Merchant Portal

Slice it.

Give your customers the credit they deserve.

  • No redirects. Real-time credit assessment.
  • Locally optimized. Globally compliant.
  • We take all the risk. You always get paid.


Get more customers to the checkout.

Use on-site marketing to advertise monthly payments, rather than the full price, to get more customers to the checkout with more purchasing power.

Smart and intuitive presentation lets the customer know how much they will pay each month without any hidden costs or unwelcome surprises.


A quick and easy checkout.

There’s no need to fill in lengthy personal details or card numbers to make a purchase. For first-time users, a unique credit application process requires minimal pieces of information and takes just seconds to complete.

Application is one-time-only and from then on customers can benefit from an open line of credit and one-click buying across our entire global merchant network.

Manage payments

Part payment with upfront payout

As soon as the purchase is completed, the customer can immediately see all of the details and their payment options by logging into the Klarna app.

We handle the financing process for your customers and you get paid upfront and in full.


Paying is as smoooth as buying

When it’s time to make a payment, the customer is offered control and flexibility with options that include reminders, auto-pay, and the ability to choose from various settlement sources.

Klarna is responsible for collecting payments, so even if a customer defaults, you still get paid: We take all the risk.

The different Slice it options.

Planned Payments.

Customers choose a planned payment option at a promotional APR for the selected number of months. Terms start at 6 months and availability varies by merchant.

Flexible Month-to-Month.

No fixed term commitment: Customers may pay their balance in full or make the minimum monthly payment (interest charges may apply).

No Interest If Paid In Full.

Customers pay for their purchase at no interest if the order amount is paid in full within the offer period.

Slice it. Open line credit, in-line.

Consumer financing is about control and flexibility, since every customer is a real person with individual needs.

We offer different retail financing options that can easily be integrated into your existing customer journey. No re-directs and no need to alter the checkout flow.


Customers are given the experience that is best for them with a dynamic display in the checkout. Customers will only see offers they are eligible for. This requires no pre-assessment action to be taken by the customer, it is done automatically in the background.


Smart systems instantly assess different types of information, removing the need to ask the same lengthy and personal questions as with traditional offline financing. The process of applying for credit takes place real-time and doesn’t delay or interrupt the purchase for the customer.

Pre-fill from customer recognition enables one-click buying across the entire Klarna merchant network.


Your customers get clear and understandable financing plans, while you get paid upfront in full – and we take all the credit and fraud risk.

The  technology-driven underwriting system behind Slice it analyzes every transaction risk in less than a second with industry-leading accuracy. Assessing people, not demographics, with a huge number of data points enables us to responsibly accept more purchases with the lowest fees around.

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.