In-store

A better way to pay in store.

Up your AOV by 41%* with Klarna’s contactless in-store payment solutions.

Woman making an instore purchase

Klarna In-Store is boosting sales for the world’s biggest brands.

Flexible ways to pay, now in a store near you.

Klarna's contactless in-store payment solution lets customers split their purchase into 4 interest-free payments, while you get paid upfront. It’s a win-win.

78% of shoppers say it's important for them to have a choice in payment methods

Payment options are key

A choice in payment methods at the checkout is important to your shoppers.

41% average AOV increase for retailers offering a Pay in 4 solution

Increase your AOV

Retailers offering a Pay in 4 solution have seen increases in their shoppers' AOV.

20% increase in conversion reported by retailers offering Klarna’s services

Increase your conversion rate

Retailers offering payment solutions have also seen higher conversion rates.

This is Klarna In-Store.

Offer your shoppers flexible in-store payment options with Klarna’s Digital Card. Simple for both shoppers and salespeople.

1. Activation

Display signage so shoppers know they can buy now & pay later in your store. They’ll need the Klarna app to get started.

2. Create card

Customers will search for your store in the Klarna app, and create a Digital Card for their purchase.

3. Tap to pay

Shoppers simply add the card to their Apple or Google wallet, and tap their smartphone for contactless payment.

1. Activation

Display signage so shoppers know they can buy now & pay later in your store. They’ll need the Klarna app to get started.

2. Create card

Customers will search for your store in the Klarna app, and create a Digital Card for their purchase.

3. Tap to pay

Shoppers simply add the card to their Apple or Google wallet, and tap their smartphone for contactless payment.

4. Post-purchase

Shoppers get a clear overview of their purchases and can easily manage their payments.

The nitty gritty.

Service

Market availability
US, AU, UK, DE, NL, IT, AT, SE, FI, NO, DK, BE
Customer identification
Included
Payment methods
Pay in 4 Installments, Pay Later, Pay Now, Financing
Fraud liability protection
Included
Klarna sellers protection
Included

Integration

Auto updates
Included
Auto local
Included
Dev resources

Commercial agreement

Max payment delay
3 business days
Standard term of agreement
36 months
Cost / Pricing model
5.99% on transaction
*Payment methods offering will vary depending on market.

Integrate your in-store payments.

In addition to our plug-and-play offering, we integrate directly with your existing provider to offer Klarna as a payment option from your existing point of sale.

Verifone terminal integration.

Enable Klarna via a fully-integrated solution on Verifone terminals across all retail locations.

Vend ePOS integration.

Offer Klarna seamlessly in-store and with less risk through QR code, SMS, or email with Vend ePOS integration.

Why Klarna?

Pay in 4

Pay in 4

Give your customers the flexibility to shop now and spread the cost over time.

Pay now

Pay Now

Get straight to the point. Paying now with Klarna is fast, simple, and secure.

In-app

In-app

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

On-Site Messaging

On-Site Messaging

Klarna’s free On-Site Messaging keeps shoppers updated on payment options as they browse, helping increase conversion and AOV.

Ready to boost your sales and enhance your customer experience with Klarna In-Store payments?

*The average AOV reported by Klarna’s retail partners.