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Accept Klarna payments
Last updated: June 18, 2026
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Accept Klarna payments
Klarna is a global technology company that provides a unified platform for payments, checkout, and post-purchase experiences. Through PayPal's integration, merchants can offer Klarna's payment options (Pay in full, Pay in 30 days, Pay in 3 or 4 installments, and financing) with guaranteed upfront settlement and a streamlined checkout. Merchants get paid upfront, and shoppers choose how they want to pay.
| Countries | Payment type | Payment flow | Settlement currency | Minimum amount | Refunds |
|---|---|---|---|---|---|
| See Supported countries | Pay in full, Pay in 30 days, Pay in 3/4, Fair Financing | Deferred payment | Local currency (same as presentment) | Varies by market and payment option. See Payment amount limits . | Yes, full or partial refunds up to 365 days |
Key features
- Guaranteed settlement : Receive upfront payment with no risk while buyers enjoy flexible payment timelines, protecting your business from payment defaults.
- Flexible payment options : Boost conversion rates by offering Klarna's full range of payment options: Pay in full, Pay in 30 days, Pay in 3, Pay in 4, and Financing. Availability varies by market.
- Global scale : Klarna's network reaches 118 million shoppers across 26 markets. Offering Klarna gives merchants a familiar payment option that shoppers already know and use.
- Streamlined checkout : Reduce cart abandonment with pre-filled buyer details and preferred payment options that minimize friction.
- Simplify integration : Start accepting payments quickly with minimal development effort through PayPal's unified payment platform and streamlined onboarding process.
How it works
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Buyer: Selects Klarna at the merchant's checkout page.
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Merchant | Partner: Creates an order using PayPal's Orders v2 API with Klarna as the payment source.
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PayPal: Sends order ID and
payer-actionlink. -
Merchant | Partner: Redirects the buyer to the
payer-actionlink. -
Buyer:
1. Authenticates with Klarna
2. Approves transaction
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PayPal: Redirects buyer to merchant's
return_urlafter approval. -
Merchant | Partner: Completes the payment:
1. Automatic flow: Captures the authorized payment
2. Manual flow: Authorizes first, then captures
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PayPal: Settles funds to merchant's PayPal account.
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Merchant | Partner: Fulfills order and notifies buyer.
Eligibility
- Account type : Verified PayPal Business account required.
- Geographic availability : Available to merchants in Europe & North America. For more information, see Supported countries .
- Legal compliance : Must meet regional legal and privacy requirements. See Legal and privacy requirements .
Payment Options Overview
Klarna offers four flexible payment methods:
- Pay in 30 Days— Customers pay up to 30 days after purchase.
- Pay in N (3 or 4)— Customers split the cost into 3 or 4 interest-free payments.
- Financing- Customers spread the cost over monthly installments.
- Pay in Full- Customers pay the total upfront by card.