4 Installments
Payment installments that delight customers.
Increase sales by letting your customers split their payment into 4 interest-free installments.
Some of America's biggest brands are using Klarna's 4 Installments to drive sales.
Give your customers the financial freedom they deserve by letting them choose how and when to pay. We make it easier than ever to shop at your store — your sales increase and so do your happy returning customers.
45%
increase in average order value with Klarna’s interest-free installments.
44%
of users would have abandoned their purchase if Klarna installments weren't available.
How installment payments work.
On each product page, shoppers learn that they can buy now and spread the cost over 4 convenient installments at no additional cost.
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 payments from the shopper.
3. Post-purchase
Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders.
Details about 4 Installments.
Let’s get down to the nitty-gritty. All you need to know is right here.
Service
Market availability
US, UK
Show/hide function
Included
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
Included
Klarna seller protection
Included
Integration
E-commerce platforms
Direct integration via
Javascript and RestAPI
Auto updates
Included
Dev resources
Partnership
Max payment delay
3 business days after order is shipped
Standard term of agreement
36 months
Cost/ Pricing model
Up to 0.30 USD + 5.99% per transaction
See legal terms