90,000,000 active users

Accepts one-off and recurrring payments

Wide range of products including 0% financing

Strong brand recognition in EU, expanding to the US and APAC

Klarna solutions

Pay Later

The option to pay in 30 days offers shoppers the ability to try before they buy, with no interest or added fees.

Once the order is shipped, Klarna pays retailers upfront while your customers benefit from an extra up to 30 days to pay.

Pay Now

Shoppers can pay immediately by secure bank transfer. Klarna recognises the shopper after their first payment with this option, and their details are saved for future purchases.

This option is guaranteed; in case of non-payment, Klarna takes on the risk for the merchant.

Pay Over Time

‘Pay over Time’ (the option to spread costs over 6-36 months).

With Pay in 3/4, shoppers can use either their credit card or bank account to complete their purchase. Accordingly, the instalments will be charged to their preferred funding source, making online shopping more convenient for your customers.

With Pay over Time, the shopper completes a simple, real-time credit application with an instant decision.

How it works


Payment type
Buy now pay later
Available in North America United States, Canada
Europe United Kingdom, Norway, Denmark, Finland, France, Sweden, Poland, Portugal, Ireland, Austria, Italy, Spain, Switzerland, Belgium, Netherlands, Germany
Oceania Australia
Currencies Settlement currency AUD, DKK, EUR, NOK, GBP, SEK, CHF, USD, PLN, CAD
Processing currency USD, GBP, EUR, CHF, DKK, SEK, NOK, AUD, PLN, CAD
Other Refunds
Partial refunds
Multiple partial refunds
Multiple partial captures
3D Secure
Chargebacks Guaranteed payment method as long as the merchant complies with the Klarna scheme rules
Local entity required
Sales day payout
Settlement delay 4 days

How to integrate payment methods

Already a customer

If you are an Adyen customer, you can simply request a new payment method in the Customer Area.

Log in

Not a customer

Contact our team and we will help you set up a test account where you can explore our platform and payment methods.

Get in touch

Frequently Asked Questions

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