Klarna is a direct and secure payment method that offers multiple payment options for Shopify Payments. Klarna is available only to merchants in:
With Klarna Pay Later, Klarna Pay Now, and Klarna Slice It, your customers can choose to pay for their orders with a variety of options. These different payment options let customers pay immediately, by invoice, or through installments using direct debit or credit card. Using Klarna on Shopify Payments provides a safe and easy checkout experience for your customers.
Klarna's payment options are enabled by default when you set up Shopify Payments. Klarna reviews your business before you can accept payments through their payment options. After Klarna approves your business, customers can check out using Klarna.
You can adjust which Klarna options are available to customers at any time.
- From your Shopify admin, go to Settings > Payments.
- From the Shopify app, go to Store > Settings.
- Under Store settings, tap Payments.
- From the Shopify app, go to Store > Settings.
- Under Store settings, tap Payments.
- If Shopify Payments isn't set up yet, then click Complete account setup and complete the registration page.
- In the Shopify Payments section, click Manage.
- In Payment options, toggle the payment options that you want to change.
- Click Save
Payments with Klarna
When a customer places an order and uses a Klarna payment method to pay, the funds are paid to you on your next Shopify Payments payout.
Klarna works differently with Shopify Payments than the usual checkout process. For example, if a customer pays using Klarna Pay Later, they'll arrive at Klarna's checkout page to create a new account or log into an existing one. The payments are handled directly within the Klarna interface, and not through your store checkout. If the customer has any issues or questions, they need to contact Klarna directly. You are paid as usual within Shopify Payments.
If you refund a transaction processed by Klarna, then you are not refunded the processing fee charged to you by Shopify Payments. Transaction fees vary based on which billing plan you are on. For more information about pricing, refer to the Shopify pricing page for Sweden or the Shopify pricing page for Germany.
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.
Regions where customers can pay using Klarna
Klarna payment options are shown only in euros (EUR) at checkout to customers in:
- The Netherlands
If your customers are in Denmark, Sweden, or the United Kingdom, then they can't check out in EUR. Customers in these countries need to use their local currencies.
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. The customer can sometimes choose between a two week or a two month pay-back schedule. Klarna pays for the order immediately and the funds are included in your next Shopify Payments payout.
Regions that can receive payments using Klarna Pay Later
Klarna Pay Later is available to merchants in Austria and Germany who sell in euros, and to merchants in Sweden who sell in Swedish krona or euros.
Capture payments manually with Klarna Pay Later
In your payment settings, you can choose to capture payments automatically when an order is placed, or to capture them manually within 28 days of an order. By default, your payments are captured automatically. When you capture a payment, the funds are provided to you immediately by Klarna, and a link is emailed to the customer. The customer uses the link to pay Klarna for their order. They have up to 14 days to pay, depending on their offer at checkout.
After receiving their order, a customer also has up to 14 days to decide whether they want to keep it, based on the Klarna Buyer Protection Policy. If you offer your customers the option to pay with Klarna, then we recommend that you set your payment settings to capture payments manually, and that you wait to capture a payment until after the order is fulfilled. If you use this workflow, then the customer receives their payment link close to when they receive their order, and the 14 days that they have to pay closely match the 14 days they have to decide to keep the order. In addition to manual payment capture, clearly communicating your shipping timelines can be a valuable tool to make sure buyers are aware of any possible issues that might not perfectly align with this method of payment.
You can change the way that you capture payments in your payment settings. Selecting manual capture applies to all payments, not just those from Klarna. If you don't capture a payment within 28 days of an order, then the payment expires and becomes void.
Klarna Pay Later customer experience
After the customer selects Klarna Pay Later, they're redirected to Klarna's website to choose when to pay for their order.
If a customer accidentally transfers the remaining balance directly to you instead of Klarna, then you must cancel and refund the order. Then, replace the order with a duplicate draft order marked as paid (as the full amount has already been paid to you by the customer) and archive the order. This lets Klarna to receive a refund and cancel their own invoice. It also ensures that your sales stats and inventory are returned to the correct figures.
If you don't follow this process, then Klarna continues to pursue the customer for the missing funds. Your customer is charged an additional fee if they choose a longer period of time to pay for their order.
Klarna Pay Now
Klarna Pay Now lets customers pay for their order using their online banking details. Klarna Pay Now connects with the customer’s bank account and the funds are immediately debited from their bank account. You receive the funds on your next payout.
Regions that can receive payments using Klarna Pay Now
Klarna Pay Now is available only to merchants in Austria and Germany who sell in euros, and to merchants in Sweden who sell in Swedish krona or euros.
Capture payments manually with Klarna Pay Now
You can manually capture your authorized Klarna Pay Now payments. If you have configured your settings to capture funds manually, then you don't automatically receive money from orders paid for with Klarna Pay Now. 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.
Klarna Pay Now customer experience
After the customer selects Klarna Pay Now, they're redirected to Klarna's website to pay for their order. The Klarna website prompts your customer to sign up with their credentials if they are using this payment option for the first time, or sign in to their account and use their linked bank account to pay for the order.
Klarna Slice It
With Klarna Slice It you can offer your customers the ability to pay with financing. Customers pay the amount due in installments over 6 to 36 months, with or without interest. Klarna Slice It covers all fraud and financial risks that arise when offering your customers the option to pay over time.
Regions that can receive payments using Klarna Slice It
Klarna Slice It is available only to merchants in Sweden who sell in Swedish krona or euros.
Capture payments manually with Klarna Slice It
You can manually capture your authorized Klarna Slice It payments. If you have configured your settings to capture funds manually, then you don't automatically receive money from orders paid for with Klarna Slice It. 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.
Klarna Slice It customer experience
After the customer selects Klarna Slice It, they're redirected to Klarna's website to choose what installments they want to use to pay for their order.
A credit check is completed to assess whether your customer is eligible for financing and what their available monthly installments options are. The actual payments are captured at a later time. The payments are made in the Klarna app or customer portal through another payment method such as a credit card. Your customers can also choose to link a bank account to their Klarna account.
Some additional fees might apply for your customer if they choose Klarna Slice It. To find out more about the additional fees visit Klarna’s website.