What does Klarna offer?

Choose the Klarna features you want - and only the features you want - to reduce purchase stress and improve your user experience. We have several retail finance and direct payment options to meet your needs, and they're all easily integrated into your existing buying journey. We understand every business is different. So our products work exactly how you want them. Whether you're a technophobe or a seasoned developer, we give you all the tools you need.
Our payment methods. Aligned with what people want, and need, when buying.
Pay now
Customers who want to pay in full at checkout can do it quickly and securely with Klarnas Pay now-option - using credit/debit card or Klarna Direkt, Sofort, SEPA, Direct Debit. 
Pay later
The option to buy now and pay later makes buying quicker and easier for customers: no need to fill out lengthy personal details or card numbers online. 
Slice it
Your customers can spread the cost of their purchases at a low interest rate, giving them flexibility and increased purchasing power. Our unique credit application requires minimal information and takes just seconds to complete