Offer up to 36 months to pay.

Adding financing as an option in your checkout gives your customers an opportunity to spread their cost over time. And pay at their own pace. This means increased purchasing power – giving you more sales.


increased average order value.


higher checkout conversion.

How it works.

Our financing options are designed for today’s shoppers – giving them more ways to buy online in your store. Monthly financing helps your customers pay over 6–36 months.


Shoppers see both the full price of an item and the minimal monthly cost when paying with Financing.


Your customer selects Financing and completes a simple, one-time application to receive an instant decision without entering their card details.

On shipment

Your customer easily makes their monthly payments to Klarna online or in our app. You always get paid in full, upfront, even if we don’t.

Post purchase experience.

Whether you’re a buyer or a seller, we’ve got your back. We take full fraud and credit risk for sellers, while giving full protection to buyers. We also put the control in the hands of the customers via the Klarna app – gathering all orders in a single place. With the app, your customer can manage their purchases, choose or change payment method, chat with customer service 24/7 or make returns. And two days before the invoice is due, we remind the customer of their payment.

You can offer 3 flexible ways for customers to split their purchase over time.

No interest, when paid in full.

Customers make monthly payments within the offer period of either 6 or 12 months. Interest will be charged from the posting date if not paid in full.

Flexible month-to-month.

No fixed term commitment. Customers can pay their balance in full or make the minimum monthly payment. Interest charges may apply.

Planned payments.

Planned and fixed payment terms between 6–36 months at a reduced promo annual percentage rate.

The smoooth credit application is done with no more than two steps and your customer doesn't have to leave your site. It’s super easy and mobile friendly, putting us way ahead of our competitors.


of users say Klarna is a better experience than other online checkouts.


of users say they only completed their purchase because our financing option was available.

Boost your business.

A customized payment solution that speaks to your customer's needs will make them happy to spend more money. Offering Klarna Financing is the easiest way to make that happen. Increase your customer’s spending power and you’ll sell more stuff.


The simple credit-process and seamless checkout experience will make more shoppers complete their purchase.

Average order value

Allowing shoppers up to 36-months financing will increase their purchasing power. Which means boosting your sales.

Customer loyalty

By offering solutions that meets your customers needs, you will attract new and returning customers to your store.

Drive traffic

Partnering up with Klarna will increase your website traffic. We’re constantly working on ways to boost your conversion rates.

We launched with Klarna around the start of the golf season. In the weeks that followed, it was clear that we were already surpassing all sales expectations.

John Gonsalves, TaylorMade Golf

Always with Klarna.

Regardless of what solution or payment method you sign up for, joining forces with Klarna will make running your business easier.

Automatic updates

You’ll always have the latest and greatest version of all Klarna products.

New customers

Klarna refers millions of shoppers to online retailers via in-app promotions.

Business insights

Make smart, data-driven decisions based on real customer insight.

Dedicated support

You can contact our business support 24/7 with questions or feedback.

Go to business support

Buyer’s Protection

We guarantee that the merchant holds up their end of the bargain. If the goods are wrong or don’t arrive, we take the cost.

Read the full policy

Seller’s Protection

We assume all credit and fraud risk, so you can focus on running a successful business.

Globally compliant

All products are easily adaptable to local preferences and legislation.

Upfront payment

You always get paid right away and in full with any of Klarna’s payment options.


How to integrate depends on if you’re looking to upgrade your full checkout or simply add the payment method to your current checkout. You can choose to integrate Klarna Checkout, which includes Financing as a payment method. You can also decide to integrate Financing as a stand-alone payment method into your current checkout solution.


Klarna Financing is available on almost every e-commerce platform. The easy setup is straightforward and it won’t be long until you can start accepting payments.


Here you will find the integration guides, API documentation for those wanting to integrate directly with our systems, and more to help you get started.


Up to 3.29% + $0.30 per transaction - all card processing fees included.

Ready to get more customers, who buy more and do it more often?

Annual volume:

Less than $50K

Get your business off the ground. Start selling with Klarna today and offer a smoooth checkout experience. Just enter our on-boarding process.

Annual volume:

More than $50K

Is your business already booming? Good for you. Now let us help you take it to the next level. Get started with Klarna today.


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


Market availability
Show/hide function
Payment period starts
When order is shipped
Number of payments
3+ payments
Time between payments
One month
Consumer APR
No more than 19.99%
Payments made
Manually paid online or in app.
Klarna buyers protection
Klarna sellers protection


Direct integration via
Javascript and RestAPI
Auto updates
Dev resources


Max payment delay
3 business days after order is shipped
Standard term of agreement
36 months
Cost / Pricing model
Up to 0.30 USD + 3.29% per transaction.
See legal terms

What else?

We have more solutions and payment methods that might interest you.


Offer interest-free installments.

Allow your customers a modern alternative to credit by letting them pay later with 4 interest-free installments.

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. No fees.

Ready, steady, smoooth.