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Image showing four payments customer has in the app

Payment methods that increase sales.

Unlock your customer's purchasing power. Offer more payment options so they can decide when and how to pay.

New Zealand's top brands are using Klarna payment methods to boost sales.

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More options. More purchases.

Our flexible payment options are built for the modern shopper. Give your customers the ability to buy what they love today, online and in-store. You always get paid in full and upfront, your customers pay at a later date. It doesn't get simpler.


4 interest-free payments.

Give shoppers the freedom to spread the cost interest-free over time. You get paid immediately and shoppers get a flexible plan.

How we help grow business.


increase in average order value from shoppers paying with 4 Instalments.


Customers who choose Klarna shop 20% more often and purchase 45% more per transaction on average.


of users would have abandoned their purchase if 4 Instalments weren't available.

Working with everyone you know.

Add the power to pay later to your store with a quick and simple integration. Select the payment methods that best suit your business or integrate through payment service providers. Need a custom solution? We can do that, too.

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Klarna's Complete your purchase screen over cowboy boots

Shopping made easy.

We give your customers a seamless, intuitive, and enabling shopping experience. With modern technology, we'll help you deliver one-click purchases and the flexibility shoppers want. It's shopping the way it should be: easy, safe, and fun.

Flexible payments

When using 4 Instalments, customers pay their 1st instalment upfront and their remaining 3 payments are collected automatically every 2 weeks.

Faster online checkout

The consumer experience is fast and frictionless when buying with Klarna. Go from browsing to bought in 25 seconds. That’s up to 3x faster than competitors.

Effortless shopping

With no added cost to the purchase and automatic payments, shopping is just as easy as making any regular card purchase. More freedom means happy, returning customers.

Personal experience

Returning online shoppers are treated like returning customers for you. Details are pre-filled and preferred shipping and payment options are pre-selected.

No risk. Just rewards.

Selling with Klarna will boost your sales and make running your business easier.

Get new customers

Klarna refers millions of shoppers to our online retailers via integrated marketing campaigns.

Problem? No problem!

We're here to help if anything unexpected happens to you or your customers.

Zero-fraud liability

We've got your back. If it turns out a customer isn't who they say they are, we take the cost.

Upfront payment

You always get paid upfront and in full with any Klarna payment option.

Seller protection

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

Global enterprise solutions

Adaptable products to fit local preferences and legislation.

Automatic updates

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

Copyright © 2005-2024 Klarna Bank AB (publ). Headquarters: Stockholm, Sweden. All rights reserved. Klarna Bank AB (publ). Sveavägen 46, 111 34 Stockholm. Organization number: 556737-0431