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Klarna
klarna.com
What it is
Klarna gives shoppers payment choices at checkout and gives merchants a way to offer those choices online, in apps, and in person. Customers can pay now, pay later, or split a purchase into installments; US options include Pay in 4, Pay in 30 days, paying in full, and monthly financing over 6–24 months. Pay in 4 divides a purchase into four interest-free payments collected every two weeks, with no fees when paid on time. Shoppers can also use the app to manage payments, track deliveries, compare prices, keep loyalty cards, shop in stores, and earn cashback at participating retailers. The app is free to download and use on iOS and Android. Merchants can connect through APIs or plugins for platforms including Shopify, Adobe Commerce, Salesforce Commerce, and WooCommerce, and can access tools such as express checkout and on-site messaging. Klarna Payments supports subscriptions and unscheduled charges as well as one-time payments. The service is paid, with pricing on request; Klarna Card membership plans are listed at $4.99 a month, $9.99 a month, $19.99 a month, and $44.99 a month. Klarna was founded in 2005.
Spec sheet
- 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.Read 7 Oct 2026 · docs.klarna.com
- Product
- Klarna Payments adds Klarna as a checkout payment method for web, in-app, and in-person purchases.Read 8 Oct 2026 · docs.klarna.com
- Integrations
- Klarna Payments supports integrations including Shopify, Adobe Commerce, Salesforce Commerce, and WooCommerce.Read 8 Oct 2026 · docs.klarna.com
- Security
- Klarna describes account protections including encryption, two-factor authentication, real-time fraud monitoring, biometrics, and passkeys.Read 8 Oct 2026 · klarna.com
- Support
- Klarna’s US Pay in 4 page directs customers to customer service for help and troubleshooting.Read 7 Oct 2026 · klarna.com
- Founded
- 2005Read 23 Sep 2026 · klarna.com
- API security
- Klarna API endpoints support HTTPS using TLS 1.2.Read 8 Oct 2026 · docs.klarna.com
- App platforms
- Klarna lists the app as available on the App Store and Google Play.Read 8 Oct 2026 · klarna.com
- 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.Read 7 Oct 2026 · klarna.com
- 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.Read 7 Oct 2026 · klarna.com
- Customer support
- Klarna’s US customer service page offers assistance through sign-in chat for purchases and accounts.Read 8 Oct 2026 · klarna.com
- 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.Read 8 Oct 2026 · klarna.com
- Free app
- Klarna says its app is free to download and use.Read 8 Oct 2026 · klarna.com
- 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.Read 7 Oct 2026 · klarna.com
- 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.Read 7 Oct 2026 · klarna.com
- 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.Read 7 Oct 2026 · docs.klarna.com
- Merchant features
- Klarna Docs describes on-site messaging, express checkout, dynamic checkout presentation, and tools for sharing transaction details through APIs.Read 7 Oct 2026 · docs.klarna.com
- Other payment options
- The US page also describes Pay in 30 days, paying in full, and monthly financing with 6–24 month options.Read 7 Oct 2026 · klarna.com
- 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.Read 7 Oct 2026 · klarna.com
- Payment choices
- Customers can select pay now, pay later, or pay in parts after choosing Klarna at checkout.Read 8 Oct 2026 · docs.klarna.com
- Recurring payments
- Klarna Payments supports recurring payments for subscriptions and unscheduled charges, as well as one-time payments.Read 7 Oct 2026 · docs.klarna.com
- Shopper app
- The Klarna app supports flexible payments, cashback, payment management, loyalty cards, in-store shopping, price comparison, and delivery tracking.Read 8 Oct 2026 · klarna.com
- 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.Read 8 Oct 2026 · investors.klarna.com
- WooCommerce features
- Klarna’s WooCommerce plugin includes payments and order management, plus options for express checkout, on-site messaging, and Sign in with Klarna.Read 8 Oct 2026 · docs.klarna.com
- WooCommerce limitation
- The WooCommerce integration supports only full capture, though it supports partial and full refunds.Read 8 Oct 2026 · docs.klarna.com
Plans and prices
Klarna Core membership $4.99 a month $4.99 /month Klarna Card membership plan Read 8 Oct 2026 · investors.klarna.com
Klarna Plus membership $9.99 a month $9.99/month Klarna Card membership plan Read 8 Oct 2026 · investors.klarna.com
Klarna Premium membership $19.99 a month $19.99 a month More than $3,000 in perks and benefits per year · 1.5% cashback with Klarna balance · Global travel protection Read 8 Oct 2026 · investors.klarna.com
Klarna Max membership $44.99 a month $44.99 a month More than $5,000 in perks and benefits per year · 2% cashback with Klarna balance · Unlimited worldwide airport lounge access Read 8 Oct 2026 · investors.klarna.com
Strong points and limits
Strong points
- Pay in 4 uses four interest-free payments every two weeks.
- Free app supports payment management and delivery tracking.
- Merchants can accept payments online, in apps, and in person.
- Recurring and one-time payments are supported.
- Integrates with Shopify, Adobe Commerce, Salesforce Commerce, and WooCommerce.
Limits
- Pay in 4 is unavailable in Hawaii and most US territories.
- Each purchase requires a new automated approval decision.
- WooCommerce supports only full capture.
- Late fees may reach $7.00, subject to an order-value cap.
Who it suits
Klarna suits shoppers who want payment choices at checkout and retailers seeking payment options across web, app, and in-person channels. Merchants using supported commerce platforms can connect through plugins or APIs.
Verdict
Klarna combines shopper payment options and a payment service for merchants, with several ways to integrate checkout. Check local eligibility and merchant integration limits, and note that service pricing is on request while membership plans have monthly prices.
Where Specifiction places it
- Shopping and Price-Tracking Apps#3 of 638.4
- Buy Now, Pay Later Platforms#2 of 268.5
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