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Swedish buy-now-pay-later provider with pay-in-3 and pay-later products.
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.
Priced in 15 markets · Headline rate 3.29% · 2-3 days · Personal & business
| Market | Listed fee | Channel | Status | In force since | Details |
|---|---|---|---|---|---|
 Australia | 3.29% + A$0.42 | Online | Estimate | View | |
 Canada | 3.29% + CA$0.42 | Online | Estimate | View | |
 Denmark | 3.29% + DKK 1.95 | Online | Estimate | View | |
 France | 3.29% + €0.26 | Online | Estimate | View | |
 Germany | 3.29% + €0.26 | Online | Estimate | View | |
 Ireland | 3.29% + €0.26 | Online | Estimate | View |
Real-time bank transfer at checkout, formerly Sofortüberweisung, strongest in German-speaking Europe.
Priced in 5 markets · Headline rate 0.90% · Next day · Business
It depends on the product and the market. Klarna Pay in 3 / Pay later, headline rate 3.29% in 15 markets; Klarna Pay Now (Sofort), headline rate 0.90% in 5 markets. The headline rate is the percentage part only; fixed fees, minimums and caps are listed per market.
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.
Its products here are payment methods businesses accept at checkout.
Its products are priced in 18 markets here. A market missing from the list has not been recorded yet, which does not mean Klarna is absent there.
Each rate shows the date it took effect and whether it is published by Klarna, reported or estimated. The newest change shown took effect on 25 Jul 2025. Check with Klarna before relying on a figure.
Austria
Belgium
Netherlands
Switzerland