Does Klarna charge my customers interest?

Pay in 3 or 4 is interest-free, though Klarna may sometimes ask for a larger first payment. Financing over a longer term, up to 36 months, might include interest and depends on the shopper's creditworthiness.

When do I get paid for a Klarna order?

Stripe makes the full amount minus fees available to you upfront, on your standard payout timing, no matter which Klarna option the shopper chose. Klarna collects the installments from the shopper.

Why is Klarna missing from my PlatformDTC checkout for some orders?

Klarna is hidden on subscription carts, when the shopper's country isn't supported, when the order isn't in the shopper's local currency, when the total is outside the range for that currency, or when your store and the shopper are in different countries outside the EEA, UK and Switzerland.

Buy now, pay later · Payment methods

Klarna for online stores: how it works and who can use it

Checked October 31, 2026

Klarna is a buy now, pay later provider. At checkout the shopper is sent to Klarna, which offers options such as pay in full, pay in 30 days, pay in 3 or 4 interest-free parts, or financing for up to 36 months, depending on country, currency and amount. Through Stripe the store receives the whole order amount minus fees, and Klarna collects the installments. If the shopper can't repay, Klarna takes the loss. Refunds are possible up to 180 days after payment.

Type: Buy now, pay later; the shopper is redirected to Klarna
Shopper countries (Stripe): Australia, Austria, Belgium, Canada, Czechia, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Spain, Sweden, Switzerland, UK, US
Currencies: AUD, CAD, CHF, CZK, DKK, EUR, GBP, NOK, NZD, PLN, RON, SEK, USD, always the shopper's local currency
Who carries the risk: Klarna; the store gets the full amount minus fees upfront
Refunds: Full and partial, up to 180 days after payment; usually 5 to 7 business days to reach the shopper
Disputes: Yes, handled in Stripe; a payment in dispute can't be refunded
Recurring payments: Supported by Stripe for some subscription cases, with fewer plan options

What PlatformDTC does

PlatformDTC checkout offers Klarna, switched on by default for stores on PlatformDTC Payments, as its own payment row and in the express row when eligible. Shoppers in Klarna's 23 countries pay in their own currency on one-time orders, for example $1 to $10,000 in the US, £1 to £4,000 in the UK and €1 to €10,000 in Germany. Above an option's limit Klarna shows the shopper only the options that fit, such as financing. Subscriptions: no.

How a shopper pays with Klarna

The shopper picks Klarna, is sent to Klarna's site or app, chooses a payment option and comes back to the store to finish the order. Klarna decides which options to show, based on the shopper's country, currency, order amount and whether the purchase is a one-time payment or a subscription. Pay in 3 or 4 is interest-free; financing can carry interest and depends on the shopper's credit.

In the US, Klarna supports Puerto Rico but no other US territories. Pay later is not offered in Montana, New Mexico or Hawaii, and Pay in 4 is not offered in New Mexico or Hawaii.

Option	United States	United Kingdom	Germany
Pay in full	$0 to $4,000	£0 to £4,000	€0 to €10,000
Pay later (30 days)	$5 to $1,000	£1 to £1,500	€0.10 to €10,000
Pay in 3 or 4	Pay in 4: $1 to $2,000	Pay in 3: £1 to £2,000	Pay in 3: €1 to €5,000
Financing (up to 36 months)	$45 to $10,000	£250 to £5,000	€25 to €10,000

Klarna options and order limits in three large markets, as listed by Stripe

What it means for your store: payouts, refunds, disputes

Stripe pays the full order amount, minus fees, into your balance on your normal payout schedule, whatever plan the shopper picked. Klarna's own business page says merchants are paid upfront and in full and that Klarna assumes the credit and fraud risk.

You can refund for 180 days, in full or in parts. Klarna cancels the payments the shopper still owes and returns what they already paid. A partial refund smaller than the remaining balance is spread across the remaining payments. Once a payment turns into a dispute, you answer it in Stripe instead of refunding.

Who can accept Klarna

Stripe accounts in Austria, Australia, Belgium, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, the UK and the US can accept Klarna. Klarna does not support business-to-business sales.

A business in the European Economic Area, the UK or Switzerland can sell to shoppers anywhere in that group, in the shopper's currency. A business anywhere else can only sell to shoppers in its own country, in its own currency.

Frequently asked questions

Does Klarna charge my customers interest?: Pay in 3 or 4 is interest-free, though Klarna may sometimes ask for a larger first payment. Financing over a longer term, up to 36 months, might include interest and depends on the shopper's creditworthiness.
When do I get paid for a Klarna order?: Stripe makes the full amount minus fees available to you upfront, on your standard payout timing, no matter which Klarna option the shopper chose. Klarna collects the installments from the shopper.
Why is Klarna missing from my PlatformDTC checkout for some orders?: Klarna is hidden on subscription carts, when the shopper's country isn't supported, when the order isn't in the shopper's local currency, when the total is outside the range for that currency, or when your store and the shopper are in different countries outside the EEA, UK and Switzerland.

Sources

Klarna payments — Stripe
Klarna for business — Klarna