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Pay now.


  • Accept a wide range of direct payment methods
  • Customers complete purchases with a single click
  • Effortless payout management with lower costs.

A smoooth experience in every scenario

Pay now works by adapting to the situation and dynamically adding or removing friction to optimise for both conversions and security. One click when possible, more control when needed.

First time

Meeting for the first time.

The first time a customer uses Pay now we naturally need them to give us the information needed to verify them and their chosen funding source.

Returning customer

Treated like a regular.

Previous Pay now customers can then benefit from one-click purchases, at any Klarna merchant, without having to enter the same information over and over again.

Higher priced

Handled with care.

If the customer chooses Pay now for a higher priced item, such as a flight, it’s only natural we ask for a little more information, for security they expect and appreciate.

When things change

Keeping things fresh.

When customers update their information with Klarna, they only have to do it in one place. No service interruption for the user and no passive churn for you.

Minimum-friction payments.

Pay now offers one-click payments when possible, and dynamically asks for more data when required, making it ideal for quick purchases and sign-ups. We remember user details, so customers can use their preferred payment source without having to enter the same data repeatedly. For subscriptions, customers avoid the risk of losing access to their services due to expired credit cards as we ensure their details are kept up to date, reducing the risk of passive churn for you.

Data driven conversions.

Klarna remembers customer data, creating a smoooth experience for the user and increasing conversions for you. By adjusting the amount of friction to the level of risk, we can increase the checkout conversion rate while also improving the acceptance rate for all order values. This dynamic UX, together with a great post-purchase experience, enables us to improve both sales and customer satisfaction.

Keeping customers

Pay now is an ideal payment method for subscriptions and recurring purchases as it has no expiry. We make sure your service-subscribers have their payments details up-to-date, and make it easy for them to update everything in one place. You get tokens that don’t expire, increasing customer lifetime value by avoiding service interruptions and reducing passive churn.

No matter what product you choose, you will always get:

The merchant portal

You will get access to a backend in which you can manage everything Klarna.

Klarna as a marketing tool

You will get access to marketing material that you can use in your marketing initiatives. E.g. the “No risk” aspects is usually popular to promote.

Global products, local faces

All products are built to be adapted to local preferences and legislations.

Single integration, integrated once

After having integrated Klarna, the products will be automatically updated without you lifting a finger.

Local support for you and your customers

Thousands of employees having conversations with your customers when they need that human guidance.

No risk, for you or your customers

You will always get paid and the customer is covered by Klarna's Buyers Protection.

Etkö ole vielä asiakkaamme? Aloita nyt.

Ota ensimmäinen askel tarjotaksesi asiakkaillesi smooothimpia shoppailukokemuksia jo tänään. Täytä alla oleva lomake ja käynnistämme yhteistyömme tuota pikaa.

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