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Klarna Fair Financing

Founded in 2005, Klarna is the leading global payments and shopping service, providing flexible shopping and purchase experiences to 90 million active consumers across over 250,000 merchants in 17 countries. Considered one of the market leaders in buy now, pay later services in Europe, Klarna offers three payment methods: Fair Financing, PayNow, Pay in 30 Days. Consumers select the Klarna payment option they prefer based on availability by country and merchant, and complete a Klarna credit application for an instant decision.

Klarna Fair Financing
Type Installments
Currencies EUR, NOK, SEK

Want to integrate Klarna Fair Financing onto your platform?

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Why Klarna Fair Financing

With a powerful brand across Europe, Klarna claims a 10% e-commerce market share in northern Europe.

Klarna claims 30% of consumers would have abandoned their cart if the Klarna Financing option had not been available as a payment method.

Klarna reports a 58% boost in average order value for retailers that offer Klarna. Merchants are paid upfront regardless of the consumer’s payment schedule, or if a consumer defaults on payment.



Merchant Global


Consumer EUR, NOK, SEK
Processing EUR, NOK, SEK
Settlement EUR, NOK, SEK


Recurring payments
One-click payments
Partial refunds
Multiple partial refunds
Payment assurance
Chargeback risk

How it works


At online checkout, the consumer selects Klarna as their preferred payment method

Payment method

The consumer redirects to a Klarna HPP and chooses their preferred Klarna nancing plan

Payment method

The consumer enters the required personal details and conrms the transaction


The merchant and consumer are notied of the successful transaction; the consumer pays Klarna according to nancing terms

Want to integrate Klarna Fair Financing onto your platform?

Get in touch