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 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 installments weren't available.

How online 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.

On shipment

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.

Post purchase

3. Post-purchase

Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders.

How in-store payments work.

Elevate the shopping experience by giving shoppers more payment flexibility in your physical store. Easier than ever with our non-integrated Digital Card offering. Here is how your customer will check out with Klarna.

1. 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 in the Klarna app.

Klarna x Good American.

We’ve started boosting e-commerce for Good American, the inclusive fashion brand cofounded 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.

View all of our partners

Details about 4 Installments.

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


Market availability
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


Max payment delay
3 business days after order is shipped
Standard term of agreement
36 months
See legal terms

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 36 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.

Get more customers who shop more, more often. Are you ready?