Increase sales with installments
Give your customers financial freedom by allowing them to pay in 3 or 4 installments—while you receive full payment upfront.
The original innovators of Pay in 3 and Pay in 4
Let customers flex their shopping muscles with Klarna's Pay in 3 or Pay in 4 installment plans. It’s just one way we’re transforming e-commerce into a global, flexible and trustworthy experience.
Maximize your revenue
Drive conversion with our tech-leading, interest-free installment options. Whether your business operates online or in-store, we've got you covered.
Increase AOV
Boost conversion
Improve retention
Enjoy transparency
Your ultimate shopping solution
Transform browsers into buyers, and keep existing customers coming back with interest-free installments.
Give shoppers more payment convenience and watch your sales soar, as your average cart values increase.
The world’s top brands use Klarna Installments to increase sales
How Installments work
When shoppers find something to love, they can choose to spread the cost over 3 or 4 monthly installments—interest-free. Find out how it works in more detail below:
At checkout
After shipment
Post-purchase
Effortless integration with Klarna—directly or via our partners
Klarna is available on all major e-commerce and payment platforms. Add the power of the pink Klarna badge to your checkout with a quick and easy integration. Need a custom solution? We can do that for you too.
Details about Installments
Let's get down to the nitty-gritty. All you need to know is right here.
Market availability* | Pay in 4: AU, CA, MX, NZ, US Pay in 3: AT, BE, CH, CZ, DE, DK, ES, FI, FR, GR, HU, IE, IT, NL, NO, PL, PT, RO, SK, UK |
Show/hide function | Included |
Payment period starts | When order is shipped |
Number of payments | 3 or 4 payments |
Time between payments | 2 weeks or 30 days (dependent on region) |
Consumer APR | 0% — no interest |
Payments made | Automatically charged to specified card |
Zero-fraud liability | Included |
Seller protection | Included |
Buyer protection | Included |
*Market availability for Installments depends on merchant eligibility, integration setup, and Klarna approval. Some markets listed may require activation and are not part of the default offering.
Explore more ways to pay
Check out other solutions and payment methods that may interest you. Discover how and where you can sell with Klarna.
Pay in 30 days
Pay in full
Financing
Boost your business. Get started today.
Tap into the Klarna network and grow your business by offering flexible, fair payment options.