When you use Klarna, you give your customers flexible payment choices while you receive the full purchase amount immediately. Klarna takes on the credit check and the risk of non-payment. This means you secure the sale without having to chase invoices.
Klarna Pay in 30 days (Buy now, pay later): Customers receive their goods first and pay within 30 days. This is ideal for fashion or retail because payment is only due after the goods arrive, so customers have time to try, then return what they don’t want, and only pay for what they keep.
Klarna Pay Now: Formerly known as Sofort, Pay Now allows customers to pay instantly using their online banking details. The transaction happens in real time. It gives you immediate confirmation, allowing you to ship physical goods or schedule service bookings right away.
Klarna Pay in 3 or 4: Customers split the cost of their purchase into three or four interest-free payments. It removes the hesitation of paying a large lump sum upfront. This is highly effective for mid-range products, naturally lifting your average order value.
Klarna Financing (Pay over time): For larger, expensive purchases, customers can spread the cost over several months (up to 36 months). Klarna assumes all the risk. Offering financing helps you reach customers who want high-value items but need long-term flexibility.
