Merchant Portal

Give your customers the credit they deserve.

A modern financing product that gives your customers the control and flexibility they need to make spreading the costs of a purchase over time worry and hassle-free.

Some of our clients

Slice it. Open line credit, in-line.

Consumer financing is about control and flexibility and every customer is a real person with individual needs and financial circumstances.

We offer different retail finance options that can easily be integrated into your existing customer journey without you needing to alter the checkout flow or ask for any new information that you don’t want to collect.

Contact us for pricing and to get started.

Before the checkout

Get more customers to the checkout

Using Slice it upstream to advertise the monthly payments, rather than the full price, gets more customers to the checkout, with more purchase power.

Smart and intuitive presentation lets the customer know how much they will pay each month without any hidden costs or unwelcome surprises

During the checkout

A quick and easy checkout

There’s no need to fill in lengthy personal details or card numbers to make a purchase. For first-time users a unique credit application process requires only two pieces of information and takes just seconds to complete.

Application is one-time-only and from then on customers can benefit from a open line of credit and one-click buying across our entire global merchant network.

On confirmation

Part payment with upfront payout

As soon as the purchase is completed the customer can immediately see all the details and their payment options in the Klarna app.

We handle the financing process for your customers and you get paid upfront and in full.

After purchase

Paying is as smoooth as buying

When it’s time to make a payment, the customer is offered control and flexibility with options in the Klarna app that include reminders, auto-pay and the ability to choose from various settlement sources.

Klarna is responsible for collecting payments so even if a customer defaults, you still get paid: We take all the risk.

Great customer experiences have a great impact on your business

Higher average order value when customers choose to pay with Klarna.

Increased conversions at checkout.

Klarna assumes all credit and fraud risk on transactions.

The different Slice it options, on an open line of credit.

Planned Payments

Customers choose planned payment terms starting at 6 months at a reduced promo APR.


No fixed term commitment: Customers may pay their balance in full or make the minimum monthly payment (interest charges may apply) – it’s their choice.

No Interest If Paid In Full

Customers pay for their purchase at no interest if the order amount is paid in full within the offer period.

Personal financing

Customers are given the experience that is best for them with a dynamic display in the checkout. The best option can be pre-selected based on earlier behavior and credit products can even be “hidden” when we can see the customer wouldn’t be eligible. This requires no pre-assessment action to be taken by the customer, it is done automatically in the background.

Friction-free financing

Smart systems instantly assess different types of information removing the need to ask the same lengthy and personal questions as with traditional offline financing. The process of applying for credit takes place real-time and doesn’t delay or interrupt the purchase for the customer.

Pre-fill from customer recognition enables one-click buying across the entire Klarna merchant network.

Risk-free financing

Your customers get clear and understandable financing plans while you get paid upfront in full and we take all the credit and fraud risk.

The technology-driven underwriting system behind Slice it analyses every transaction risk instantly with industry-leading accuracy. Assessing people, not demographics, with a huge number of data points enables us to responsibly accept more purchases with the lowest fees around.

No matter what product you choose, you will always get:

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The consumer app

Allow customers to take control over their personal finances with easy-to-use features enriching the shopping experience.

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The merchant portal

You will get access to a backend in which you can manage everything Klarna.

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No risk, for you or your customers

You will always get paid and the customer is covered by Klarna's Buyers Protection.

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Global products, local faces

All products are built to be adapted to local preferences and legislations. Also, we have local support for you and your customers

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Single integration, integrated once

After having integrated Klarna, the products will be automatically updated without you lifting a finger.

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Klarna as a marketing tool

You will get access to marketing material that you can use in your marketing initiatives. E.g. the “As low as” aspects is usually popular to promote.

Be part of a great community of online superstars

Read stories of merchants who are already experiencing the benefits of partnering with Klarna.

A smoooth integration on any platform

Our pre-configured modules and plugins for the most common eCommerce platforms make integration effortless, allowing you to start selling online quickly.

Get in touch.

If you’re ready to start enjoying the benefits of partnering with Klarna, click the button below. We’ll have you up and running in no time and are always ready to help if you need us.

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By submitting information, I agree to Klarna's handling of personal data

Klarna is committed to letting you know how we will collect, use, store, share and protect your personal information when you transact with us. You accept this privacy policy (the “Privacy Policy”) whenever you access or use Klarna products, services, features, and technologies (the “Klarna Services”).
Read the full privacy policy here.