Klarna offers a flexible payment solution that allows customers in various countries, including the United States, United Kingdom, Australia, Canada, and Spain, to pay for purchases in installments. This guide outlines how to use Klarna for installment payments with our Payment Platforms using Stripe Inc. and provides details specific to each country.
Benefits of Klarna Installments
Convenience: Split payments into manageable portions.
Interest-Free Options: Pay in 4 or 3 installments without interest when payments are made on time.
Flexibility: Available for purchases from multiple shops in one order.
How to Pay Using Klarna Installments
Australia
Eligibility: Billing address in Australia, language set to English (US/UK), and currency set to AUD.
Order Range: AUD $50–$1,000.
Payment Schedule: First installment at checkout; remaining three installments every two weeks. No interest or fees for on-time payments.
Canada
Eligibility: Billing address in Canada, language set to English (US/UK) or French, and currency set to CAD.
Order Range: CAD $50–$1,000.
Payment Schedule: First payment at checkout; three subsequent bi-weekly payments. No interest or fees for timely payments.
Spain
Eligibility: Billing address in Spain, language set to Español or English (US/UK), and currency set to EUR.
Order Range: €50–€1,000.
Payment Schedule: First installment at checkout; two remaining installments every four weeks. No additional charges for on-time payments.
United States
Eligibility: Orders between $50 USD and $10,000 USD after discounts but before shipping and taxes.
Options:
Pay in 4: For orders $50–$1,000 USD. First payment at checkout; three bi-weekly installments thereafter.
Financing: For orders $1,001–$10,000 USD. Payment plans range from 6 to 36 months with interest rates determined by Klarna based on creditworthiness.
United Kingdom
Eligibility: Billing address in the UK, language set to English (UK), and currency set to GBP.
Order Range: £50–£1,000 GBP after discounts but before shipping and taxes.
Payment Schedule: First installment at checkout; two subsequent payments every four weeks. Klarna reports Pay in 3 purchases to credit reference agencies.
Using Klarna at Checkout
Add items to your cart and proceed to checkout.
Select Klarna as the payment method.
Log in or create a Klarna account.
Follow Klarna’s instructions to confirm your payment plan.
Submit your order.
Troubleshooting Klarna Payments
Ensure your location, language, and currency settings match your billing address.
Orders must meet the minimum and maximum total requirements for Klarna eligibility.
If you don’t see Klarna as an option, some sellers may not accept it as a payment method.
Refunds and Payment Schedules
Refunds are processed through Klarna if issued by the seller.
Payment schedules can be checked via the Klarna app or website.
By following this guide, you can take advantage of Klarna’s installment options for a seamless shopping experience. Always ensure you can meet repayment deadlines to avoid late fees or financial strain.
