchases and the process was easy both times. The app is easy to navigate and make payments. I will definitely use Klarna again in the near future.“
JC - 6th of June 2025
“I absolutely love the freedom and simplicity of this app, so easy to keep track of every transaction and it makes you feel safe and protected. Brilliant app and I would recommend Klarna time and time again.”
Martin - 15th of February 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
"I would recommend Klarna any day, any time. It’s by far the best money app ever made. It’s flexible and easy to use, good financing with tailor made customer support. Use it and you will thank me later"
Solomon - 4th of June 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 troubleshooting, 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 of Switzerland
Be at least 18
Have a valid bank 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 pay off the balance in 30 days. 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, Pay in 30 days, and Pay in 3 options are interest-free. There are no late fees when you pay on time. If you miss a payment, late 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 payment. This can be done through the Klarna 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.As a responsible lender, we want to make sure we’re helping our customers make the right financial decisions for their circumstances.
When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report to understand your financial behaviour and evaluate your creditworthiness.
Depending on the payment method or service you choose, we may or may not perform searches to check your financial standing. You can find an overview of the credit checks we run for our payment options and services below.
We will not perform a credit check on you when:
Signing up to use Klarna.
Downloading the Klarna App.
Choosing to
.
We will perform a credit check that might impact your credit score, when:
Deciding to ‘
’.
Our third party credit lookups are retrieved from
and . If you have any questions regarding the services those parties offer, we advise you to reach out to them directly.These checks are performed in accordance with Klarna’s
.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.