Payment methods
Flexible ways to pay
Buy now and pay later with Klarna's flexible payment options. Choose to pay in 3 interest-free instalments or the full amount.
Payments that suit your budget
Explore fair, transparent, and convenient payment options.
Pay in 3
Split your purchase and spread the cost in 3 interest-free instalments, paid every 30 days.¹
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.²
¹ Please shop responsibly. 18+ ROI residents only. Credit subject to status. APR 0%. Missed payments may incur a fee and affect your ability to use Klarna in the future. T&Cs apply. ² Exclusions apply. Learn more.
Pay your way at your favourite brands
Look for Klarna at checkout, offered at hundreds of brands.
Don't see the Klarna badge at checkout?
You can still pay with Klarna anywhere in the following ways.
Klarna Card
Sign up for the Klarna Card and pay the flexible way, anywhere Visa is accepted—online or in-store.³
Klarna app
Use the Klarna app to shop and pay flexibly at any store, plus earn cashback from your favourite merchants.⁴
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.
³ A paid Klarna Membership is required for a physical card. Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits like Klarna Membership cashback. Klarna Membership Terms apply. ⁴ Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms and conditions apply.
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 Ireland
Be at least 18
Have a valid card/bank account
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 instalments. 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 3 options are interest-free. If you miss a payment, 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 service. 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 orders, due dates, and amounts, so you can stay on top of your payments.
Klarna evaluates your ability to pay by assessing available data to ensure responsible lending.
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 behavior and evaluate your creditworthiness.
We will not perform a credit check when:
Signing up to use Klarna
Downloading the
We will perform a soft credit check when you:
Use
Use
Use
Apply for a
Soft credit checks do not affect your credit score and will not be visible to other lenders.
Good to know:
If you make late payments or fail to pay, this could have a negative impact on your creditworthiness and prevent you from using our payment methods. Read more about
.Using the prequalification feature will not affect your credit score in any way, whatever the outcome.
Our third party credit checks are performed by
. If you have questions regarding their services, your credit score, or the data provided as part of a credit check we advise you to reach out to them directly.These checks are performed in accordance with
.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.