• For shoppers
  • For business
A hand holding a smartphone displaying the Klarna app with the message "Pay smarter with Klarna".
A hand holding a smartphone displaying the Klarna app with the message "Pay smarter with Klarna".

One invoice for all your purchases

Combine all your purchases into a single Klarna invoice, due at the end of the month. Pay on time and you won’t be charged any interest or other fees.

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Pink over-ear headphones with a centered checkout button labeled Pay with Klarna.

Why do shoppers choose Klarna Monthly Invoice?

  • Simplify your finances by combining all your purchases into one Klarna invoice, so you don’t have to keep track of multiple due dates.

  • Get a clear overview of your purchases and stay on top of your budget, making it easier to plan ahead.

  • Enjoy the flexibility to move individual purchases to the following month for a fee, giving you greater control over your available funds.¹

How Monthly Invoice works

1. Choose Klarna at checkout

Select the pink icon and pay with Klarna when shopping at your favourite retailers.

2. Choose Monthly Invoice

Choose Monthly Invoice to combine the month’s purchases into a single Klarna invoice.

3. Make your payment

Pay for all your purchases at once and keep better track of your spending.
A hand holding a black Klarna Card.

Choose monthly invoicing for your Klarna credit card

Make it easier to pay for purchases made with your Klarna credit card by setting up monthly invoicing directly in the app. Get a clearer overview and manage your purchases with ease.

Use Klarna at brands you love

Look for Klarna at checkout, offered at thousands of brands.
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Discover more ways to pay

Pay in 30 days

Shop now and pay up to 30 days later, with no reminder fees or interest when you pay on time. Only pay for what you keep.
Learn more

Pay in instalments

Easily spread the cost over smaller monthly payments. Choose from 3–36 months.²

Pay now

Pay for what you love right away. It's quick, secure, and easy with saved cards and buyer protection.³
From the Swedish Consumer Agency
Borrowing costs money!

If you cannot repay the debt on time, you risk a payment default. This may lead to difficulties in renting housing, signing contracts, and obtaining new loans. For support, contact budget and debt counselling in your municipality. Contact details are available at konsumentverket.se

Frequently asked questions

Have questions about monthly invoicing? Find the answers here. Contact customer service for more help or help fixing an issue.

Monthly Invoice combines your purchases into a single Klarna invoice due at the end of the month. The invoice shows all your purchases, the total amount due, and the payment due date. As long as you pay on time, there are no interest charges or fees. If needed, postpone individual purchases until the following month for a fee, giving you extra flexibility.¹

On the 15th of each month, you'll receive an invoice covering all your purchases. Pay by the 28th of the same month. Klarna will show the exact due date on your invoice, giving you plenty of time to review and pay it.

Pay your monthly invoice using Swish, a bank account, or bank transfer. Or activate Autopay for monthly invoices in the app to pay automatically.

To use Klarna payment methods with credit, you must:

  • Be a resident of Sweden

  • Be age 18 or older

  • Have a valid bank account and a good credit history

  • Be able to receive verification codes by text message

Create a Klarna account from age 15 and use non-credit payment methods, such as bank transfers and card payments.