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Learn how to accept Klarna payments.

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Learn more about pricing and supported countries/regions for Klarna on

Klarna is a popular Buy Now Pay Later payment method available in 22 countries/regions. 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 Recurring Refunds Partial refunds Separate captures Partial captures Chargebacks
Pay later Buy Now Pay Later Redirect -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark-
See note 2
See note 3
Pay over time Buy Now Pay Later Redirect In the US -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark-
See note 2
See note 3
Pay now Online banking / Direct debit Redirect In AT, DE, NL, SE
See note 1
-white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark-
See note 2
See note 3
Billie (B2B) Buy Now Pay Later Redirect -x- -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark-

1If you want to offer recurring payments for Klarna Pay now, contact our Support Team.
2To enable multiple partial captures, contact our Support Team.
3Chargebacks can only occur if you don't follow Klarna scheme rules. For more information, see Klarna chargebacks.

Authorization adjustment

Klarna supports authorization adjustment, allowing you to adjust the amount between the authorization and the capture. For more information, see:

Supported countries/regions

Country/region 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-
Canada CA CAD -x- -x- -white_check_mark-
Czech Republic CZ CZK -x- -x- -white_check_mark-
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-
Greece GR EUR -x- -x- -white_check_mark-
Ireland IE EUR -x- -x- -white_check_mark-
Italy IT EUR -x- -x- -white_check_mark-
Norway NO NOK -x- -white_check_mark- -white_check_mark-
Poland PL PLN -x- -white_check_mark- -x-
Portugal PT EUR -x- -x- -white_check_mark-
Romania RO RON -x- -x- -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-
See note 3
See note 3
The Netherlands NL EUR -white_check_mark- -white_check_mark- -white_check_mark-
United Kingdom GB GBP -x- -white_check_mark- -white_check_mark-
United States US USD -x- -x- -white_check_mark-

3If you want to offer Klarna in Switzerland, contact our Support Team.

Klarna Merchant Portal

When you add Klarna as a payment method to your live account in the Customer Area, you receive an automated activation link to the dispute email address that you have provided. This email is the main login credential for the Klarna Merchant Portal. Note that you cannot change the dispute email address later.

As an Adyen Merchant, you will have access to the following features of the Klarna Merchant Portal:

  • Users App: Manage users in the organization and invite new ones.
  • Orders App: View information about orders and edit the shipping and billing details.
  • Branding App: Manage how brand assets are displayed on the Klarna's customer touchpoints.
  • On-Site Messaging App: Manage how Klarna payment options are communicated to your customers. For more information, see Klarna documentation.

For more information on how to use the Klarna Merchant Portal, see our FAQ pages.

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?