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Klarna · Launched 2005
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.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Klarna published merchant pricing.Official site ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Online pricing across every country where this method is available, with the cost on a DKK 100.00 payment for comparison.
| 3.29% + CA$0.42 |
| CA$3.71 |
| 3.71% |
| 25 Jul 2025 |
| Estimate |
| Denmark | 3.29% + DKK 1.95 | DKK 5.24 | 5.24% | 25 Jan 2022 | Estimate |
 France | 3.29% + €0.26 | €3.55 | 3.55% | 19 Dec 2024 | Estimate |
 Germany | 3.29% + €0.26 | €3.55 | 3.55% | 6 Mar 2025 | Estimate |
 Ireland | 3.29% + €0.26 | €3.55 | 3.55% | 14 Jan 2024 | Estimate |
 Italy | 3.29% + €0.26 | €3.55 | 3.55% | 2 Oct 2024 | Estimate |
 Netherlands | 3.29% + €0.26 | €3.55 | 3.55% | 7 Mar 2025 | Estimate |
 New Zealand | 3.29% + NZ$0.52 | NZ$3.81 | 3.81% | 25 Oct 2023 | Estimate |
 Norway | 3.29% + NOK 2.82 | NOK 6.11 | 6.11% | 24 Nov 2021 | Estimate |
 Poland | 3.29% + PLN 1.14 | PLN 4.43 | 4.43% | 3 Dec 2021 | Estimate |
 Spain | 3.29% + €0.26 | €3.55 | 3.55% | 16 Feb 2025 | Estimate |
 Sweden | 3.29% + SEK 2.95 | SEK 6.24 | 6.24% | 1 Dec 2023 | Estimate |
 United Kingdom | 3.29% + £0.22 | £3.51 | 3.51% | 9 Mar 2024 | Estimate |
 United States | 3.29% + $0.30 | $3.59 | 3.59% | 28 Jan 2024 | Estimate |
Every recorded change, newest first, with the movement from the rate it replaced.
In Denmark, on the online channel: 3.29% + DKK 1.95, in force since 25 Jan 2022 (estimate). Fees differ by market and channel, and the table above lists each one.
It is priced in 15 markets here: Australia, Canada, Denmark, France, Germany, Ireland, Italy, Netherlands, New Zealand, Norway, and others. A market missing from the list has not been recorded yet, which does not mean Klarna Pay in 3 / Pay later is unavailable there.
It is recorded as 2-3 days. Actual timing can depend on cut-off times and on the receiving account.
Yes. It has a chargeback process, so a buyer can dispute a payment through their provider. For a business, that protection comes with dispute fees.
Yes. It is a payment method businesses accept, and the fees shown are what a merchant pays to be paid through it.
Australia
Canada