Klarna
Klarna is a payment service founded in 2005, with web, iOS and Android availability.
What Klarna is
Klarna is a payment service founded in 2005, with web, iOS and Android availability. It supports checkout through omnichannel channels and offers several repayment options: pay immediately, pay later within up to 30 days, split payment into three or four installments, or use financing over 6–2. Klarna works with merchant platforms including Shopify, Adobe Commerce, Salesforce Commerce and WooCommerce. Merchant settlements are scheduled, and merchants have access to a dashboard. Consumer availability spans Australia, Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Spain, Sweden, Switzerland, the United Kingdom and the United States. Klarna is a paid service; pricing is available on request.
Good
- Offers pay-now and pay-later options.
- Installment options include three or four payments.
- Supports Shopify, Adobe Commerce and other platforms.
- Available on web, iOS and Android.
Watch out
- Pricing is available on request.
- Consumer availability is limited to listed regions.
Who it suits
Klarna may suit consumers in its listed regions who want different ways to repay at checkout. Merchants using supported commerce platforms can consider it for omnichannel checkout and scheduled settlement.
Verdict
Klarna combines multiple repayment terms with support for several merchant platforms and checkout channels. Check regional availability and request pricing before choosing it.
Plans and prices
From Klarna's own pricing page, checked 8 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Klarna Core membership | $4.99 a month | Klarna Card membership plan · $4.99 /month |
| Klarna Plus membership | $9.99 a month | Klarna Card membership plan · $9.99/month |
| Klarna Premium membership | $19.99 a month | More than $3,000 in perks and benefits per year · 1.5% cashback with Klarna balance · Global travel protection · $19.99 a month |
| Klarna Max membership | $44.99 a month | More than $5,000 in perks and benefits per year · 2% cashback with Klarna balance · Unlimited worldwide airport lounge access · $44.99 a month |
The facts
Each one read from Klarna's own pages, with the date it was checked.
What it does
- API security
- Klarna API endpoints support HTTPS using TLS 1.2.checked 8 Oct 2026
- Cashback
- Klarna says shoppers can earn up to 12% cashback at participating stores in its app and redeem it to a Klarna balance or, with a membership, for airline and hotel points.checked 7 Oct 2026
- Customer eligibility
- The US Pay in 4 page says users must be US residents or eligible territory residents, at least 18 or the legal age in their state, and have a valid card or bank account and the ability to receive security verification codes by text.checked 7 Oct 2026
- Customer support
- Klarna’s US customer service page offers assistance through sign-in chat for purchases and accounts.checked 8 Oct 2026
- Eligibility limit
- Klarna says each purchase attempt receives a new automated approval decision based on current credit data, and prequalification is not a guarantee of approval.checked 8 Oct 2026
- Geographic limit
- The US Pay in 4 page says the service is unavailable in Hawaii, US territories other than Puerto Rico, and for customers with APO/FPO/DPO addresses.checked 7 Oct 2026
- Integrations
- Klarna Payments supports integrations including Shopify, Adobe Commerce, Salesforce Commerce, and WooCommerce.checked 8 Oct 2026
- Late payment limit
- The US Pay in 4 page says a late fee may be up to $7.00 and aggregate late fees will not exceed 25% of the order value at purchase.checked 7 Oct 2026
- Merchant channels
- Merchants can accept Klarna payments on the web, in apps, and in person, including through direct API integration or plugins for platforms such as Shopify, Adobe Commerce, and Salesforce Commerce.checked 7 Oct 2026
- Merchant features
- Klarna Docs describes on-site messaging, express checkout, dynamic checkout presentation, and tools for sharing transaction details through APIs.checked 7 Oct 2026
- Other payment options
- The US page also describes Pay in 30 days, paying in full, and monthly financing with 6–24 month options.checked 7 Oct 2026
- Pay in 4
- In the US, Pay in 4 splits a purchase into four interest-free payments collected every two weeks, with no fees when paid on time.checked 7 Oct 2026
- Payment choices
- Customers can select pay now, pay later, or pay in parts after choosing Klarna at checkout.checked 8 Oct 2026
- Product
- Klarna Payments adds Klarna as a checkout payment method for web, in-app, and in-person purchases.checked 8 Oct 2026
- Recurring payments
- Klarna Payments supports recurring payments for subscriptions and unscheduled charges, as well as one-time payments.checked 7 Oct 2026
- Security
- Klarna describes account protections including encryption, two-factor authentication, real-time fraud monitoring, biometrics, and passkeys.checked 8 Oct 2026
- Support
- Klarna’s US Pay in 4 page directs customers to customer service for help and troubleshooting.checked 7 Oct 2026
- What it does
- Klarna Payments lets merchants offer Klarna as a checkout payment method, with options customers can select such as pay now, pay later, or pay in parts.checked 7 Oct 2026
- Who it serves
- Klarna describes its services for consumers shopping online, in-store, and through Apple Pay and Google Pay, and for retailers seeking payments solutions.checked 8 Oct 2026
- WooCommerce features
- Klarna’s WooCommerce plugin includes payments and order management, plus options for express checkout, on-site messaging, and Sign in with Klarna.checked 8 Oct 2026
Where it runs
- App platforms
- Klarna lists the app as available on the App Store and Google Play.checked 8 Oct 2026
- Shopper app
- The Klarna app supports flexible payments, cashback, payment management, loyalty cards, in-store shopping, price comparison, and delivery tracking.checked 8 Oct 2026
The company
- Founded
- 2005checked 23 Sep 2026
Money
- Free app
- Klarna says its app is free to download and use.checked 8 Oct 2026
