Hero business

Increase your sales with Klarna.

Give your customers the freedom to split purchases into 4 interest-free payments or monthly financing.

increase in average order value

increase in conversion

Klarna is trusted by the world’s leading brands.

20 million US shoppers.

And we're just getting started. Join the biggest retailers and best shoppers.

Flexible payments

When customers choose Pay in 4, they make their 1st payment upfront. The remaining 3 payments are collected automatically every 2 weeks. With Klarna Financing, shoppers can opt to pay over time in monthly payments from 6-36 months. You get paid upfront and in full.

Faster checkout

The consumer experience is fast and frictionless when buying with Klarna. Shoppers go from browsing to bought in 25 seconds. That’s up to 3x faster than competitors.

Effortless shopping

With automatic payments and no added cost, checkout is just as easy as any regular card purchase. Customer details are pre-filled, and preferred shipping and payment options are pre-selected. An elevated experience means happy, returning customers.

And we help your business grow.

41%

increase in average order value from shoppers who choose 4 interest-free payments.

60%

increase in average order value from shoppers who choose Klarna Financing.

20%

of customers who choose Klarna shop more often than others.

44%

of customers would have abandoned their purchase if Pay in 4 weren’t available.

Get started right here, right now. (It’s free!)

Simple sign up, smoooth* integration, tools to show your customers new ways to pay, bigger basket sizes for you—the list goes on. *Yes, with three Os.

create a klarna business account

Simple sign up

Get started fast. Full integration takes just a few days.

How will you integrate?

Smoooth integration

Swift solutions and guides to easily integrate Klarna into your existing ecommerce platform.

Marketing made easy

Marketing made easy

Ready-made marketing assets like On-site Messaging let your customers know about Klarna’s payment options, helping drive sales.

What you’ll get.

New customers.

We refer millions of shoppers to our retailers via integrated marketing campaigns and our shopping app.

Elevated customer experience.

Your customers can easily see their payment options, costs, and schedule. No catch, just flexibility.

Seller protection.

We assume all credit and fraud risk when our payment methods are used, so you can focus on your business.

Get paid right away.

Your business gets paid up front and in full. We take care of the rest. Customers get what they love now, without extra hassle for you.

Easy business insights.

See a clear overview of purchases made with Klarna so it’s easy to manage orders, refunds, and disputes.

Help when you need it.

We’re here to help if anything unexpected happens to you or your customers during the shopping journey.

Effortless integration. Plug-in ready.

Getting up and running with Klarna is hassle-free. We’re staffed and skilled to quickly integrate with your commerce and payment partners. With quick API integrations from our partner platforms, you’ll be up and running with Klarna in no time.

See all partners

FAQs.

Pricing.

4 Installments

Increase sales by offering interest-free installments.

Starting prices listed below

0.30 USD

Transaction fee

4.99%

Variable fee up to

Financing

Let customers split up big-ticket purchases.

Starting prices listed below

0.30 USD

Transaction fee

3.99%

Variable fee up to

Ready to increase your average order value and drive conversions?