smoooth hands pay in 3

Interest free instalments.

Let your customers split the cost of their purchase into 3 monthly instalments, online and in-store.

The UK’s biggest brands let their shoppers pay in 3 instalments with Klarna.

Give your customers the financial freedom they deserve by letting them choose how and when to pay. Payment convenience and control for shoppers when they need it, on their terms.

How instalment payments work.

On each product page, shoppers learn that they can buy now and spread the cost over 3 monthly interest-free instalments.

Card pay in 3

1. At checkout

At checkout, the customer selects Klarna as their payment method. They will then see the option to pay using 3 Instalments along with the cost and payment schedule.

Card pay in 3

2. On shipment

Once the order is processed, Klarna pays you (the retailer) upfront and in full. We'll take care of collecting the payments from the shopper.

Card pay in 3

3. Post-purchase

Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders.

Cox & Cox

“The biggest surprise was Klarna’s success as an acquisition tool. Our tracking confirms that 50% of all Klarna sales are new customers to Cox and Cox, with many in the 25-34 age group. Klarna has helped us break free from typical buyer stereotypes and open up a new demographic for our business.”

Aynsley Peet, Head of Ecommerce at Cox & Cox

Effortless integration.

Getting up and running with Klarna is easy. We can quickly integrate with your existing technology platforms and payment partners. Need a custom solution? We can do that, too.

Details about 3 Instalments.

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
Credit broker licence
Not required. Unregulated product.


Direct integration via
Javascript and RestAPI
Auto updates


Max payment delay
18 days
Standard term of agreement
36 months
Pre-integrated e-commerce platforms

What else?

We have more solutions and payment methods that might interest you. Read more about how and where you can sell with Klarna.


Offer up to 36 months to pay.

Give your customers the option to buy now and spread the cost with monthly payments, interest free or interest bearing.

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, interest free.

Get Klarna customers shopping with you now. Are you ready?