• For shoppers
  • For business
A hand holding a phone with the Klarna app open on the Pay in full page.
A hand holding a phone with the Klarna app open on the Pay in full page.

Pay now. Fast and secure.

With Klarna, you can easily and securely pay the full amount straight away by card, Swish, credit card, or bank account. Track your order in the app, too.

Shop now
An arm holding pink headphones beside a “Pay with Klarna” checkout badge.

Why do shoppers choose to pay with Klarna?

  • Your details are already filled in, and Klarna keeps your personal data safe and secure.

  • Get extra peace of mind with Klarna's buyer protection.¹

  • No credit checks. No fees*.

  • Pay straight away for everyday purchases such as petrol and groceries. It's quick, smooth, and easy.

*FX fees may apply for purchases in a different currency.

Så fungerar Betala direkt

1

Välj Klarna i kassan

Klicka på den rosa symbolen och betala med Klarna i dina favoritbutiker.
2

Välj Betala direkt

Välj Betala direkt bland Klarnas betalningsalternativ – betala med kort, Swish eller bankkonto.
3

Betala direkt idag

Slutför ditt köp, spåra din leverans och mycket mer direkt i Klarna-appen.

Use Klarna at brands you love

Look for Klarna at checkout, offered at thousands of brands.
apotea.se
Health & beauty

Upptäck fler sätt att betala

Pay in 30 days

Shop now and pay 30 days after your order has been shipped. No interest or fees when you pay on time.
Learn more

Pay in 60 days

Get more time to pay for your purchases, with no upfront costs. Shop today and pay within 60 days.²

Pay in instalments

Spread the cost over 3–36 months. Ideal for larger purchases such as travel, tech, or home goods. Interest may apply.³

Monthly invoice

Combine all your purchases into one monthly invoice with a single due date at the end of the month. No interest or fees when you pay on time.

Don't see Pay in full at checkout?

Here’s how to pay flexibly anywhere.

Don't see Pay in full at checkout?

Here’s how to pay flexibly anywhere.
Three Klarna Cards in different colours.
Green jumper for sale in the Klarna app.
  • Debit or credit. You choose. However you pay, our cards give you flexibility and complete control over your spending. Pay anywhere Visa is accepted, online or in store.⁴

    Learn more about Klarna Cards
  • Shop at any store and choose when to pay, plus earn up to 10% cashback at selected retailers. Redeem it to your Klarna bank account.⁵

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

Real reviews from real people

4.5 out of 5 star rating on Trustpilot
TrustScore
4.5
|
612 456 reviews

Customer reviews reflect personal experiences and opinions. A selection of 5-star reviews from our customers.

Frequently asked questions

Have questions about Pay now? You'll find the answers here. Contact customer service for more help or troubleshooting.

With Klarna's Pay now option, pay for your purchase in full right away, with no extra fees or credit check. Payment is quick and secure, and you're covered by Klarna's buyer protection. Track your orders and manage any returns in the Klarna app.

To use this payment option, you must:

  • Be at least 18 years old

  • Live in Sweden

  • Have a valid debit or credit card.

A valid card must be in your name and must not have expired. It must also have enough funds to cover the purchase amount.

Klarna accepts most credit and debit cards. We will inform you at checkout if your card has not been accepted.

Klarna offers Buyer Protection to help you if something goes wrong with your purchase. Find more information in our Buyer Protection Policy.

No, Klarna won’t perform a credit check when you choose to pay the full amount straight away.