Offer flexible payment options that drive sales

With Klarna, your customers can pay in full, later, or over time - making purchases easier and more accessible. Klarna’s seamless app experience reduces friction, encourages repeat shopping, and helps increase conversion and order value.

Klarna – The smarter way to shop and pay

Klarna is an AI -powered global payment network and shopping assistant, used by millions of shoppers to help them pay smarter. Klarna connects merchants with high-intent shoppers, offering flexible payment options - Pay in full, Installments, and Financing. These options empower customers with more choice and lead to stronger conversion and increased order value .

With seamless payments, advanced marketing tools, and a checkout experience designed to drive engagement, Klarna enables merchants to grow and build lasting customer loyalty. Klarna is redefining how people shop and pay.

Learn more at Klarna.com.

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Key benefits for merchants

Drive more sales: Klarna boosts conversion by offering flexible, trusted payment options that align with customer expectations. Merchants see increased conversion rates thanks to a smoother, more convenient checkout experience.
Boost repeat business: A seamless and secure shopping experience builds loyalty. Klarna merchants report a strong increase in purchase frequency, driven by trust and convenience.
Reach new shoppers: Tap into Klarna’s global network of millions of high-intent shoppers. Klarna’s in-app placements, campaigns, and marketing tools help increase merchants visibility and discovery across key markets.

Key benefits for shoppers

Streamlined checkout experience: A fast, intuitive checkout across both mobile and desktop reduces friction and cart abandonment. Pre-filled details and fewer steps mean more completed purchases.
Flexible payment options: Klarna gives shoppers the freedom to choose how and when to pay - whether upfront, later, or over time. This flexibility helps customers manage their budgets and reduces purchase hesitation, increasing overall conversion.
Trusted security and protection: Klarna builds shopper confidence with buyer protection, real-time fraud monitoring, and easy dispute resolution - helping merchants reduce support burden and build trust.
Always-on customer support: Shoppers benefit from 24/7 multilingual support for order updates, returns, and account management - all in one place. This results in fewer merchant inquiries and a better post-purchase experience.

Boost sales with Klarna’s flexible payments

Klarna lets your shoppers pay how they want - making checkout easier and driving higher conversion and order value. Here’s how it works at checkout

1. Klarna at checkout

Customers select Klarna as their payment method, giving them flexible options without slowing down the checkout process.

2. Flexible payment options

Pay in full - Shopper pays the full amount instantly via card, direct debit, or bank transfer. Pick your Preferred Payment Method
Pay in 30 days - Shopper pays up to 30 days after delivery. No interest or fees apply if you pay on time.
Pay in installments - Shopper splits the purchase total into interest- free installments, auto-collected on a schedule.
Financing - Shopper spreads the cost over smaller monthly payments. Interest may apply.

3. Secure and seamless verification

Klarna handles identity verification and payment confirmation, reducing your risk and minimizing support inquiries.

4. Instant order completion

Once confirmed, the order is placed immediately, while Klarna manages the payment process—saving you time and administrative overhead.

5. Easy payment management

Customers can track purchases and payments in the Klarna app, improving post-purchase satisfaction and encouraging repeat business, which benefits your loyalty and retention metrics.