Klarna overview

Klarna is a flexible online payment method that lets customers pay now, in 30 days, or in 3-4 installments. It also offers financing. Customers are only charged for the items they keep from the order. Klarna bears the risk and guarantees settlement.

Countries Austria, Belgium, Denmark, Finland, France, Germany, Italy, Norway, Portugal, Spain, Sweden, Switzerland, The Netherlands
Currencies EUR, GBP, SEK, NOK, DKK
Chargebacks No – See Chargebacks.
Refunds Full, partial, and API refunds, discounts
Transactions expire after 1 hour

Recent changes

  • Pay in 3 interest-free payments with a bank mandate or card is now available in the Netherlands.
  • Pay Later 30 becomes the default in the Netherlands and Belgium from January 11, 2022.

For more information, see Klarna – Betaal later.

Customer addresses

The customer’s billing and shipping addresses must be the same.


Due to changes to the Wet op het consumentenkrediet, merchants who apply surcharges to pay later methods are now deemed credit providers under article 7:57 of the Burgerlijk Wetboek. This requires a permit from the Authority for Financial Markets (AFM). We therefore strongly recommend discontinuing any surcharges.

For more information, see Klarna – Welk bedrag kan ik maximaal doorberekenen aan mijn klant?

See also

Gift cards and pay later methods


Propose a change on GitHubexternal-link-icon or
send an email to [email protected]

Other languages

For an explanation in another language, contact your account manager.