Merchant Portal

Pay later.


  • Interest-free invoice payments.
  • Locally optimized. Globally compliant.
  • We take all the risk. You always get paid.


Get more customers
to the checkout.

When customers arrive at your store, make them aware of the smoooth shopping and payment experience, even before they start browsing products. Just the way they like it; simple, flexible and risk-free.


A quick and easy checkout process.

Pay later makes buying quicker and easier for your customers: no need to provide lengthy personal details or card numbers. And as a non-regulated payment method there’s no need for credit checks.

Customer recognition and pre-fill removes friction, minimizes effort, and enables one-click shopping across our entire global merchant network.


Pay later with upfront payout.

As soon as the purchase is completed, the customer receives a confirmation and can immediately see all the details by logging into their Klarna account. While we handle the settlement process for your customers, you get guaranteed payment, upfront and in full.


Paying is as smoooth as buying.

When it’s time to make a payment, customers can choose between various settlement options such as paying with one click or schedule a payment for a date that best works for them.

Flexible payments.

Every customer and purchase is different so Pay later offers flexibility to meet these different needs and can easily be integrated into your existing customer journeys. Online purchases are tailored to meet the needs of the consumer in every situation with a smart and intuitive presentation. Pay later requires payment within 14 or 30 days of purchase, and is available across multiple regions.

Risk-free shopping.

Pay later gives customers the ability to try, touch, feel and only pay for goods they recieve and decide to keep. Our Buyer Protection guarantees they won’t have to pay for things they buy online that are defective, incomplete or just not what they ordered.

Customers are given the ability to Pay later while you get paid upfront in full and even if a customer should default, you still get paid: We take all the risk.


Pay later is a friction-free payment method where first-time customers can complete the purchase by entering only a few top-of-mind personal details . The customer can then decide after making the purchase when and how they want to pay – with no interest and payment due after a predefined number of days.

Pre-fill from customer recognition eliminates friction and enables one click buying across the entire Klarna merchant network, even if it’s their first time shopping from a particular merchant.


The customer’s Klarna account provides control and flexibility to pay when and how they want, in a way that suits their personal needs.

Pay later purchases can be paid with a single click, scheduled for a specific date, and “snoozed” giving customers more time to make their payment.

No matter what product you choose, you will always get:

The merchant portal

You will get access to a backend in which you can manage everything Klarna.

Klarna as a marketing tool

You will get access to marketing material that you can use in your marketing initiatives. E.g. the “No risk” aspects is usually popular to promote.

Global products, local faces

All products are built to be adapted to local preferences and legislations.

Single integration, integrated once

After having integrated Klarna, the products will be automatically updated without you lifting a finger.

Local support for you and your customers

Thousands of employees having conversations with your customers when they need that human guidance.

No risk, for you or your customers

You will always get paid and the customer is covered by Klarna's Buyers Protection.