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Klarna says ‘Dia dhuit’ to Ireland and launches pay in 3

November 9, 2021




Ireland Launch 1
  • Irish consumers will be able to split purchases into three instalments with no interest or fees
  • Klarna to help Irish retailers adapt to a changing retail landscape and drive growth by accessing a community of 90 million Klarna global consumers 
  • Irish customers can shop with Klarna at all retailers, through the Klarna app

Dublin, 9 November 2021Klarna, the global retail bank, payments and shopping service with 90 million users globally, officially launches in Ireland today, empowering Irish consumers with a better shopping experience and greater control, transparency and choice over how they pay. Irish consumers will be able to shop online and split their purchases into three interest-free equal payments (‘Pay in 3’) through both the Klarna app and directly via integrated partner retailers.

Klarna’s launch of an interest-free and fee-free alternative to high-cost credit comes as Irish consumers shift away from credit cards towards debit for most of their day-to-day spend. Spending on debit cards grew three times faster than credit cards between 2015 and 2020. 

In the Klarna app, Irish consumers will be able to ‘Pay in 3’ at any online store, regardless of whether they are a Klarna retailer or not, thanks to the innovative ‘Shop Anywhere’ function.

Similarly, consumers who use Klarna at a partner retailer’s online checkout will be able to split their purchases interest-free. With a range of domestic and international retailers including Gym + Coffee, Perspective, Yummie, Cult Beauty, Greene’s Shoes,  Luna by Lisa and Yours Clothing all teaming up with Klarna, consumers will benefit from greater control, transparency and choice over how they pay.

Klarna’s launch will help Irish merchants, both big and small, adapt to a shifting retail landscape enabling them to improve their customer experience in response to changing consumer preferences whilst accessing a much wider community of global consumers. 

Sebastian Siemiatkowski, Klarna’s Co-founder and CEO said:
“Ireland is a really exciting market for us, as people turn away from credit cards. As the older-style financial institutions exit the market we’re here to create more competition, which is in the best interest of the consumer. At Klarna we believe that everyone deserves a better way to shop and pay, with more control, choice and flexibility. Traditional high-cost models like credit cards are built on charging interest and late fees to the rest. That’s why we offer flexible, transparent and fair payment options without charging interest or fees.” 

Colin Creagh, Head of Business Development at Klarna in Ireland, adds:
“We’ll be working with our Irish retailer partners to help them access a global marketplace. With coverage in 17 markets across three continents, we can accept payments from almost every country in the world, unlocking huge growth opportunities for our partners. As a key European market with a population of keen digital adopters, Ireland has long been part of our expansion strategy in our mission to offer safer, more sustainable payment options to customers around the world.”

Lee McNamara, Ecommerce Manager at Gym + Coffee commented: 
“We’re thrilled to partner with Klarna and offer payment options that make it easier for our consumers to purchase with confidence. This sort of flexibility, convenience and financial control that paying with Klarna brings is the future of retail and we’re excited to be at the forefront of this shopping revolution.”

How the app works.
Through the Klarna app, people can shop anywhere online and split the payment into 3 equal monthly payments, with no interest or fees. All payments can be managed and tracked within the app, which is designed to help consumers manage their spending and payments.

The Klarna app also gives consumers: 

  • Collections, save the items you love, spark your inspiration with curated wish lists or find the hottest items from your favourite retailers. Wish lists can contain items from any retailer and can either be kept for private use, or shared with friends and family.
  • Price drop notifications, consumers can set up alerts for the products they love, and only pay for them when they’re comfortable with the price, offering the best value for money on their purchases. 
  • Exclusively curated content from the world of fashion, beauty, and lifestyle.

Klarna carries out robust eligibility assessments on each and every transaction. Its business model is built on people paying back on time -  because consumers aren’t charged interest or late fees Klarna has a strong incentive to only lend to those who can shop responsibly and meet repayments.

How to pay-in-3 in the app:

  1. Shop at any online store in the Klarna app 
  2. Find what you love and add it to your basket 
  3. Press the pink ‘pay with K’ button
  4. Create a one-time card for the value of your purchase 
  5. Choose to pay in 3 and review your plan
  6. Copy and paste your one-time card details into the checkout

Notes to editors:

  • Buy Now Pay Later is a way of splitting your payments over time when shopping.
  • Klarna charges consumers no fees or interest because we charge retailers to offer the service, so consumers never pay more than the price of the original purchase. 
  • There are no interest or fees applied, ever. Even in the rare cases when consumers fall behind on payments.  
  • We perform strict eligibility checks each time a consumer uses our service. 
  • This is a much better alternative than using credit cards, where consumers can postpone payments indefinitely and are subject to high interest rates which causes their debts to grow. 

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