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4 Installments
4 installments

Pay in 4 Installments

Installment payments that delight and attract customers.

Increase sales by letting your customers split their purchases into 4 interest-free installments.

Some of America's biggest brands are using Klarna's 4 installments to drive sales.

Asos logo
Sephora logo
H&M logo
Rue21 logo
The North Face logo
Adidas logo

Give your customers the financial freedom they deserve by letting them choose how and when to pay. Pay in 4 installments makes it easier than ever to shop online or in-store. Your sales increase and so do your happy returning customers.


increase in average order value with Klarna's interest-free installments.


of users would have abandoned their purchase if Klarna interest-free installments weren't available.

Give shoppers the option to pay in installments.

On each product page, shoppers learn that they can spread the cost over 4 convenient installments at no additional cost.

At checkout

1. At checkout

At checkout, the customer selects Klarna as their payment method. They will then see the option to pay using 4 installments along with the cost and payment schedule.


2. On shipment

Once the order is processed, Klarna pays you (the retailer) upfront and in full. We'll take care of collecting the installments from the shopper.

Post purchase

3. Post-purchase

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

How in-store payments and installments work.

Elevate the shopping experience by giving shoppers more payment flexibility when they visit your store in-person. Customers can shop in your store and pay in 4 installments. Using Klarna is easier than ever with our non-integrated digital card offering. Here is how your customers will check out with Klarna.

create card

1. Create card

Customers will create a digital card in the Klarna app, and add it to their Apple or Google wallet.

Tap to pay

2. Tap to pay

The payment is made with a simple phone tap. It's a secure and contactless payment.

post purchase

3. Post-purchase

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

Klarna x Good American

Klarna x Good American.

We've already started boosting e-commerce for Good American, the inclusive fashion brand co-founded by Khloé Kardashian.

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


Market availability

US, AU, CA, NZ (pay in 4) DK, FR, IE, IT, NL, PT, ES, UK (pay in 3)

Show/hide function


Payment period starts

When order is shipped

Number of payments

4 payments

Time between payments

2 weeks

Consumer APR

0% — no interest

Payments made

Automatically charged to specified card

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

36 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.


Offer up to 24 months to pay.

Give your customers the flexible option to buy now and spread the cost with monthly payments.

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.

When you offer flexibility to your customers, you get shoppers who shop more and shop more often. Are you ready to get started?


Paying in installments gives shoppers the freedom to spread the cost interest-free over time. Once the order is captured, the merchant is paid upfront and in full. Shoppers pay the first 25% at the time of checkout, while the remaining 3 payments are automatically collected every 2 weeks.

Most orders from $35 to $1000 can be split into 4 interest-free payments with our Pay-in-4 product at checkout.

First, you need to capture an order. Once you’ve captured the order, we’ll pay out the amount to your bank account registered with us. Fees, returns, and other charges will be deducted from the payout amount.

Good to know: the payout date will depend on your payout schedule and payout delay stated in your contract (T&C). You’ll find this information on your payout setup in the Settlements section in the Merchant portal.

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.