Financing
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.
58%
increased average order value.
30%
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.
Browsing
Shoppers see both the full price of an item and the minimal monthly cost when paying with Financing.
Checkout
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.
85%
of users say Klarna is a better experience than other online checkouts.
30%
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.
Conversion
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.
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.
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.
