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Pay now with Klarna
Pay now

Let customers shop and pay instantly.

Increase sales by offering a secure way to pay all at once.

Give your customers the choice to pay immediately and in full, with the same seamless payment experience they love from Klarna. Make buying effortless and see how your business will grow as a result.


US Shoppers


Gen Z and Millennials


higher purchase frequency

Boost your business with a high frequency payment option.

Boost your conversion rate by allowing your customers to pay in full instantly and let them earn rewards for every dollar spent. Plus, all their purchases are covered by Klarna’s Buyer protection.

Increase conversion rate:

Pay now puts your customers in full control over their expenses by letting them complete secure payments in seconds with no redirects or unnecessary hurdles.

Risk-free fulfillment:

Fulfilling the order is risk-free for you. Klarna assumes the full credit and fraud risk, while you're paid upfront.

Increase customer loyalty:

Pay now keeps customers' information safe and secure wherever they shop. They can have the full coverage of Klarna in their pocket with every purchase (Buyer protection, rewards, etc).

How does it work?


1. At checkout

At checkout, the customer selects Klarna as their payment method.


2. Select Pay now

Customers can choose to pay how they like, whether for the full cost at once, or over time.


3. Review payment details

Customers review the purchase, and can save their preferred payment option as a favorite for faster checkout the next time they shop with Klarna.

Effortless integration.

Getting up and running with Klarna is easy. We quickly integrate with your existing technology platforms and payment partners. Need a custom solution? We can do that, too.

Details about Pay now.

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


Market availability
US, UK, Denmark, Finland, Germany, Norway & Sweden; coming soon to other markets.
Accepted cards
Debit and credit (Mastercard and Visa)
Stored cards
Users can choose from multiple stored cards and faster checkout with prefilled details
High acceptance
No credit assessment required; rejections only for ineligible cards, insufficient funds, or suspected fraud
Order management
Users can check their order details, status and report problems and returns in the Klarna app
Show/hide function
Payment period starts
When an order is shipped
Number of payments
1 payment
Zero-fraud liability
Klarna seller protection
Klarna seller protection


Direct integration via
Javascript and RestAPI
Auto updates
Dev resources
Find developers portal here.


Max payment delay
3 business days after order is shipped
Standard term of agreement
36 months
E-commerce platforms
Find pre-integrated platforms here.

What else?

We have more solutions and payment methods that might interest you. Read more about how and where you can sell with Klarna.

4 Installments

4 interest-free payments.

Give shoppers the freedom to spread the cost interest-free over time. You get paid immediately and shoppers get a flexible plan.

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.


Offer up to 24 months to pay.

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

Express button

A quick-pay button that adds convenience to the shopping journey.

Boost conversion and give your customers the speedy VIP treatment they deserve.

Monthly financing through Klarna is issued by WebBank, member FDIC. Copyright © 2005-2023 Klarna Inc. NMLS #1353190, 629 N. High Street, Third Floor, Columbus, OH 43215. Other CA resident loans made or arranged pursuant to a California Financing Law license.