Accept Klarna Buy Now Pay Later
Let customers pay in installments, pay later, or finance purchases — boosting your conversion rates by up to 44%. Available via Stripe and Mollie with PayRequest.
How Klarna Works
Klarna offers three payment options that let customers choose how they want to pay.
Pay in 3 Installments
Customers split their purchase into 3 equal, interest-free payments over 60 days. The first payment is collected at checkout, with remaining installments auto-charged every 30 days.
Pay in 30 Days
Customers receive their order first and pay within 30 days. No interest, no fees for the customer. Perfect for building trust with new customers.
Financing (6-36 months)
For larger purchases, customers can spread payments over 6 to 36 months with a fixed interest rate. Ideal for high-ticket items like courses or equipment.
Klarna Fees for Merchants
You pay a per-transaction fee to your payment provider. Customers pay nothing.
Via Stripe
Available in 20+ European countries. Enable in Stripe Dashboard under Payment Methods.
Via Mollie
Available for NL, BE, DE, AT, FI. Enable in Mollie Dashboard.
PayRequest charges 0% on top — all fees are from the payment provider. Klarna pays you upfront (minus fees), regardless of when the customer completes their installments.
How to Accept Klarna with PayRequest
Connect Your Payment Provider
Link your Stripe or Mollie account to PayRequest. Both support Klarna — Mollie has slightly lower fees (2.99% vs 3.25%).
Enable Klarna in Provider Dashboard
In your Stripe or Mollie dashboard, navigate to Payment Methods and enable Klarna. You may need to provide business details for Klarna's review.
Create Payment Links or Invoices
PayRequest automatically offers Klarna at checkout when it's enabled in your provider. Customers see Pay in 3, Pay Later, and Financing options.
Customers Choose Klarna at Checkout
When a customer selects Klarna, they complete a quick approval (soft credit check). You receive the full payment upfront from Klarna.
Why Offer Klarna?
Higher Conversion Rates
Klarna reports a 44% increase in conversion rates when BNPL is offered at checkout. Customers who can spread payments are more likely to complete purchases.
Larger Order Values
Average order values increase by 45% when customers can pay in installments. A €300 product feels more manageable as 3× €100.
Zero Risk for You
Klarna pays you upfront and takes on all credit risk. If a customer doesn't pay their installments, that's between them and Klarna — you keep your money.
150M+ Potential Customers
Klarna has over 150 million active users globally. Many customers specifically look for shops that offer Klarna.
Trust & Brand Recognition
Klarna is one of the most recognized fintech brands in Europe. Their brand is synonymous with flexible payments.
Smooth Checkout Experience
Returning Klarna users get one-click checkout. Klarna remembers their details, reducing friction and cart abandonment.
Klarna Availability
Klarna is available in 45+ countries. Key European markets include:
Availability varies by provider. Check Stripe or Mollie documentation for the latest country list.
Best Practices
Display Klarna Early
Show 'Pay in 3 installments' messaging on product pages, not just at checkout. This increases consideration and click-through.
Set Minimum Order Values
Klarna works best for orders over €35. For small amounts, the percentage fee makes card payments more cost-effective.
Highlight Zero Customer Fees
Many customers don't know Klarna is free for them. Emphasize 'Interest-free installments' in your messaging.
Combine with Other Methods
Offer Klarna alongside cards, iDEAL, and bank transfers. Different customers prefer different payment methods.
Offer Buy Now Pay Later with PayRequest
Connect Stripe or Mollie and start accepting Klarna payments today. Your customers pay in installments while you get paid upfront. €20/mo, all features included.