Klarna Pay Later

Klarna Pay Later is an invoicing payment method for Shopify Payments. When a customer selects Klarna Pay Later as their payment method, they agree to pay for their purchase at a later date. However, Klarna pays for the order immediately and the funds are included in your next payout.

Klarna requirements

To enable Klarna Pay Later for your online store, you need to be using Shopify Payments.

Klarna Pay Later is available only to merchants in Germany.

Activate Klarna Pay Later

Before Klarna Pay Later can be activated, you have to set up Shopify Payments.

You can find Klarna Pay Later listed under Payment Methods in your Payment settings.

Payments with Klarna Pay Later

When a customer places an order and uses Klarna Pay Later to pay, the funds are paid to you on your next payout. To learn more about getting paid with Shopify Payments, see Shopify Payments pay periods.

If you refund a transaction processed by Klarna Pay Later, then you are not refunded the processing fee charged to you by Shopify Payments.

If a chargeback is opened against an order, then the customer is encouraged to contact you directly. Klarna contacts the customer if the dispute is not resolved after 21 days. Klarna then contacts you by email about the dispute. You have 7 days to respond to the dispute notification from Klarna. To learn more about chargebacks with Klarna, see the Klarna buyer protection policy.

Capture payments manually with Klarna

You can manually capture your authorized Klarna Pay Later payments. If you have configured your settings to capture funds manually, then you won't automatically receive money from orders paid for with Klarna Pay Later. To get paid, capture the payment manually as soon as it's authorized. When you capture your payment manually, you are charged the Shopify Payments transaction fee based on the amount captured at that time. Payments from Klarna Pay Later must be captured within 28 days of being authorized.

Klarna Pay Later customer experience

When a customer visits your online store and makes a purchase, they will see Klarna Pay Later as a payment option during the checkout process.

If your customer wants to use Klarna Pay Later to pay, they select it in the checkout. After Klarna Pay Later is selected, they are redirected to Klarna to choose when to pay for their order.

Your customer will be charged an additional fee if they choose a longer period of time to pay for their order.

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