Pay now
Pay the full order amount at checkout using a supported card, bank, or local method.
Modern checkout explained
Klarna turns payment choice into a smoother shopping experience.
Klarna is a Swedish payment platform that gives eligible shoppers more control at checkout. Depending on the store and region, customers can pay today, delay payment, or split a purchase into scheduled installments.
Checkout choice
Payment visibility
Retail integrations
111M
active consumers
790K
merchant partners
3M
transactions each day
26
countries supported
Overview
Built for flexible commerce
Klarna sits inside the checkout journey as an additional payment option. When a shopper chooses it, Klarna presents the available plan, handles the account step, and confirms the payment path before the order is completed.
The result is a cleaner decision point: customers understand how they will pay, while stores can offer flexible payment experiences through an established provider.
Payment options
Different ways to pay, shown before confirmation
Klarna does not show every method everywhere. Options depend on the market, merchant, purchase value, and eligibility check, but the categories are designed to be easy to scan.
Pay later
Place the order now and settle the payment after a short period where available.
Pay in 4
Break the total into four smaller payments, typically collected on a set schedule.
Pay over time
Use a longer financing plan for larger orders when the option is offered and approved.
Customer journey
A familiar flow with more payment control
The shopper still follows a familiar path: choose items, go to checkout, select a payment method, review the details, and confirm the order. Klarna adds flexibility inside that moment without making the store build a separate payment journey.
After purchase, payment reminders, schedules, and account management are handled through Klarna, so the customer can keep track of what is coming next.
For merchants
How Klarna supports online stores
Payment variety
Stores can present more ways to pay while keeping the checkout layout recognizable.
Flexible integration
Klarna supports direct APIs, ecommerce plugins, web and app checkout, plus selected in-store use cases.
Operational support
The platform manages key payment steps, customer flows, reminders, and transaction monitoring.
About this page
This is an independent educational page about Klarna and its payment model. It is not an official Klarna website or financial advice. Real payment terms are always shown by Klarna or the merchant during checkout.