Klarna payment method

Offering Klarna on your webshop is a smooth way to boost sales, increase your average order value, and extend your customer reach. As of today, Klarna has a large customer base worldwide, who buy more and shop online more often, with 1 million daily transactions.

  • Give shoppers flexible payment options while you always get paid upfront and in full
  • Safe and secure payment method for physical products with 100% risk-free guarantee (as long as the merchant comply with Klara's schemes rules)
  • Attract frequent shoppers, increase your average order value and items per basket
  • More than 90 million customers worldwide

Klarna solutions

Klarna offers three ways for the consumer to pay to their network of merchants, on both ecommerce and POS:

Pay Later

The option to pay in either 14 (Germany and Austria only) and 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 recognizes the shopper after their first payment with this option, their details 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 debit or credit card to complete their purchase. Accordingly, the installments will be charged to the preferred card, 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.

Accept Klarna with Adyen

Adyen offers a full service Klarna solution, including reconciliation, reporting and settlement services.

Marked US, UK, AU, DE, AT, CH, ES, IT, BE, NL, DK, SE, NO, FI, FR


Kanal E-handel
Behandling av valutaer USD, GBP, AUD, EUR, CHF, DKK, SEK, NOK
Tilbakevendende transasksjoner Yes
Refusjoner Yes
Delvise refusjoner Yes
Flere delvise refusjoner Yes
Flere delbetalinger Yes
3D Secure No
Utbetalinger No
Utbetalingsforsinkelse 4 days
Chargebacks No (guaranteed payment method as long as the merchant complies with the Klarna scheme rules)


Vi belaster et behandlingsgebyr + gebyr for betalingsmåte per transaksjon.

Provisjon per transaksjon kan variere fra region til region.



Interac-nettverket støtter prismodellen Interchange++. Den består av følgende komponenter:

  • Formidlingsgebyr belastet av banken som utstedte kortet.
  • Ordningsgebyr belastet av kortordningstilbyderne.
  • Gjeldende kortinnløserpåslag belastet av Adyen.
  Behandlingsgebyr Betalingsmetodegebyr
Interac debet og Flash 0,16 CAD Interchange++
Interac i app og på mobilnett 0,16 CAD Interchange++
Interac på nett 0,16 CAD Internasjonale selgere: 0,60 CAD + 2 %
Forhandlere innenlands: 0,90 CAD

Keep looking around


See what you're charged for every transaction.

Payment methods

Discover the preferred ways to pay in markets around the world.

Country payment guides

Learn the local payment language in countries around the world.


Learn how to add payment methods in our docs environment.

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