Klarna Pay in 3 / Pay later fees in Netherlands

Klarna · Online

Instalment checkout. The merchant carries the credit risk cost in the rate, which is why BNPL prices well above card acquiring, merchants accept it for the conversion and basket-size lift.

Buy now, pay laterPersonal & business

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Current rate: 3.29% + €0.26; In force since 7 Mar 2025Estimate
Cost on €100.00: €3.55; 3.55% effective
Since last change: −0.23 pp; −6.5% relative

Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Klarna published merchant pricing.

Rate history in Netherlands

Rates are step functions: each level holds until it is replaced.

Klarna Pay in 3 / Pay later in other markets

Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.

Revisions recorded

4

Since 1 Jan 2019