What Is Klarna?

Klarna is a buy now, pay later financing option available to customers and merchants with low risk involved. With the option to buy now and pay later in one fixed or split payment instalments, Klarna is a quickly growing preferred payment method for many european consumers. Considered a fast payment method that optimises the checkout flow, Klarna’s repayment options vary on location and variability.

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Payment Type Commerce Channel Chargebacks Recurring Refunds

Payment Type


Commerce Channel







How Does It Work?

Step 1

The customer chooses to checkout with Klarna.

Step 2

The customer is asked to provide their information to verify their account with Klarna.

Step 3

The customer selects their preferred repayment plan and confirms their purchase.

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Frequently Asked Questions

To get a merchant account, all you need to do is send us an application. You’ll be partnered with one of our banking partners in order to provide you with the best merchant account options that are cost-effective and suit your business best.
A merchant account is a business bank account. It’s used to receive payments from debit and credit cards for your products or services. Payments are held in your merchant account until they are settled into your bank account.
The cost of your merchant account will depend on various factors such as the type of industry and/or the level of risk involved in your business. For example, a high-risk merchant account would cost more than a low-risk merchant account.