Find solutions

Pay now with Klarna
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.

SAP logo
Adyen logo
Stripe logo
Radial logo
Cybersource logo
Shopify logo

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


Max payment delay

3 business days after order is shipped

Standard term of agreement

36 months

E-commerce platforms

What else?

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

Pay in 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 and One-time card bi-weekly payments with a service fee to shop anywhere in the Klarna App issued by WebBank. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. Copyright © 2005-2024 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards, Financing, Klarna Card): THIS IS A LOAN SOLICITATION ONLY. KLARNA INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.