The Finance Base / Buy now, pay later apps / Klarna
klarna.com
Klarna
Klarna lets shoppers choose a payment method at checkout, and gives merchants options for accepting payments on the web, in apps, and in person. Depending on the option, customers can pay now, pay later, or split a purchase into installments; the US options also include Pay in 30 days, full…
Visit klarna.com ↗ What it costs
- 8.7 No. 6on Buy now, pay later apps
- Free plan · Pricing on requestprice, as published
- Oct 8, 2026read on
What Klarna costs
- Klarna Premium membership $19.99 / month
- Klarna Max membership $44.99 / month
- Klarna Core membership $4.99 / month
- Klarna Plus membership $9.99 / month
As investors.klarna.com publishes them, read Oct 8, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 27
Strengths and limits
Strengths
- Offers pay-now, pay-later, and installment choices
- App includes payment management and delivery tracking
- Merchants can accept payments in person and online
- Recurring and one-time payments are supported
Limits
- US Pay in 4 is unavailable in Hawaii
- Late fees may reach $7.00
- Each purchase attempt requires a new approval decision
- WooCommerce supports only full capture
Facts we read
- API securityKlarna API endpoints support HTTPS using TLS 1.2. · docs.klarna.com, Oct 8, 2026
- App platformsKlarna lists the app as available on the App Store and Google Play. · klarna.com, Oct 8, 2026
- CashbackKlarna says shoppers can earn up to 12% cashback at participating stores in its app and redeem it to a Klarna balance or, with a membership, for airline and hotel points. · klarna.com, Oct 7, 2026
- Customer eligibilityThe US Pay in 4 page says users must be US residents or eligible territory residents, at least 18 or the legal age in their state, and have a valid card or bank account and the ability to receive security verification codes by text. · klarna.com, Oct 7, 2026
- Customer supportKlarna’s US customer service page offers assistance through sign-in chat for purchases and accounts. · klarna.com, Oct 8, 2026
- Eligibility limitKlarna says each purchase attempt receives a new automated approval decision based on current credit data, and prequalification is not a guarantee of approval. · klarna.com, Oct 8, 2026
- Founded2005 · klarna.com, Sep 23, 2026
- Free appKlarna says its app is free to download and use. · klarna.com, Oct 8, 2026
- Geographic limitThe US Pay in 4 page says the service is unavailable in Hawaii, US territories other than Puerto Rico, and for customers with APO/FPO/DPO addresses. · klarna.com, Oct 7, 2026
- IntegrationsKlarna Payments supports integrations including Shopify, Adobe Commerce, Salesforce Commerce, and WooCommerce. · docs.klarna.com, Oct 8, 2026
- Late payment limitThe US Pay in 4 page says a late fee may be up to $7.00 and aggregate late fees will not exceed 25% of the order value at purchase. · klarna.com, Oct 7, 2026
- Merchant channelsMerchants can accept Klarna payments on the web, in apps, and in person, including through direct API integration or plugins for platforms such as Shopify, Adobe Commerce, and Salesforce Commerce. · docs.klarna.com, Oct 7, 2026
- Merchant featuresKlarna Docs describes on-site messaging, express checkout, dynamic checkout presentation, and tools for sharing transaction details through APIs. · docs.klarna.com, Oct 7, 2026
- Other payment optionsThe US page also describes Pay in 30 days, paying in full, and monthly financing with 6–24 month options. · klarna.com, Oct 7, 2026
On these lists
Use instead
Verdict
Klarna combines consumer payment options with merchant integrations and checkout tools. Check regional eligibility, the applicable membership or payment terms, and integration limits before choosing it.
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