Installments

Offer 4 interest-free installments.

Klarna’s interest-free installments give shoppers the freedom to choose how and when to pay. They get to spread the cost over time while you get paid in full, straight away. As an alternative to credit, installments increase sales and customer loyalty when added to your online checkout.

68%

increase in average order value from shoppers paying with installments.

44%

of users would have abandoned their purchase if 4 installments wasn’t available.

How it works.

Our installments offer the benefit of increased purchasing power with the flexibility that fits your customers lifestyle. Shoppers pay 25% when their order is processed, and the remaining 3 payments are collected automatically every 2 weeks.

Browsing

Shoppers learn that they can buy now and spread the cost over 4 convenient installments at no additional cost to the order.

Checkout

After selecting 4 installments, the payment details are displayed. Both credit and debit cards can be used for payment. No signup or account is required.

On shipment

Once the order has been processed, we collect the customer’s first payment and pay you in full.

Post-purchase experience.

Whether you’re a retailer or a shopper, we’ve got your back. We take full fraud and credit risk for sellers, while giving complete protection to buyers. We also put control in the hands of customers with the Klarna app – gathering all orders in a single place. Through the app, customers can manage their purchases, choose payment methods, chat with customer service 24/7, and even report returns. Before their next payment is due, we’ll send a friendly reminder for a hassle-free experience.

Our super simple checkout and effortless post-purchase experience is designed for customer satisfaction.

90%

of shoppers were satisfied with their 4 installments experience.

85%

of users say Klarna is a better experience than other online checkouts.

Boost your business.

Giving shoppers the ability to split their payments increases flexibility and spending power. There’s no need to put shopping on hold until payday. Now, they can buy what they want without the fear of debt. Good news for shoppers – great news for your business.

Conversion

From browsing to purchased in 25 seconds. That’s up to 3x faster than competitors. One-click shopping together with an easy and seamless checkout will make more shoppers complete their purchase.

Average order value

With a payment option that lets shoppers spread the cost of their order, together with our full buyer’s protection, they get more security and spending power. Making large purchases becomes even easier.

Customer loyalty

Exceeding the customer's expectations will increase satisfaction and the number of happy, returning customers. And our 24/7 customer support is always ready to help.

Drive traffic

Partnering with Klarna will increase your website traffic. Our strong brand and influencer collaborations speak to shoppers, who are actively looking for retailers that offer our payment methods.

The uplift we’ve seen from Klarna is incredible. They allow shoppers to feel in control of their purchasing, without paying the full price upfront. Smashing this barrier has undoubtedly helped to boost our buyers’ confidence, leading to greater sales.

Kyle Rancourt, Rancourt & Co

Always with Klarna.

Regardless of what solution or payment method you sign up for, joining forces with Klarna will make running your business easier.

Automatic updates

You’ll always have the latest and greatest version of all Klarna products.

New customers

Klarna refers millions of shoppers to online retailers via our channels.

Business Insights

Make smart, data-driven decisions based on real customer insight.

Dedicated support

24/7 business support with our award-winning service team.

Go to business support

Seller’s Protection

We assume all credit and fraud risk, so you can focus on running a successful business.

Buyer’s Protection

We’ve got your customer’s back. If their order doesn’t arrive, they don’t pay. We take the cost.

Read the full policy

Globally compliant

All products are adapted to fit local preferences and legislation.

Upfront payment

You always get paid right away and in full with any of Klarna’s payment options.

Integration.

How to integrate depends on if you’re looking to upgrade your full checkout or simply add the payment method to your current checkout. You can choose to integrate Klarna Checkout, which includes Installments as a payment method. You can also integrate Installments as a stand-alone payment method into your current checkout solution via your preferred platform, or using our simple APIs.

Platforms

Klarna’s installments option is available on almost every e-commerce platform. The easy setup is straightforward and it won’t be long until you can start accepting payments.

Developers

Here you will find the integration guides, API documentation for those wanting to integrate directly with our systems, and more to help you get started.

Pricing.

Up to 5.99% + $0.30 per transaction - all card processing fees included.

Ready to get more customers, who buy more and do it more often?

Annual volume:

Less than $50K

Get your business off the ground. Start selling with Klarna today to offer a smoooth checkout experience. Just enter through our easy on-boarding process.

Annual volume:

More than $50K

Is your business already booming? Good for you. Now let us help you take it to the next level. Get started with Klarna today.

Details.

Let’s get down to the nitty-gritty. All you need to know about Klarna Installments 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
Two weeks
Consumer APR
0%. No interest
Consumer fees
No fees
Payments made
Automatically charged from specified card
Klarna buyers protection
Included
Klarna sellers protection
Included

Integration

Direct integration via
Javascript and RestAPI
Auto updates
Included

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

What else?

We have more solutions and payment methods that might interest you.

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.

Financing

Offer up to 36 months to pay.

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

Ready, steady, smoooth.