Small size. Big ambition.

The entrepreneurial spirit.

Independent retailers come in all shapes and sizes, and are pillars of the digital era. Differentiation is key to standing out as markets grow more saturated, and it’s essential to provide a frictionless online customer experience to keep shoppers happy and engaged.

That’s where Klarna comes in.

We upgrade your checkout with flexible pay after delivery and financing options that allow your customers to buy the products they want, when they want. Optimized for mobile, Klarna gives shoppers flexibility and control over their online purchases.

Stand out from the competition.

Klarna helps start ups and young brands ramp up sales by tapping into consumer demand. Understand the steps your business can take to drive growth and boost customer loyalty.

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With Klarna you can:

Score high on experience

Klarna differentiates with online checkouts that can be tailored to suit the needs of your consumers. From paying after they receive their goods to offering new ways to spread the cost of their purchases. It’s simple, fast and frictionless.

Soften price sensitivity

Klarna's consumer financing can mean the difference between consumers buying and not buying. Klarna helps smooth out demand curves, keeping sales more consistent – particularly when price levels of products start to rise.

Lift service levels

Key to reducing dropped baskets is making sure service measures up to your competitors. Klarna empowers shoppers with one-click purchase, access to instant credit, elimination of refund anxiety, and dedicated customer support.

Boost spontaneous purchases

Allow shoppers to buy what they want, when they want. With Pay later, purchase is easy with minimal data collected and no card details needed, even on mobile. Frictionless, fast and pain free, making checkout a breeze.

Get a marketing make-over

Use Klarna to boost ROI across upstream and downstream marketing. Adding something as simple as free next day delivery combined with Klarna’s Pay later to your promotions can deliver the demand spike you need to dominate a sales window and smash the competition.

Our checkout insights

Guide to high-converting checkout pages


Online payment options that work


Ready, steady, smoooth.