Pay now
Pay the full amount immediately using supported cards, bank transfers, or local payment methods.
Flexible payments and shopping technology
Flexible payments for modern online shopping.
Klarna is a Swedish financial technology company known for buy now, pay later services, smooth checkout experiences, and payment options that help shoppers choose how and when they pay.
Pay now
Pay later
Pay in installments
111M
active consumers
790K
merchant partners
3M
daily transactions
26
countries supported
Overview
What is Klarna?
Klarna is a global payments and shopping platform that appears at checkout as an alternative to paying with a traditional card immediately. Depending on the market and merchant, shoppers can pay now, pay later, split a purchase into installments, or use longer-term financing for larger orders.
The main idea is control. Klarna gives customers a clear payment choice before they confirm an order, while merchants can offer flexible payment options without building their own consumer credit or installment system.
Payment options
Common ways shoppers can pay with Klarna
Availability changes by country, store, purchase amount, and eligibility checks, but Klarna usually groups payment methods into a few simple categories.
Pay later
Buy now and pay after a short period, such as up to 30 days where this option is available.
Pay in 4
Split the purchase into four smaller payments, often collected automatically every two weeks.
Pay over time
Use longer-term financing for larger purchases when the shopper is approved.
Shopping experience
A checkout flow built around choice
When Klarna is available, the shopper selects it during checkout and reviews the payment plan before completing the purchase. Klarna handles the account flow, eligibility checks, reminders, and payment management inside its own service.
This makes the experience feel familiar for customers: choose a product, choose a payment method, confirm the order, and manage upcoming payments from one place.
For merchants
Why online stores add Klarna
More payment flexibility
Stores can give customers more ways to pay without creating a custom financing product.
Checkout integrations
Klarna supports direct API integrations, ecommerce platform plugins, web payments, in-app payments, and selected in-store scenarios.
Trust and security
The platform includes secure payment handling, consumer account flows, and fraud monitoring as part of the payment experience.
Important note
This website is an independent informational page about Klarna. It is not an official Klarna website, does not provide financial advice, and does not replace the terms shown by Klarna or a merchant during checkout.