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A complete checkout solution.
Klarna checkout on mobile screen


A complete checkout solution.

A checkout built for conversion.

Klarna Checkout comes with everything you need to create the smoothest shopping experience for your customers, including seamless customer identification and accepting all major payment methods. It’s built to improve your business performance — converting browsers into happy customers.

How it works.

By offering our complete online checkout solution, you make it easy for your customers to shop how they prefer, often with a single-click. With a simpler buying process, you’ll get more loyal customers and less abandoned baskets.


On-site messaging

Shoppers learn that they can buy now and pay later when shopping. The dynamic message adapts to the user’s history and preference.


Billing address

Every returning Klarna user is treated as a returning customer for you and has their billing and shipping address pre-filled.


Payment methods

All major payment methods are included. Your customers can use their card, bank transfer or any of the options to pay now or pay later with Klarna

Post-purchase experience

Post-purchase experience

Whether you’re a retailer or a shopper, we’ve got your back. We take full fraud and credit risk for sellers, while giving full protection to buyers. We also put control in the hands of customers via the Klarna app – gathering all orders in a single place. With the app, your customers can manage their purchases, chat with customer service 24/7 and even report returns.

With pre-filled information for returning customers and a mobile-first experience, users can shop on-the-go or from the comfort of their sofa.


of shoppers who use Klarna say it’s a better experience than other online checkouts.


of purchases are seamless, with no customer complaints.

Boost your business.

Klarna Checkout is built to automatically give you the best checkout solution while focusing on what matters most to your business; your products and your customers. By placing value in a checkout solution that is always kept up to date – with the customer experience in mind - more consumers will not only complete their purchases, but become your loyal customers.


With pre-filled info for returning customers, and single-tap payments, shopping has never been easier. The simple and constantly optimized checkout flow will make fewer people drop off.

Financial flexibility

With multiple payment options to spread the cost of their purchase(s), and our full buyer’s protection, shoppers get more security and financial flexibility.

Customer loyalty

Exceeding the customer's expectations will increase both satisfaction and the number of happy, returning customers. Our 24/7 customer support is always ready to help.

Reduce admin costs

With a single contract, one contact point, one settlement note, and one payout, you will spend less time on admin, and more time selling the right product to the right customer.

Minimize the risk

Klarna takes the full credit and fraud risk on all purchases for you, for all payment methods. Even when a customer makes a return, we cover the chargeback cost.

Drives traffic

Partnering with Klarna will increase your website traffic. Our strong brand and influencer collaborations speak to shoppers, who are actively looking for retailers that offer our payment methods.

Own the checkout

Klarna Checkout is built to match your brand and you can adjust the design so that it fits seamlessly into your webshop. Your customer will stay on your page throughout the entire purchase experience.

Fitness guru quote

The simplicity of Klarna Checkout proved to be exactly what we needed for fitnessguru. With excellent results in the Nordics, KCO was an obvious choice when we launched in the UK. The result wasn’t just higher conversion – especially on mobile – but also much less admin. That’s freed up time for what we love most: talking to our customers and focusing on selling great product.

Christian Lindberg, Owner

Always with Klarna.

Regardless of what solution or service you sign up for, joining forces with Klarna will make your everyday life easier.

Automatic updates

You’ll always have the latest and greatest version of all Klarna products.

New customers

Klarna refers millions of shoppers to online retailers via in-app promotions.

Dedicated support

24/7 business support with our award-winning service team.

Seller’s protection

We assume all credit and fraud risk, so you can focus on running a successful business.

Buyer’s Protection

We’ve got your customer’s back. If their order doesn’t arrive, they don’t pay. We take the cost.

Global enterprise solutions

Adaptable products to fit local preferences and legislation.

Upfront payment

You always get paid right away and in full with any of Klarna’s payment options.


Klarna checkout is available through many e-commerce platforms and can be integrated directly to your site if you so wish. The service is integrated in such a way that Klarna can make automatic updates to it. In other words, once you’ve integrated the solution, your checkout will continue to be updated to meet any needs your customers might have in the future.

Klarna partner logos


Klarna Checkout is pre-integrated to most e-commerce platforms. The easy setup is straightforward and it won’t be long until you can start accepting payments.

Developers portal


Here you will find the integration guides, API documentation for those wanting to integrate directly with our systems, and more to help you get started.

Details about Klarna Checkout.

Let’s get down to the nitty-gritty. All you need to know about Klarna Checkout is right here.


Market availability


Cutomer identification


Payment methods included

Instalments, Pay in 30 days, Financing ¹

Klarna buyers protection


Klarna sellers protection


¹ Further eligibility checks will apply.


Direct integration via

Javascript & RestAPI

Auto updates


Auto local


Developer’s 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 services that might interest you.


Offer interest-free instalments.

Allow your customers a modern alternative to point of sale credit by letting them pay in 3 equal interest-free instalments.

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, interest free.

Express button

A quick-pay button that closes the checkout gap.

Give new customers the speedy VIP treatment they deserve.

Ready, steady, smoooth.

Copyright © 2005-2024 Klarna. Klarna Financial Services UK Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna Financial Services UK Ltd offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.