Klarna Payments lets merchants offer Klarna at checkout for web, in-app and in-person purchases. Customers can choose to pay now, pay later, or pay in parts; available options include Pay in 30 days, three or four instalments, and monthly financing over 6–24 months. In the US, Pay in 4 divides a purchase into four interest-free payments collected every two weeks, with no fees when paid on time. Klarna also offers a shopper app for flexible payments, payment management, cashback, loyalty cards, in-store shopping, price comparison and delivery tracking. The app is free to download and use. Merchants can connect via direct APIs or plugins including Shopify, Adobe Commerce, Salesforce Commerce and WooCommerce; Klarna supports recurring and one-time payments. Merchant tools include on-site messaging, express checkout and transaction-detail APIs. Klarna describes security features including encryption, two-factor authentication and fraud monitoring. Eligibility and availability vary: US Pay in 4 has stated residency and age requirements and geographic exclusions, and each purchase receives a new automated approval decision. Paid memberships range from 4.99 USD per month for Core to 44.99 USD per month for Max.
Who it is for
Klarna serves consumers seeking payment choices for shopping and retailers looking for a checkout payment method. Merchants using listed platforms such as Shopify, Adobe Commerce, Salesforce Commerce or WooCommerce may consider its integrations.
What is good
- Supports web, in-app and in-person checkout
- Offers pay-now, pay-later and instalment options
- Integrates with Shopify, Adobe Commerce and WooCommerce
- Free app includes payment management and delivery tracking
What to know first
- US Pay in 4 is unavailable in some locations
- Pay in 4 requires eligibility and approval
- Late fees may be up to $7.00
- WooCommerce supports only full capture
Verdict
Klarna combines merchant checkout options with consumer payment choices and a free shopper app. Check regional availability, eligibility and applicable membership terms before relying on a particular payment option.
Get started with Klarna
- Visit the Klarna website.
- Download the Klarna app from the App Store or Google Play to use shopper features.
- For merchant checkout, connect through a direct API or a supported platform plugin.
- Review Klarna’s integrations and guides for your payment provider or commerce platform.
- Contact Klarna for merchant pricing.
Limits to know first
US Pay in 4 is limited by residency and location eligibility, and approval is assessed separately for each purchase. Late fees may be up to $7.00, with aggregate fees capped at 25% of the order value at purchase. WooCommerce supports full capture, though partial and full refunds are supported.
Questions about Klarna
How much does Klarna cost?
Merchant pricing is on request. Klarna Card memberships are Core at 4.99 USD per month, Plus at 9.99 USD per month, Premium at 19.99 USD per month, and Max at 44.99 USD per month.
Is there a free plan or app?
Klarna says its app is free to download and use. A free plan is also listed.
Which platforms are supported?
Klarna lists Android, iOS, web, and API. Its app is available on the App Store and Google Play.
What payment options can shoppers use?
Options include paying now, paying later up to 30 days, paying in three or four installments, and financing. The US page also describes monthly financing with 6–24 month options.
Can merchants connect Klarna to their store?
Merchant platforms include Shopify, Adobe Commerce, Salesforce Commerce, and WooCommerce. Klarna also lists integrations including Stripe, Adyen, Kustom, Worldpay, Mollie, and PrestaShop.
Who can use US Pay in 4?
Eligible users must be US residents or residents of eligible territories, meet the age requirement, have a valid card or bank account, and be able to receive text verification codes. The service excludes Hawaii, US territories other than Puerto Rico, and APO/FPO/DPO addresses.
Klarna plans and pricing
All plansCompared on buy now, pay later platforms
- Checkout channels
- omnichannel
- Repayment terms
- Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where available
- Merchant platforms
- Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce
- Merchant settlement
- scheduled
- Consumer regions
- Australia, Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Spain, Sweden, Switzerland, United Kingdom, United States
- Merchant dashboard
- Yes
