Payment methods

Accept Klarna – Europe's most popular financing choice

Flexible payment options for your customers. Full payment upfront for you. Join the 200,000 merchants who sell with Klarna.

Key benefits

Increase conversion with more ways to pay

Offer flexible financing – without the risk. With installments, invoices, and buy-now-pay-later options – Klarna makes payments quick, easy and secure. And you always get paid in full and upfront.

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Boost sales

Merchants who use Klarna see a 20% increase in their conversion rates.

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Improve purchasing power

58% higher average order value when customers choose to pay with Klarna.

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Instant payment guarantee

You receive the money upfront. Klarna takes care of the rest.

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Minimize risk

Klarna assumes the full credit and fraud risk for all purchases.

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Add Klarna to your payments flow

Let's get you up and running with Klarna so you can get more value from every transaction. Reach out to our local experts today.

Payment method features

Accept Klarna with Checkout.com

Expand your reach and drive better conversion with the payments methods your customers love. Wherever they are.

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Payment type

Invoice / Installment

Merchant countries *

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Arab Emirates, Saudi Arabia, Kuwait, Oman, Bahrain, Qatar, Egypt, Jordan, Pakistan, Australia, China, Hong Kong, Malaysia, New Zealand, Singapore, United Kingdom, United States, Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Paraguay, Peru, Uruguay

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Business countries for Klarna

  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czechia
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • United Arab Emirates
  • Saudi Arabia
  • Kuwait
  • Oman
  • Bahrain
  • Qatar
  • Egypt
  • Jordan
  • Pakistan
  • Australia
  • China
  • Hong Kong
  • Malaysia
  • New Zealand
  • Singapore
  • United Kingdom
  • United States
  • Argentina
  • Brazil
  • Chile
  • Colombia
  • Ecuador
  • Mexico
  • Paraguay
  • Peru
  • Uruguay

Customer countries

Austria, Denmark, Sweden, Norway, Finland, Germany, Netherlands, United Kingdom

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Consumer countries for Klarna

  • Austria
  • Denmark
  • Sweden
  • Norway
  • Finland
  • Germany
  • Netherlands
  • United Kingdom

Min transaction amount

0.01 DKK, EUR, GBP, NOK, SEK

Max transaction amount

Based on customer's credit limit

Processing currencies

EUR, DKK, GBP, NOK, SEK

Settlement currencies **

EUR, DKK, GBP, NOK, SEK

Refunds

yes

Partial refunds

yes

Recurring payments

no

Disputes

no

Implementation channels

Desktop and mobile

Processing model

Gateway only. Direct contract with local provider required.

* Subject to service agreements, legal entity location and presence, and company compliance approval. ** Settlement currencies vary based on merchant agreement

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