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Payments, checkout, and shopping flow
A clearer way to understand Klarna.
Klarna is a Swedish fintech company that helps shoppers complete purchases with flexible payment choices. Instead of offering only one checkout path, it lets eligible customers pay immediately, later, or in smaller scheduled payments.
Simple checkout
Flexible plans
Merchant tools
111M
active shoppers
790K
connected merchants
3M
transactions each day
26
supported markets
Overview
What Klarna does
Klarna acts as a payment layer between shoppers and online stores. When it is available at checkout, customers can choose a supported payment option and review the plan before confirming the order.
For shoppers, the value is convenience and visibility. For merchants, Klarna adds flexible payment choices without requiring the store to build its own installment or consumer-financing system.
Payment choices
Several payment paths, one checkout moment
Klarna payment methods vary by region, store, purchase amount, and eligibility. The experience is usually presented in clear categories so shoppers can compare their options quickly.
Pay later
Receive the order first and pay after a short period where this option is supported.
Pay in 4
Divide the total into four smaller payments, commonly scheduled every two weeks.
Pay over time
Spread larger purchases across a longer plan when financing is available and approved.
Shopping flow
Designed to keep checkout easy to follow
When a shopper selects Klarna, the service guides them through the payment choice, account step, and confirmation flow. The customer sees the key terms before the purchase is completed.
After checkout, upcoming payments and reminders are managed through Klarna, giving customers one place to track what is due and when.
For merchants
Why stores offer Klarna at checkout
More checkout choice
Merchants can offer several payment styles while keeping the purchase flow familiar.
Integration routes
Klarna can be added through APIs, ecommerce plugins, web checkout, app checkout, and selected in-store flows.
Payment infrastructure
The platform handles secure payment steps, consumer account flows, reminders, and monitoring around the transaction.
Independent overview
This page is a simple informational overview of Klarna. It is not an official Klarna website and does not provide financial advice. Actual terms are shown by Klarna or the merchant during checkout.