Klarna
Klarna: A broad omnichannel BNPL option with contract-based pricing and country-dependent availability. Ranked #1 of 26 in Buy Now, Pay Later Platforms by our editors (9.4/10); pricing: Pricing on request; best for global omnichannel merchants.
At a glance
- Editor score9.4 / 10
- PricingPricing on request
- Best forGlobal omnichannel merchants
- Checkout channelsOmnichannel
- Founded2005
- Facts checked19 Sep 2026
Where it wins
- Supports online, mobile-app, and in-store payment acceptance
- Offers pay-now, pay-later, installment, and financing options
- Provides API, platform integrations, settlement, and dispute tools
Where it doesn't
- Merchant pricing is contract-based rather than publicly listed
- Payment methods and consumer eligibility vary by country
- Settlement timing is defined by the merchant agreement
Our verdict on Klarna
Klarna provides payment and buy-now-pay-later services for ecommerce, mobile applications, and physical stores. It is designed for merchants that want to offer pay-now, pay-later, pay-in-parts, and financing options across multiple checkout channels. Customers may see Pay later up to 30 days, Pay in 3 or 4 installments, or financing over 6–24 months where available. Klarna supports merchants in regions including Australia, Canada, France, Germany, the United Kingdom, and the United States, among others.
Pricing is sales-led and contract-based, with terms varying by market, payment program, channel, and agreement. Merchants can connect through direct APIs, payment providers, and integrations for Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce, Mollie, and Global-e. The platform also supports online checkout, mobile apps, in-store QR-code payments, payment links, localized payment messaging, express checkout, and Sign in with Klarna. This makes it a fit for businesses operating across several commerce environments rather than only one storefront platform.
Merchant operations extend beyond checkout. Merchant Portal covers orders, payouts, bank details, and disputes, while settlement reports are available through the portal, API, or SFTP. Scheduled settlement is supported, with timing defined by the merchant agreement. Payment availability, pricing, and consumer eligibility vary by country, so merchants with a tightly standardized regional model may prefer a provider with simpler market coverage or more predictable public pricing. Klarna suits global omnichannel merchants that need multiple payment journeys and operational reporting in one arrangement.
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Klarna pricing
Klarna fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| Checkout channels | Omnichannel |
| Repayment terms | Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where available |
| Merchant platforms | Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce |
| Merchant settlement | Scheduled |
| Consumer regions | Australia, Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Spain, Sweden, Switzerland, United Kingdom, United States |
| Merchant dashboard | Yes |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Integrations | 6 integrations: Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce, Mollie, Global-e |
| Pricing | Pricing on request (source) |
| Website | klarna.com |
| Facts checked | 19 Sep 2026 |
Klarna integrations
Klarna lists 6 integrations on its own site.
- Shopify
- Adobe Commerce
- Salesforce Commerce
- WooCommerce
- Mollie
- Global-e
Alternatives to Klarna
- AffirmA flexible BNPL option for merchants needing online, in-store, and longer-term financing.9.3
- AfterpayAn omnichannel BNPL platform with flexible repayment terms and merchant reporting.9.2
- ZipAn omnichannel BNPL platform for merchants needing flexible repayments and settlement tools.9.1
Klarna vs the competition
Compare Klarna with any tool side by side →
Also Ranked In
Klarna is ranked in 2 of our directories.
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Featured on iTechGuides
Klarna is listed in our Buy Now, Pay Later Platforms directory. Add the badge to your site — it links back to this page.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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