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Pay in 30 days

Let customers try before they buy.

Offer your customers extra confidence to shop when they place their orders and pay in 30 days — after they've already tried and love your product.

The world’s top brands are using Pay in 30 days.

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Topshop logo
H&M logo
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Pay in 30 days gives your customers the online shopping reassurance of paying up to 30 days later without interest or any fees, when they pay on time. They’re safe in the knowledge they can return it if the product isn’t right and you’ll get happier returning customers.

How Pay in 30 days works.

On the product page, your customers learn that they can pay for their order after receiving it.

Pay later at the checkout

1. At checkout

With simple top-of-mind information, the purchase is completed within seconds. No upfront payment required.

SMS notification of Pay later payment is due

2. On shipment

The order is activated by the retailer and the customer’s payment period starts. Klarna pays you (the retailer) upfront and in full. We'll take care of collecting the rest from the shopper.

Post-purchase screen in the Klarna app showing recent pay later purchase

3. Post-purchase

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

Hand holding a phone with H&M checkout

Klarna x H&M.

We’ve started boosting e-commerce and loyalty for H&M.

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.

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Details about Pay in 30 days.

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


Market availability


Show/hide function

Not included

Payment period starts

When item is shipped

Number of payments


Payment term

Up to 30 days

Consumer APR

No interest

Consumer fees

No fees, when customers pay on time

Payments made


Klarna buyers protection


Klarna sellers protection


Credit broker licence

Not required. Unregulated product.


Direct integration via

Javascript & RestAPI

Auto updates


Dev resources


Max payment delay

18 days

Standard term of agreement

12 months

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 interest-free instalments.

Allow your customers a modern alternative to point of sale credit by letting them pay in 3 equal interest-free instalments.


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.

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

Copyright © 2005-2024 Klarna. Klarna Financial Services UK Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna Financial Services UK Ltd offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.