• For shoppers
  • For business
A hand holding a phone with the Klarna app open on the Pay in full page.
A hand holding a phone with the Klarna app open on the Pay in full page.

Pay in full.
Fast and secure.

Check out in seconds with Klarna Pay in full. Enjoy immediate, secure payments with buyer protection on eligible purchases.¹

Shop now
An arm holding pink headphones beside a “Pay with Klarna” checkout badge.

Why do shoppers choose to pay in full?

  • All details prefilled: All your details are prefilled for use, while your personal info is safe and secure.

  • Buyer protection: Get extra peace of mind with Klarna's buyer protection on eligible purchases.

  • No fees: Pay the full amount instantly with zero added fees* and no credit check required.

  • Convenience: Pay for everyday purchases instantly, with the ease you expect from Klarna.

*FX fees may apply for purchases in a different currency.

How Pay in full works

1

Choose Klarna at checkout

Click on the pink badge and pay with Klarna at your favourite stores.
2

Choose your payment option

Choose pay in full from the payment options offered by Klarna.
3

Pay in full today

Complete your purchase and use the Klarna app to manage delivery tracking and more.

Discover more ways to pay

Pay in up to 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.
Learn more

Pay in 3

Split your purchase and spread the cost in 3 interest-free instalments, paid every 30 days.

Financing

Need more time to pay? Spread the cost over smaller monthly instalments. 6–36 month options are available.

Don’t see Pay in full at checkout?

No problem, you can still pay with Klarna. Here’s how it works:

Don’t see Pay in full at checkout?

No problem, you can still pay with Klarna. Here’s how it works:
Three Klarna Cards in different colours.
Green jumper for sale in the Klarna app.
  • Debit² or credit. Your call. Whether you pay now or later, our cards give you clear costs and flexibility. Pay anywhere Visa is accepted, online or in-store.³

    Apply now
  • Use the Klarna app to shop and pay flexibly at any store, plus earn cashback from your favourite stores.⁴

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Frequently asked questions

Questions on how to use Pay in full? Find your answers here. For any further help or troubleshooting, please contact customer service.

Klarna’s Pay in full option lets you pay the entire purchase amount immediately at checkout using your debit or credit card, with no fees and no credit check. It provides a quick, secure checkout experience and includes Klarna’s buyer protection. You can also track and manage your order in the Klarna app.

To use this payment option, you must:

  • be at least 18 years old

  • be a resident of Germany

  • have a valid debit or credit card.

A valid card means a card in your name and not expired. The card must also have sufficient funds to cover the purchase amount.

Klarna accepts most credit and debit cards. We will inform you at checkout if your card has not been accepted.

Klarna offers buyer protection to help you if you have a problem with a purchase. For more information visit the Buyer Protection Policy.

No, we will not perform a credit check when signing up to use Klarna or using pay in full. Read more here.