Klarna
Pay later or in instalments, with Klarna paying the merchant upfront and taking on the credit risk.
How it works for your customer
- 1
The shopper selects Klarna and chooses pay later or instalments.
- 2
Klarna runs a quick eligibility check.
- 3
The merchant is paid and the shopper repays Klarna on schedule.
At a glance
- Type
- BNPL
- Countries
- DE, SE, GB, US, AU, NL, ES, IT, AT, NO
- Currencies
- EUR, SEK, GBP, USD, AUD
- Recurring payments
- Not supported
- Refunds
- Supported
- Disputes
- Handled by the provider
- Payouts to this method
- Not supported
- Typical settlement
- T+2
Availability is illustrative placeholder data.
Similar methods
- Afterpay / ClearpayBNPLInterest-free instalments spread over a few weeks, popular for fashion and beauty baskets.
- AffirmBNPLMonthly instalment loans for larger purchases, with the total cost shown before the shopper commits.
- TabbyBNPLSplit payments without interest, widely used by shoppers across the Gulf.
- Visa, Mastercard, AmexCardThe international card networks, accepted in almost every market and the default for cross-border checkout.
- Apple PayWalletA card stored on an Apple device, confirmed with a glance or a fingerprint instead of typed details.
- Google PayWalletCards saved to a Google account, offered in one tap on Android devices and in Chrome.