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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 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- -white_check_mark-
See note 2
Pay over time Buy Now Pay Later Redirect In the US -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark-
See note 2
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- -white_check_mark-
See note 2

1 If you want to offer recurring payments for Klarna Pay now, contact our Support Team.

2 Chargebacks can only occur if you don't follow Klarna scheme rules. For more information, see Klarna chargebacks.

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-
See note 3
See note 3
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-

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

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.

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