Find solutions

  • Customer login

    Continue in browser

    Log in to get an overview of your purchases, upcoming payments and settle them easily with one click.

  • Business log in

    Log in to manage your orders, payout reports, store statistics, and general settings.

Payment installments that delight customers.
Payment installments that delight customers.


Payment instalments that delight customers.

Increase sales by letting your customers split their payment into 4 interest-free instalments.

Some of New Zealand's biggest brands are using Klarna's 4 Instalments to drive sales.

Cotton on Logo
Mighty Ape logo
Freedom 2020 Logo
Juliette hogan logo
EB Games logo

Give your customers the financial freedom they deserve by letting them choose how and when to pay. We make it easier than ever to shop online or in-store. Your sales increase and so do your happy returning customers.


increase in average order value with Klarna's interest-free instalments.


of users would have abandoned their purchase if Klarna instalments weren't available.

How online payments work.

On each product page, shoppers learn that they can buy now and spread the cost over 4 convenient instalments at no additional cost.

Image showing four installments with no interest on Klarna app

1. At checkout

At checkout, the customer selects Klarna as their payment method. They will then see the option to pay using 4 Instalments along with the cost and payment schedule.

Image showing Klarna notification explaining payment instalments

2. On shipment

Once the order is processed, Klarna pays you (the retailer) upfront and in full. We'll take care of collecting the payments from the shopper.

Image showing Klarna app Post purchase experience

3. Post-purchase

Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders.

Effortless integration.

Getting up and running with Klarna is easy. We can quickly integrate with your existing technology platforms and payment partners. Need a custom solution? We can do that, too.

SAP logo
Adyen logo
Stripe logo
GlobalE Logo

Details about 4 Instalments.

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


Market availability


Show/hide function


Payment period starts

When order is shipped

Number of payments

4 payments

Time between payments

2 weeks

Consumer APR

0%. No interest

Payments made


Zero-fraud liability


Klarna Sellers Protection



E-commerce platforms

Direct integration via

Javascript and RestAPI

Auto updates


Developers resources


Max payment delay

3 business days after order is shipped

Standard term of agreement

24 months

Cost/pricing model

Up to 0.30 NZD + 2.99% per transaction

Get more customers who shop more, more often. Are you ready?

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