30% higher checkout conversion.

Klarna Financing helps shoppers spread their cost over time and pay at their own pace.

Offer up to 36-months financing to increase your customers purchasing power – allowing them to get the things they want, when they need them.
Give your customers the credit they deserve. And expect a boost in sales performance as a return.


increased average order value.


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


of shoppers were satisfied with their 4 installments experience.

How it works.

Take a look at how Klarna Financing is tailor-made for today’s shoppers – giving them more ways to buy online in your store.

1. Browsing

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

2. At checkout

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

3. 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.

How we grow your business.

Our channels allow us to communicate with your next customers. We reach and engage millions of shoppers across our app and social channels to drive you traffic. And then we convert them.


4 million uniqe visitors to our Shop Directory every month - the perfect place to promote your store across the globe.


7.8 million monthly active users of Klarna’s shopping app - the most downloaded Pay Later app in the world.


50 million social media impressions every month. Our high engagement marketing campaigns tap in to pop culture.

Make it work for you.

Klarna Financing is a perfect fit for your online store. Get up and running in minutes or build your own bespoke integration.

Start selling with Shopify

Add the power to Pay Later to your Shopify store with a quick and simple integration of payment methods that best suit your business.

Start selling with WooCommerce

WooCommerce and Klarna are perfect partners for turning your WordPress site in to a smoooth shopping experience.

Platforms & integrations

Our services have been pre-integrated into most e-commerce platforms out there. Getting started is just a click away.


With our simple integration guidelines and API documentation, you can integrate with us directly, no matter your setup.

No risk. Just reward.

Selling with Klarna will boost your sales and make running your business easier.

New customers

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

Upfront payment

You always get paid upfront and in full with any Klarna payment option.

Seller’s Protection

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

Buyer’s Protection

We’ve got your customer’s back. If their order doesn’t arrive, they don’t pay. We take the cost.

Globally compliant

All products are adapted to fit local preferences and legislation.

Dedicated support

24/7 business support with our award-winning service team.

Automatic updates

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


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.

Are you ready to get more customers who spend more and do it more often?