Offer 3 interest-free instalments.

Interest-free instalments give shoppers the freedom to choose how and when to pay. They can spread the cost while you get paid in full, straight away. As an alternative to credit, instalments boost sales and loyalty when offered as an option in your checkout.


increase in average order value from shoppers paying with instalments.


of users would have abandoned their purchase if instalments wasn’t available.

How it works.

The ability to pay in instalments increases a shopper's financial control and spending power. Now they can buy what they want, when they want it. With no interest or fees - ever. FOMO is so over. Good news for shoppers, great news for your business.


Shoppers learn that they can buy now and spread the cost over 3 convenient instalments at no additional cost to the customer.

At checkout

After selecting Klarna, the payment details are displayed. Both credit and debit cards can be used for payment. No signup or account is required.

On shipment

Once the order has been processed, we collect the customer’s first payment and pay you in full. We'll then automatically charge their card on Day 30 and Day 60 from moment of purchase.

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 complete protection to buyers. We also put control in the hands of customers with the Klarna app – gathering all orders in a single place. Through the app, customers can manage their purchases, choose payment methods, chat with customer service 24/7, and even report returns. Before their next payment is due, we’ll send a friendly reminder for a hassle-free experience.

Our super simple checkout and effortless post purchase experience is designed for customer satisfaction.


of shoppers are likely to revisit a retailer who offer Klarna instalments.


of users say Klarna is a better experience than other online checkouts.

Boost your business.

Almost half of online shoppers in the UK now expect alternative payment options. Give shoppers what they want - convenience and choice - while growing your business at the same time. Our instalments service is perfect for fashion, beauty, homeware, jewellery and electrical retailers with AOVs between £100 - £800.


From browsing to purchase in 25 seconds. That’s up to 3x faster than competitors. One-click shopping together with an easy and seamless checkout will make more shoppers complete their purchase.

Average order value

With a payment option that lets shoppers spread the cost of their order, together with our full buyer’s protection, they get more security and spending power. Making large purchases becomes even easier.

Customer loyalty

Exceeding the customer's expectations will increase satisfaction and the number of happy, returning customers. And our 24/7 customer support is always ready to help.

Drive traffic

Partnering with Klarna will increase your website traffic. Our strong brand and influencer collaborations speak to shoppers, who are actively looking for retailers that offer our payment methods.

We’ve been very happy with the performance of our website since switching to Klarna. It’s given our customer more ways to pay that suit them, and our company a powerful competitive edge. With the launch of Pay in 3, we hope to see even greater results! I’d highly recommend Klarna to everyone.

Mark Buxton, Head of eCommerce at Daniel Footwear

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 channels, such as our shop directory.

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

Global enterprise solutions

Adaptable products to fit local preferences and legislation.

Upfront payment

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


Up to 5.40% + £0.20 per transaction

Ready to get more customers, who buy more and do it more often?

Annual volume:

Less than £50K

Get your business off the ground. Start selling with Klarna today to offer a smoooth checkout experience. Just enter through our easy on-boarding process.

Annual volume:

More than £50K

Is your business already booming? Good for you. Now let us help you take it to the next level. Get started with Klarna today.


How to integrate depends on if you’re looking to upgrade your full checkout or simply add the payment method to your current checkout. You can choose to integrate Klarna Checkout, which includes Instalments as a payment method. You can also integrate Instalments as a stand-alone payment method into your current checkout solution via your preferred platform, or using our simple APIs.


Klarna’s instalments option is available on almost every e-commerce platform. 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.


Let’s get down to the nitty-gritty. All you need to know about Klarna Instalments is right here.


Market availability
Show/hide function
Payment period starts
When order is shipped
Number of payments
3 payments
Time between payments
30 days
Consumer APR
0%. No interest
Consumer fees
No fees
Payments made
Automatically charged from specified card
Klarna buyers protection
Klarna sellers protection


Pre-integrated e-commerce platforms
Direct integration via
Javascript and RestAPI
Auto updates


Max payment delay
12 months
Standard term of agreement
36 months
Cost / Pricing model
Up to £0.20 + 5.40% per transaction

What else?

We have more solutions and payment methods that might interest you.

Pay in 30 days

Offer an extra 30 days to pay.

Let your customers try before they buy by offering an extra 30 days to complete their payment. No fees.


Offer up to 36 months to pay.

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

Ready, steady, smoooth.