Find solutions


What the future has in-store.

Increase sales and reach new customers by connecting your physical store to the world of Klarna.

Join some of the world’s biggest brands by boosting your business with Klarna In-store.

The flexibility of online shopping, now in your physical store.

With Klarna In-store you can connect your store to the Klarna ecosystem of shopping services. That means you can offer a variety of flexible payment options to boost conversion and AOV, market your store to drive footfall and attract new customers, and get more insights on who’s shopping in your store.


of Klarna In-store users are either Millenials or Gen Z.


higher AOV for retailers when customers pay with Klarna.


of shoppers say it's important for them to have a choice in payment methods.

We help you find shoppers - and shoppers find you.

With Klarna In-store you get new ways to reach and attract shoppers to your physical store, all through the Klarna app.

  • Allow shoppers to find your store in the Klarna app
  • Attract nearby shoppers with location based alerts
  • Spread the word through In-app messaging
Pandora x Klarna Case Study

Pandora charms growth with Klarna In-store.

"With Klarna, we can tap into new 'tribes' that are proactively seeking retailers that offer Klarna". By partnering with Klarna, Pandora has been able to reach a younger demographic, get new shopper insights and have seen a 70% increase in AOV for Klarna transactions.

How customers pay.

Choose between our integration-free Digital Card or our speedy integrated QR code solutions.

No matter which solution you choose, payments always starts in the same place: the Klarna app.

Pay in 4 with zero integration.

Offer Klarna’s flexible payments with zero technical integration. With Digital Card all you need to do is put up signage, educate the staff and start selling. Here's how the customer pays:

Screen showing a customer creating a single-use digital card in the Klarna app

1. Create card

The customer finds your store in the Klarna app and creates a single-use digital card.

Screen showing the single-use digital card in Apple Pay wallet ready to be used to be tapped

2. Tap-to-pay

The customer adds the card to their Apple Pay or Google Pay wallet and simply taps their phone to the card terminal.

Screen showing post purchase of single-use digital card

3. Post purchase

They'll get a clear overview of their purchases and can easily manage their payments in the Klarna app.

Want to know more or get a demo?

The smooothest in-store experience.

Klarna's integrated QR codes take your shopping experience to the next level. Create a quicker checkout, offer all of Klarna’s payment options and get even more customer insights by integrating Klarna with your POS system or card terminal.

Show QR.

The customer generates a QR code in the Klarna app that is scanned at checkout to initiate the payment. The customer then confirms the purchase in the app. That's it! Via our integration, both SKU and customer data can be shared in real-time.

Scan QR.

Klarna has ready-made integrations with global PSPs like Adyen and Verifone, allowing your customers to pay with the Klarna app by scanning a QR code that is presented on your card terminal. You save time by not making a new integration and through a quick user flow.

Designed to suit your business.

We make it easy.

Whether you choose our non-integrated Digital Card solution or you want to make a custom integration, we guarantee a smoooth process.

More ways to pay.

With Klarna In-store you can offer customers a variety of payment options, but you always get paid upfront.

Customer insights.

With Klarna In-store you get a new source of insights into who your customers are and how they shop.

We’re everywhere your customers shop.

Whether in-store, online, or in-app, Klarna sales channels give your customers the ability to shop what they love today and pay later, while you get paid upfront.

In-app checkout

A checkout solution designed for your mobile app.

Make it easy for customers to shop in your app with access to our flexible payment methods.

Express button

A quick-pay button that adds convenience to the shopping journey.

Boost conversion and give your customers the speedy VIP treatment they deserve.

Ready to boost sales and enhance the customer experience with Klarna In-store?

Monthly financing through Klarna and One time card bi-weekly payments with a service fee issued by WebBank, member FDIC. Other CA resident loans made or arranged pursuant to a California Financing Law license. Shop anywhere online in the Klarna App. Copyright © 2005-2023 Klarna Inc. NMLS #1353190, 629 N. High Street, Third Floor, Columbus, OH 43215.