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.
Improve purchasing power
58% higher average order value when customers choose to pay with Klarna.
Instant payment guarantee
You receive the money upfront. Klarna takes care of the rest.
Minimize risk
Klarna assumes the full credit and fraud risk for all purchases.
Payment methods features
Expand your reach and drive better conversion with the payments methods your customers love. Wherever they are.
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
View all
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
Consumer countries
Austria, Denmark, Sweden, Norway, Finland, Germany, Netherlands, United Kingdom
View all
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 currency
*
EUR, DKK, GBP, NOK, SEK
Settlement currency
EUR, DKK, GBP, NOK, SEK
Refunds
Yes
No
Partial refunds
Yes
No
Recurring transactions
Yes
No
Disputes
Yes
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
