Flexible payment solutions enabling shoppers to split purchases into interest-free installments or pay later, enhancing checkout conversion for merchants
Klarna is one of the best Buy Now Pay Later solutions available in 2025, offering flexible payment options including pay in 4 installments, pay in 30 days, and extended payment plans. With over 100 million users worldwide, Klarna provides seamless checkout experiences and buyer protection. Merchants benefit from increased conversion rates while shoppers enjoy interest-free payment flexibility, making it a top choice for both online retailers and consumers.
Setting up Klarna payments on your e-commerce store involves creating a merchant account on Klarna's enterprise platform, integrating their payment gateway through your shopping cart provider, and configuring your payment options. Klarna offers easy integration with major e-commerce platforms like Shopify, WooCommerce, and BigCommerce. Once configured, shoppers will see the Klarna payment option at checkout, allowing them to choose their preferred payment method.
Klarna offers multiple payment methods including Pay in 4 (split into 4 interest-free payments), Pay in 30 days, Pay in 3/6/12 month installments, and the Klarna Card which can be used anywhere Visa is accepted. Shoppers can also use Klarna through the mobile app, Apple Pay integration, and enjoy features like cashback rewards and exclusive deals at participating retailers.
Klarna helps reduce cart abandonment by offering flexible payment options that remove financial barriers to purchase. Shoppers can split larger purchases into manageable installments, pay later, or use Klarna's smooth checkout process. The ability to pay over time increases purchase confidence and reduces the immediate financial burden, leading to higher conversion rates and completed transactions for merchants.
Klarna merchant fees vary based on business volume, payment method selected, and regional factors. Fees typically include a percentage per transaction plus potential fixed costs. Klarna offers transparent pricing with no monthly fees for basic services. For detailed pricing information, merchants should contact Klarna's sales team as fees are customized based on business needs and transaction volume.
