Offer up to 36 months to pay.

Offer up to 36 months to pay.

Adding financing as an option in your checkout gives your customers an opportunity to spread their cost over time. And pay at their own pace. This means increased purchasing power – giving you more sales.


Higher average order value with customers choosing to pay with Klarna’s financing options.


More customers make purchases if financing is offered.

Give your customers the credit they deserve.

Planned payments

Consumer financing is about control and flexibility. Reducing purchase stress and improving the user experience. We have several retail finance options to meet the needs of your customers, all of which can be easily integrated into your existing buying journey.

Planned payments

Customers choose 6 to 36 month payment terms at a reduced promo APR rate.

Flexible Month-to-Month

No fixed term commitment: Customers may pay their balance in full or make the minimum monthly payment (interest charges may apply) – it’s their choice.

A smoooth payments experience.

Add a Klarna payments widget to your checkout page and you can offer the smooothest customer experience on the market.

Minimal info

Klarna make purchasing quicker and easier for your customers as there is no need for them to fill in lengthy personal details or card numbers in order to make their purchase.

Real time

Unique in the market, the Klarna credit application is quick and easy. We request minimal information via a 4-step process and the decision is made in real-time.

Let’s stay on the same page.

Fewer interruptions make shopping smooother. With Klarna, your customer won’t be redirected, however they pay. So you offer the best customer experience while maintaining your own brand’s look and feel.

How it works.

Our financing options are designed for today’s shoppers – giving them more ways to buy online in your store. Monthly financing helps your customers pay over 6–36 months.


Shoppers see both the full price of an item and the minimal monthly cost when paying with Financing.


Your customer selects Financing and completes a simple, one-time application to receive an instant decision without entering their card details.

On shipment

On shipment

Your customer easily makes their monthly payments to Klarna online or in our app. You always get paid in full, upfront, even if we don’t.

Post purchase experience

Whether you’re a buyer or a seller, we’ve got your back. We take full fraud and credit risk for sellers, while giving full protection to buyers. We also put the control in the hands of the customers via the Klarna app – gathering all orders in a single place. With the app, your customer can manage their purchases, choose or change payment method, chat with customer service 24/7 or make returns. And two days before the invoice is due, we remind the customer of their payment.

You can offer 3 flexible ways for customers to split their purchase over time

No interest, when paid in full.

Customers make monthly payments within the offer period of either 6 or 12 months. Interest will be charged from the posting date if not paid in full.

Flexible month-to-month

No fixed term commitment. Customers can pay their balance in full or make the minimum monthly payment. Interest charges may apply.

Planned payments

Planned and fixed payment terms between 6–36 months at a reduced promo annual percentage rate.

The smoooth credit application is done with no more than two steps and your customer doesn’t have to leave your site. It’s super easy and mobile friendly, putting us way ahead of our competitors.


of users say Klarna is a better experience than other online checkouts.


of users say they only completed their purchase because our financing option was available.

Boost your business.

A customized payment solution that speaks to your customer's needs will make them happy to spend more money. Offering Klarna Financing is the easiest way to make that happen. Increase your customer’s spending power and you’ll sell more stuff.


The simple credit-process and seamless checkout experience will make more shoppers complete their purchase.

Average order value

Allowing shoppers up to 36-months financing will increase their purchasing power. Which means boosting your sales.

Customer loyalty

By offering solutions that meets your customers needs, you will attract new and returning customers to your store.

Drive traffic

Partnering up with Klarna will increase your website traffic. We’re constantly working on ways to boost your conversion rates.

Always with Klarna.

Regardless of what solution or payment method you sign up for, joining forces with Klarna will make running your business easier.

Automatic updates

You’ll always have the latest and greatest version of all Klarna products.

New customers

Klarna refers millions of shoppers to online retailers via in-app promotions.

Business insights

Make smart, data-driven decisions based on real customer insight.

Dedicated support

You can contact our business support 24/7 with questions or feedback.

Go to business support

Buyer’s Protection

We guarantee that the merchant holds up their end of the bargain. If the goods are wrong or don’t arrive, we take the cost.

Read the full policy

Seller’s Protection

We assume all credit and fraud risk, so you can focus on running a successful business.

Global enterprise solutions

Adaptable products to fit local preferences and legislation.

Upfront payment

You always get paid right away and in full with any of Klarna’s payment options.


How to integrate depends on if you’re looking to upgrade your full checkout or simply add the payment method to your current checkout. You can choose to integrate Klarna Checkout, which includes Financing as a payment method. You can also decide to integrate Financing as a stand-alone payment method into your current checkout solution.


Klarna Financing is available on almost every e-commerce platform. The easy setup is straightforward and it won’t be long until you can start accepting payments.


Here you will find the integration guides, API documentation for those wanting to integrate directly with our systems, and more to help you get started.

What else?

We have more solutions and payment methods that might interest you.

Tjekke Ud

En komplet checkout løsning til din online butik.

Designed for a smooth shopping experience that increases sales and customer loyalty.

Ready, steady, smoooth.