Flexible payments
Pay later gets you paid now.
Get paid upfront while your customers pay at a later date. Letting your customer Pay later with Klarna is the smooothest way to increase sales and average order value.
Some of our global partners
How it works
Enhances the full shopping experience.
On the product page
The shopper sees her options to spread the cost or try before she buys, making the purchase decision easier.
In the checkout
In the checkout, the customer decides to Pay later with Klarna easily confirms the order.
After the purchase
The purchase is managed easily online or in our app. Usually, it’s totally automatic.
Explore the different ways customers Pay later.
You can easily add any or all of these payment methods to your checkout.
Pay later in 30 days
A free payment delay so customers can try before they buy.
Pay later in 3 parts
An interest-free installment plan for customers who want an alternative to credit.
Slice it
Longer-term instalments to make larger purchases possible for your customers.
Easy sign up and set up.
Get up and running on popular platforms like Shopify and Woocommerce. Pay later is available on almost every e-commerce platform, and only takes a few minutes to start accepting payments.
Customers love it.
Pay later takes care of the customer from the point of sale to the final payment. Below is the result of a modern end-to-end payment solution and strong focus on customer care.
94%
would revisit a retailer that offers Pay later.*
79%
would recommend Pay later to a friend.*
* Klarna customer survey 2018
Zero risk for your business.
With Klarna, you always get paid upfront, even if the customer pays us over time. Also, your business is fully protected from fraud and credit risk. Your customers are protected, too, thanks to our pre-authorization process and buyer’s protection policy.
More insights about your customers.
With access to customizable key metrics, you can stop guessing and improve selling. Your sales performance, high-level down to the key details. Get the answers on your dashboard.
Single integration, automatic updates.
After integrating any of our services you will have a hands off experience, while enjoying an always up-to-date checkout. We run countless tests and optimize for business performance and customer satisfaction every day across thousands of retailers.
Be part of a community of online superstars and support
Read the success stories of the business who are already experiencing the benefits of partnering with Klarna.
With Pay later, shoppers are able to buy even more of what they love - resulting in a 31% increase in average order value for In The Style.
Read more Case study
Skinnydip were able to integrate Pay later to their Shopify platform in under 24 hours - and were offering flexible payments to shoppers the very next day.
Read more Case study
When EGO Shoes started to market the ability of Klarna Pay later on their social channels, they saw a 42% increase in returning customers.
Watch the video case study Case study
By offering Pay later and Slice it in the checkout, Yours Clothing has seen over a significant increase in AOV and basket size.
Read more Case study
Schuh increased conversion on mobile by 40% and on desktop by 25% with Klarna Checkout.
Read more Case study
Finery wins new customers with Klarna's Pay later and improves checkout abandonment with Klarna Checkout.
Read more Case study
With Klarna Checkout, Polarn O. Pyret increased conversion by 20% on mobile and share of checkout for Pay later is at 19%.
Read moreFashion
With 24% of fashion now bought online, clothing, footwear and accessory retailers can’t afford any ‘runaway’ sales.
Read moreSports
Sports retailers chasing sales uplift, need to respond with fast, frictionless payment services that keep their visitors coming back for more.
Read moreHome
Whether you’re a furniture start-up, homeware specialist, lifestyle brand or omnichannel retailer, your website needs to work extra hard to secure sales.
Read moreLuxury
Even brand aficionados with expensive tastes, like to browse and buy online. It’s time for exclusive brands to follow-suit and make the aspirational more accessible.
Read moreElectronics
It’s hard for online retailers to offer the personal service levels of their store-based competitors. Websites have to work extra hard to drive sales and lift conversion.
Read moreTravel
Upfront booking costs can stifle spending for travellers and holidaymakers. Help them go further with more adventurous and flexible online payment options.
Read moreBeauty
Give shoppers the the extra boost they need to explore new looks and beauty products without worrying about cash flow. No FOMO here!
Read moreMore ways to sell.
Klarna Checkout
A complete online checkout solution including identification and payments.
Instore checkout
Bring Pay later options to customers visiting your physical store.