Let customers shop and pay in full, instantly

Give your customers a secure way to pay in full, alongside a smooth user experience they’ll love.

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Open banking at our core

We integrate Open banking into every pay in full transaction, ensuring seamless connectivity across global services. Klarna's optimized integration provides a simplified solution, removing the complexity and maintenance of traditional Open banking setups.

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Boost your business with a high frequency payment option

Klarna's reliable Pay in full payment option makes it easy for customers to complete their purchase with no friction. Plus, all their purchases are covered by Klarna's buyer protection.

Increase conversions

Put your customers in full control over their expenses by letting them complete secure payments in seconds with no redirects.

Fast payments

We provide fast payment authorizations and near-instant settlement, ensuring that you have quick access to your money.

Risk-free fulfillment

Fulfilling the order is risk-free for you. Klarna assumes the credit and fraud risk while you're paid upfront.

Go global

Local bank accounts make global payments easy. Our simple UX and buyer protection translates across borders.

Effortless integration with Klarna—directly or via our partners

Klarna is available on all major e-commerce and payment platforms. Add the power of the pink Klarna badge to your checkout with a quick and easy integration. Need a custom solution? We can do that for you too.

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How Pay in full works

When shopping your products, customers can pay instantly at checkout. It's convenient, secure and streamlines the purchase experience.

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At checkout

Your customer sees the trusted Klarna badge at checkout, and chooses to pay in full.

Review payment details

Customers enter their details to pay in full, with no redirects when completing their purchase.

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Post-purchase

Shoppers can follow their order from store to door, manage payments, and track their spending—all in the Klarna app.

Covering every industry

Pay in full can be offered to all sectors, so that your customers can benefit from Klarna's smooth checkout experience for all their purchases.

Retail

Automotive, clothing, tech, gastronomy, cosmetics, home decor, accessories, and more.

Travel

Travel, accommodation, transportation, mobility, events, and more.

Digital goods

Betting, casino, leisure, lottery, online games, and so much more.

Financial services

Cards and vouchers, crypto currencies, foreign exchange, remittance provider, and wallets.

Details about Pay in full

Let's get down to the nitty-gritty. All you need to know is right here.

Market availability*	AT, AU, BE, CA, CH, CZ, DE, DK, ES, FI, FR, GR, HU, IE, IT, NL, NO, PL, PT, RO, SE, SK, UK, US
High acceptance	No credit assessment required; rejections only for ineligible cards, insufficient funds or suspected fraud.
Number of payments	1
Buyer protection	Included
Seller protection	Included

Explore more ways to pay

Check out other solutions and payment methods that may interest you. Discover how and where you can sell with Klarna.

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Pay in 3 or 4

Give shoppers the freedom to spread the cost over 3 or 4 payments, interest-free.

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Pay in 30 days

Let your customers buy what they want today and give them an extra 30 days to pay while you get paid upfront.

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Financing

Empower customers with flexible payment plans up to 36 months, with or without interest. Select the option that best suits your business needs.

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Boost your business. Get started today.

Tap into the Klarna network and grow your business by offering flexible, fair payment options.

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