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Payment overview
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.

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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.

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Details about Financing.

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


Market availability


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Payment period starts

When order is shipped

Number of payments

3+ payments

Time between payments

1 month

Consumer APR

From 0-33.99% APR

Payments made

Manually paid online or in app

Zero-fraud liability


Klarna seller 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

24 months

E-commerce platforms

What else?

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

Pay in 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.

Monthly financing through Klarna and One-time card bi-weekly payments with a service fee to shop anywhere in the Klarna App issued by WebBank. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. Copyright © 2005-2024 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards, Financing, Klarna Card): THIS IS A LOAN SOLICITATION ONLY. KLARNA INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.