Find solutions

Payment overview

Boost sales with customer Financing.

Offer your customers flexible financing. You always get paid upfront and in full and customers get a new level of buying freedom.

The world’s top brands are using Klarna Financing to increase their sales.

Klarna Financing gives your customers the flexibility to buy now and spread the cost with monthly payments. Your customers will get increased purchasing power, which means more sales and better conversions for your business.


increase in average order value with Klarna Financing.


increase in checkout conversions when shoppers choose Klarna financing.

How Financing works.

On each product page, shoppers see both the full price of an item and the minimum monthly cost to use Klarna Financing.


1. At checkout

Your customer selects Financing and completes a simple application with top-of-mind details. They will receive an instant decision with an offer personalized to fit their needs.


2. On shipment

Your customer easily makes their monthly payments to Klarna online or in our app. As always with Klarna, you get paid upfront and in full.


3. Post-purchase

Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders or set up automatic payments.

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.

Details about Financing.

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


Market availability
Show/hide function
Payment period starts
When order is shipped
Number of payments
3+ payments
Time between payments
1 month
Consumer APR
From 0%-28.99%
Payments made
Manually paid online or in app
Zero-fraud liability
Klarna seller protection


Direct integration via
Javascript and RestAPI
Auto updates


Max payment delay
3 business days after order is shipped
Standard term of agreement
24 months

What else?

We have more solutions and payment methods that might interest you. Read more about how and where you can sell with Klarna.

4 Installments

4 interest-free payments.

Give shoppers the freedom to spread the cost interest-free over time. You get paid immediately and shoppers get a flexible plan.

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.

Pay now

Offer to pay in full today.

Give shoppers the flexibility to pay instantly by card.

Get more customers who shop more, more often. Are you ready?

Monthly financing through Klarna is issued by WebBank, member FDIC. Copyright © 2005-2023 Klarna Inc. NMLS #1353190, 629 N. High Street, Third Floor, Columbus, OH 43215. Other CA resident loans made or arranged pursuant to a California Financing Law license.