What is Klarna?

Klarna is a leading global payment service that allows shoppers to buy now and pay later with flexible payment options. Trusted by over 85 million users worldwide and available at more than 550,000 retailers, Klarna makes shopping more convenient by offering various payment plans such as Pay in 4 interest-free payments, Pay in 30 days, and longer-term financing. Klarna provides a seamless, secure checkout experience, whether you're shopping online, in-store, or using the Klarna app.

What Does Klarna Solve for Shoppers?

Klarna simplifies the shopping experience by giving customers control over how they pay. It allows shoppers to split payments into smaller, manageable amounts without interest, providing flexibility for budgeting and reducing upfront costs. Klarna’s buyer protection also adds peace of mind, letting customers pause payments in case of returns or disputes. With its intuitive app, Klarna makes it easy to manage purchases, track spending, and shop at popular retailers—all in one place.

Pay Now

Klarna’s Pay Now option allows you to make purchases instantly and securely. This choice provides a fast checkout experience, enabling you to pay the full amount upfront.

Pay in 4 Interest-Free Payments

With Klarna’s Pay in 4 option, you can split your purchase into four equal, interest-free payments. The first payment is made at the time of purchase, with subsequent payments automatically charged every two weeks.

Pay in 30 Days

This option allows you to shop now and pay later—up to 30 days after the purchase. You can complete your order without any upfront payments, and no interest is applied as long as the payment is made within the 30-day period.

Klarna Financing

For larger purchases or when you need more time to pay, Klarna offers financing plans that allow you to spread the cost over several months. Monthly payments are tailored to fit your budget, providing more flexibility for significant expenses.

Klarna App

The Klarna app is your one-stop solution for shopping, managing payments, and tracking deliveries. With the app, you can compare prices across stores, access exclusive deals, and earn cashback on your purchases. It also helps you manage your spending, store loyalty cards, and track orders in real time.

Klarna Card

The Klarna Card allows you to take Klarna’s flexible payment options with you wherever you shop, whether online, in-store, or abroad. You can link the card to the Klarna app to manage purchases, split payments, and track spending seamlessly.

Browser Extension

Klarna’s browser extension enhances your shopping experience by allowing you to compare prices, automatically apply coupons, and split payments when you check out. This tool helps you find the best deals and save money without leaving your browser.

Cashback and Rewards

Klarna offers cashback when you shop through its app at participating stores. You can redeem your cashback for future purchases, making it easier to save while you shop. The Klarna app also notifies you about exclusive deals and price drops from your favorite brands.

Klarna Plus

Klarna Plus is a premium membership that offers additional benefits such as no service fees, exclusive monthly deals, and rewards like discounts at partner stores. For $7.99 a month, members unlock these perks, making shopping with Klarna even more rewarding.

Klarna Balance

With Klarna Balance, you can earn cashback on your purchases and receive fast refunds directly into your balance. Add money instantly using a debit card and manage your funds within the Klarna app, providing a more streamlined shopping and refund experience.

FAQs

How does Klarna’s Pay in 4 option work?

Klarna’s Pay in 4 allows you to split your purchase into four equal payments. The first payment is due at checkout, and the remaining three are charged automatically every two weeks—interest-free.

Is the Klarna Card available internationally?

Yes, the Klarna Card can be used for online and in-store purchases both domestically and internationally, making it a flexible payment option wherever you shop.

What is Klarna’s buyer protection?

Klarna offers buyer protection that allows you to pause payments if you encounter an issue with your purchase, such as a dispute with the retailer or a return.

How does Klarna’s cashback program work?

When you shop through the Klarna app at participating retailers, you earn cashback on your purchases. This cashback can be redeemed for future purchases, helping you save on upcoming orders.

What is Klarna Plus?

Klarna Plus is a subscription service that provides additional perks, including no service fees, exclusive monthly deals, and rewards. It costs $7.99 per month and can be managed through the Klarna app.