More ways to pay IRL.

Klarna Instore lets you offer our alternative payment methods wherever you get in direct contact with your customers.


of shoppers say that choice in payment methods is important to them.


of instant financing customers have a higher average order value than typical shoppers.

How it works.

Your customers can complete their transactions using Klarna payment methods in store. It's easy to set up with minimal integration required.

Point of sale

When the customer asks to use Klarna instore, you create a new order.

Payment choice

You share a payment link to the customer, who then selects a payment method.


A confirmation is sent to you and the customer. The goods can be handed over.

Post purchase experience

Whether you’re a retailer or a shopper, we’ve got your back. We take full fraud and credit risk for sellers, while giving full protection to buyers. We also put the control in the hands of customers via the Klarna app – gathering all orders in a single place. With the app, your customers can manage their purchases, choose payment method, chat with customer service 24/7, and even make returns. Before their next payment is due, we’ll send a friendly reminder for a hassle-free experience.

Boost your business.

Be wherever your customers are. And then offer them full payment freedom. Giving your customers the same shopping experience online as IRL will make it easier for them to make a confident purchase decision. Meaning more sales for you.


Your customers don’t need to complete a lengthy credit application or spend time waiting for a decision. They can simply ask to pay with Klarna, verify their details, and confirm their purchase.

Average order value

The Instore option is available for both Klarna's interest-free instalments and our financing. Increased purchase power for your customers, no risk for you.

Customer loyalty

By offering Klarna Instore your customers gets flexible payment options and feel more comfortable with their purchase. Happier customers return more often.

Increase awareness

Klarna can even help you promote your in-store payment options with marketing materials for your shops.

Our Millennial customers are totally switched on to Klarna . . . With Klarna they can manage their spend according to their ethical values without compromising because of cost. They can choose styles that suit them with the reassurance that they’re also sustainable and hand-crafted.

Tanya Brown, Co-Owner and Co-Founder at Hot Futures

Always with Klarna.

Regardless of what solution or payment method you sign up for, joining forces with Klarna will make running your business easier.

Automatic updates

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

New customers

Klarna refers millions of shoppers to our retailers via our shop directory and social channels.

Dedicated support

24/7 business support with our award-winning service team.

Go to business support

Seller’s protection

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

Buyer’s Protection

We’ve got your customer’s back. If their order doesn’t arrive, they don’t pay. We take the cost.

Read the full policy

Globally compliant

All products are adapted to fit local preferences and legislation.

Upfront payment

You always get paid right away and in full with any of Klarna’s payment options.


By using Klarna’s Hosted Payment Page (HPP), you can offer our payment methods in your physical store. HPP supports both Klarna Checkout and Klarna’s stand-alone payment methods so that you can pick the solution that best matches your needs.


Klarna Instore is available on most e-commerce platforms. The easy setup is straightforward and it won’t be long until you can start accepting payments.


Here you will find the integration guides, API documentation for those wanting to integrate directly with our systems, and more to help you get started.


Find all the nitty-gritty regarding integration, features, performances and the service.


Market availability
Cutomer identification
Payment methods
Instalments, Financing
Klarna buyers protection
Klarna sellers protection


Direct integration via
Javascript & RestAPI
Auto updates
Auto local
Dev resources


Max payment delay
3 business days after order is shipped
Standard term of agreement
36 months
Cost / Pricing model
£0.20 + up to 4.90% per transaction.

What else?

We have more solutions and services that might interest you.


Offer up to 36 months to pay.

Give your customers the flexible option to buy now and spread the cost with monthly payments.


Offer interest-free instalments.

Allow your customers a modern alternative to credit by letting them pay later with 3 interest-free instalments.

Ready, steady, smoooth.