Buy now, pay later

Flexible payment options in minutes with Klarna on Stripe

Attract new customers and boost sales with Klarna, giving customers the option to buy now and pay later while you're paid in full upfront.

Reach new global customers

Klarna has over 150 million customers and is active in 45 markets. Businesses have seen as much as 40% of Klarna customers are new to their brand.

Simple payment plans that increase sales

Klarna offers a variety of simple payment options for every purchase. Businesses that enable Klarna see revenue increase by up to 6.6% on Klarna eligible sessions.

Protection from credit and fraud risk

You are paid the full amount of the purchase upfront, and Klarna handles collecting payments from your customer. Any losses from credit or fraud risk are covered by Klarna.

Get started fast with a unified integration

Add Klarna to any Stripe integration for faster deployment and unified monitoring, reporting, and payouts. There’s no application, onboarding, or underwriting process to get started.

How it works

A variety of payment options for your customers

Buy now, pay later options can give your customers more flexibility at checkout. Klarna’s payment plans adapt to local preferences, and with all options, your business is paid the full amount upfront with no repayment risk. New customers get an instant approval decision while returning customers can check out with just a few clicks. Available payment options vary by market.

Pay in installments

Customers can split the cost of their purchase into 3 or 4 interest-free payments, paid every 2 weeks.

Pay later

Let your customers try before they buy by offering an extra 30 days to complete their payment interest-free.


Customers fill out a simple application and get an instant approval decision to receive credit that can be paid off over 6–36 months.

Pay now

European customers can complete a purchase with stored card or banking details, speeding up checkout.

Fully integrated

Get started fast on Stripe

With Stripe, you can get up and running with Klarna in minutes. There’s no additional paperwork for eligible businesses to get started, and everything from maintenance to reconciliation is simpler with a unified payments integration.

Flexible UI options

Our optimized payment surfaces let you turn on Klarna and other payment methods from the Stripe Dashboard. Stripe’s machine learning algorithm then dynamically shows customers the most relevant payment methods.

For platforms

Through Connect, platforms and marketplaces can easily distribute Klarna with no work required by end users.

Ready to get started?

Stripe supports Klarna for businesses in Australia, Canada, New Zealand, United States and 24 European countries including the United Kingdom, France, and Germany.


Check if your business category is supported in the docs, or visit your Dashboard settings to confirm if you are eligible and get started.


Learn more about our transparent per-transaction pricing.

Conversion, average order value, global customer numbers and new shopper data provided by Klarna. All data relates to integrations involving Klarna in general and are not specific to integrating with Stripe.