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Learn how to accept Klarna payments.

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Learn more about pricing and supported countries for Klarna on

Klarna payments are popular in Sweden, and are also available in some other countries. With Klarna, the shopper can choose to: 

  • Pay later: Pay after the goods have been delivered.
  • Pay over time: Pay in installments over time. 
  • Pay now: Pay the whole amount instantly, either by online banking or direct debit.

Before approving the payment, Klarna performs risk checks on the shopper. If successful, Klarna takes on the full fraud risk for the payment, and pays you up front.

Payment type Payment flow Countries Currencies Recurring Refunds Partial refunds Separate captures Partial captures Chargebacks
Buy Now Pay Later,
Online banking
Redirect /
Klarna widget
Multiple Multiple -white_check_mark-
See note 1
-white_check_mark- -white_check_mark- -white_check_mark-
-white_check_mark- -white_check_mark-
See note 2

1 For information about the availability of recurring payments, refer to Klarna documentation.
2 Klarna is a guaranteed payment method as long as you comply with the scheme rules and your business model contains physical goods. Chargebacks are handled between you and Klarna directly via the dispute email address that you provide. We are working on making the disputes process available in the Customer Area. For more information, see Klarna chargebacks.

All Klarna payments have to be manually captured within 90 days after authorisation, even if you have enabled automatic capture for other payment methods on your merchant account.

If you can guarantee that the goods are shipped within 24 hours of capturing the payment, our Support Team can also set up automatic capture for Klarna payments.

Supported countries

Country countryCode amount.currency Pay now Pay later Pay over time
Australia AU AUD -x- -x- -white_check_mark-
Austria AT EUR -white_check_mark- -white_check_mark- -white_check_mark-
Belgium BE EUR -white_check_mark- -white_check_mark- -x-
Denmark DK DKK -x- -white_check_mark- -x-
Finland FI EUR -x- -white_check_mark- -white_check_mark-
France FR EUR -x- -x- -white_check_mark-
Germany DE EUR -white_check_mark- -white_check_mark- -white_check_mark-
Italy IT EUR -x- -x- -white_check_mark-
Norway NO NOK -x- -white_check_mark- -white_check_mark-
Spain ES EUR -x- -x- -white_check_mark-
Sweden SE SEK -white_check_mark- -white_check_mark- -white_check_mark-
Switzerland CH CHF -white_check_mark- -white_check_mark- -x-
The Netherlands NL EUR -white_check_mark- -white_check_mark- -x-
United Kingdom GB GBP -x- -white_check_mark- -white_check_mark-
United States US USD -x- -x- -white_check_mark-

Klarna Merchant Portal

Klarna will send you an email with an automated activation link containing your Klarna Merchant Portal credentials. This email will be sent to the dispute email address that you provide when you add Klarna as a payment method to your live account in the Customer Area. Note that you cannot change the dispute email address later.

In the Klarna Merchant Portal you will have access to the following functionalities:

  • Users App: Manage the users of the organization and invite new ones.
  • Orders App: View orders information and edit shipping / billing information of orders.
  • Branding App: Manage how brand assets are displayed on Klarna’s customer touch points.
  • On-Site Messaging App: Manage how the different Klarna payment options are communicated to your customers.

For more information about the Klarna Merchant Portal, see our FAQ.

You will not be able to manage disputes using the Klarna Merchant Portal. For more information about the disputes process and guidelines, see Klarna chargebacks.

How do you want to integrate?

When using our classic Hosted Payment Pages integration, refer to our old Klarna documentation instead.