Tech riderRev. 8 Oct 2026

Klarna

Ch 107.1of 26Buy Now, Pay Later Platforms

1Runs onAndroid, API, iOS, Web
2Costspaid from $4.99/mo
3Checkout channelsomnichannel
4Repayment termsPay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where available
5Merchant platformsShopify, Adobe Commerce, Salesforce Commerce, WooCommerce
6Merchant settlementscheduled
7Consumer regionsAustralia, 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, United Kingdom, United States
8Merchant dashboardYes

8 lines stated Written from the maker's own pages: klarna.com, investors.klarna.com

Overview

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 USD per month, 9.99 USD per month, 19.99 USD per month, and 44.99 USD per month. Klarna was founded in 2005.

Who it is for

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.

What is good

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.

What to know first

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.

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.

Klarna plans and pricing

All plans

Klarna Core membership $4.99/mo $4.99 /month Klarna Card membership plan investors.klarna.com · 8 Oct 2026

Klarna Plus membership $9.99/mo $9.99/month Klarna Card membership plan investors.klarna.com · 8 Oct 2026

Klarna Premium membership $19.99/mo $19.99 a month More than $3,000 in perks and benefits per year · 1.5% cashback with Klarna balance · Global travel protection investors.klarna.com · 8 Oct 2026

Klarna Max membership $44.99/mo $44.99 a month More than $5,000 in perks and benefits per year · 2% cashback with Klarna balance · Unlimited worldwide airport lounge access investors.klarna.com · 8 Oct 2026

Compared on buy now, pay later platforms

Checkout channels: omnichannelklarna.com
Repayment terms: Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where availableklarna.com
Merchant platforms: Shopify, Adobe Commerce, Salesforce Commerce, WooCommerceklarna.com
Merchant settlement: scheduledklarna.com
Consumer regions: 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, United Kingdom, United Statesklarna.com
Merchant dashboard: Yesklarna.com

Facts

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.docs.klarna.com · 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.klarna.com · 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.klarna.com · 7 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.klarna.com · 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.docs.klarna.com · 7 Oct 2026
Integrations: Klarna Docs lists integrations and guides for providers and platforms including Stripe, Adyen, Kustom, Worldpay, Shopify, Mollie, and PrestaShop.docs.klarna.com · 7 Oct 2026
Merchant features: Klarna Docs describes on-site messaging, express checkout, dynamic checkout presentation, and tools for sharing transaction details through APIs.docs.klarna.com · 7 Oct 2026
Recurring payments: Klarna Payments supports recurring payments for subscriptions and unscheduled charges, as well as one-time payments.docs.klarna.com · 7 Oct 2026
Security: Klarna’s UK security page describes encryption, two-factor authentication, machine-learning fraud monitoring, biometrics, passkeys, and real-time account alerts.klarna.com · 7 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.klarna.com · 7 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.klarna.com · 7 Oct 2026
Support: Klarna’s US Pay in 4 page directs customers to customer service for help and troubleshooting.klarna.com · 7 Oct 2026
Product: Klarna Payments adds Klarna as a checkout payment method for web, in-app, and in-person purchases.docs.klarna.com · 8 Oct 2026
Payment choices: Customers can select pay now, pay later, or pay in parts after choosing Klarna at checkout.docs.klarna.com · 8 Oct 2026
Shopper app: The Klarna app supports flexible payments, cashback, payment management, loyalty cards, in-store shopping, price comparison, and delivery tracking.klarna.com · 8 Oct 2026
Free app: Klarna says its app is free to download and use.klarna.com · 8 Oct 2026
App platforms: Klarna lists the app as available on the App Store and Google Play.klarna.com · 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.docs.klarna.com · 8 Oct 2026
WooCommerce limitation: The WooCommerce integration supports only full capture, though it supports partial and full refunds.docs.klarna.com · 8 Oct 2026
API security: Klarna API endpoints support HTTPS using TLS 1.2.docs.klarna.com · 8 Oct 2026
Customer support: Klarna’s US customer service page offers assistance through sign-in chat for purchases and accounts.klarna.com · 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.klarna.com · 8 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.investors.klarna.com · 8 Oct 2026