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KlarnaBNPL · global · pay later

Sell now.
They pay later.

Klarna lets your customers split payments into three instalments — you get paid upfront, Klarna handles the risk. Average order value goes up, conversion goes up, abandoned carts go down. Send a payment link, customer chooses Klarna, you get paid.

Create your linkFree generator
Free to start Setup in 2 minutes Via Stripe · Mollie
pay.payrequest.io/shortboard-coast
C
Coast Surfboards
Custom 6'2" shortboard
Total
€650.00
K.
Pay with Klarna
Selected
Pay €650.00
150M+
Klarna shoppers
+58%
average basket size
+30%
conversion lift
0%
risk to you
Definition

What is Klarna?

Klarna is a buy-now-pay-later (BNPL) provider that lets customers split payments into three interest-free instalments — while you get paid in full upfront.

Klarna is one of the world's largest BNPL services with 150 million shoppers across 27 markets. When a customer chooses Klarna at checkout, Klarna runs an instant credit check, approves them in seconds, and offers Pay in 3, Pay in 4, or Pay Later (30 days). You receive the full purchase amount immediately; Klarna collects the instalments from the customer.

With PayRequest, you can offer Klarna on every payment link you create. Send the link via WhatsApp, email, social media or QR code; when the customer opens it Klarna appears as a payment option alongside cards, iDEAL, Apple Pay and Bancontact. The customer picks Klarna, completes Klarna's quick approval flow, and the funds land in your provider account upfront.

Klarna lifts average order value 30–60% on higher-ticket purchases — design work, photography, training, fashion, furniture, electronics. Klarna takes the credit risk, so if the customer doesn't pay their instalments you still keep your money. Fees are typically 3–5% per transaction; PayRequest charges 0% on top.

Why Klarna

Everything you need. Nothing extra.

Bigger basket sizes
Customers spend 58% more on average when Klarna is offered. Splitting feels affordable.
You're paid upfront
Klarna pays you immediately and collects from the customer over three instalments — risk-free for you.
Klarna takes the risk
If the customer doesn't pay, Klarna eats the loss. You always get your money.
Global reach
Available across Europe, US, UK, Australia and beyond. Hundreds of millions of users.
Pay in 3 or pay later
Customers split into 3 interest-free instalments, or defer 30 days — they choose.
Mobile-first checkout
Klarna's app handles the customer experience — you just send the link.
Klarna payment link

One link. Klarna ready.

  • Same payment link automatically offers Klarna alongside iDEAL, card, Apple Pay etc.
  • Best for higher-ticket items: design work, photography, training, products over €100
  • Reduce abandoned carts — customers don't bail when they see a big total
  • Klarna handles all customer comms about instalments — you're not the bad guy if they're late
  • Connect via Stripe or Mollie — no separate Klarna contract required
Start free
3 steps
01
Create your link
Set the amount, add a description, choose Klarna as a payment method.
02
Share anywhere
WhatsApp, email, SMS, QR — copy the link, paste anywhere.
03
Get paid
Customer taps the link, pays with Klarna, money lands in your account.
Popular for
PhotographersWedding plannersDesignersWebshopsCourse creatorsFurnitureCoachesFashion
FAQ

Klarna payment links

How do Klarna payment links work?
Create a payment link with PayRequest. The customer chooses Klarna at checkout, gets approved in seconds, and selects 'Pay in 3' or 'Pay Later'. Klarna pays you the full amount immediately and collects from the customer.
Do I get paid upfront?
Yes. Klarna pays you the full amount minus their fee, regardless of whether the customer pays the instalments on time. You're never on the hook for collections.
What does Klarna cost?
Klarna fees vary by country and provider — typically 3-5% per transaction via Stripe or Mollie. Higher than card, but offset by 30%+ conversion lift and 58%+ larger baskets. PayRequest charges 0%.
What's the minimum and maximum amount for Klarna?
Minimums start at around €1; maximums depend on customer creditworthiness. Klarna decides each transaction in real-time. Most B2C purchases between €30 and €5,000 are approved instantly.
Can I refund a Klarna payment?
Yes — refunds work like any other payment. Refund inside PayRequest, Klarna handles the customer-side adjustment of their instalment plan automatically.

Send a Klarna link in 60 seconds

Free to start. No card required. Connect your provider, share a link, get paid.

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