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How to Accept Klarna Buy Now, Pay Later Payments

Klarna offers flexible payment options that give customers more freedom to choose when and how to pay for a purchase. Klarna provides payment solutions for 90 million consumers and over 200,000 businesses across 19 markets.

There are four different ways for customers to pay for a transaction with Klarna: Pay in Installments, Pay Later, Pay Now, and Financing. You can choose to offer one, two or multiple options. You are paid upfront and are protected against fraud and customer payment risk.

Klarna Pay in Installments allows customers to make an online purchase and spread the cost over three or four interest-free payments.

For more information, please visit Stripe’s Klarna buy now, pay later docs.

Payment Method TypeBuy now, pay later
Relevant Payer GeographyAustria, Belgium, Denmark, Finland, France, Germany, Italy, Norway, Spain, Sweden, The Netherlands, United Kingdom, United States
Presentment CurrencyEUR, GBP, USD
Country AvailabilityAustria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Netherlands, Norway, Slovakia, Slovenia, Spain, Sweden, United Kingdom, United States
Recurring PaymentsNo
DisputesYes, for non-fraud disputes
Payment CompletionImmediate for Pay Now. In most countries, Pay Later is also immediate.
Payment method properties

A Professional or higher license is required to access buy now, pay later features.

Enable Klarna

Embedded and Overlay Forms

Enable Klarna in the “Payment Methods” custom field within the “Form Fields” tab of your Payment Form. 

Enable Klarna Buy Now, Pay Later On-Site
Stripe Checkout

Enable Klarna in the “Stripe Checkout” tab of your Payment Form. 

Enable Klarna Buy Now, Pay Later with Stripe Checkout

Klarna has minimum requirements for data to collect, such as the billing name, billing address, and shipping address in some instances. WP Simple Pay automatically adds these custom fields if they have not been added prior to enabling the payment method.

Klarna Payment Flow

Below is a demonstration of the Klarna payment flow from a Stripe Checkout page:

Visit our Klarna payment form demo to further understand the payment flow.

Transaction fees are assessed per successful payment. See Stripe's pricing for details.

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Updated on May 12, 2022