> ## Documentation Index
> Fetch the complete documentation index at: https://storekit.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Klarna

> Enable Klarna buy now, pay later in storekit including Pay in 3 instalments and Pay in 30 days. Drive larger basket sizes and improve checkout conversion rates.

Klarna allows your customers to buy now and pay later, spreading the cost over instalments. This can help drive larger purchases and improve conversion rates.

<Frame>
  <img src="https://checkoutshopper-live.adyen.com/checkoutshopper/images/logos/klarna.svg" alt="Klarna" width="120" />
</Frame>

## How It Works

When Klarna is enabled, customers see it as a payment option at checkout. They can choose to:

* **Pay in 3** - Split the cost into 3 interest-free instalments
* **Pay in 30 days** - Delay payment for up to 30 days
* **Financing** - Spread payments over a longer period (availability varies by region)

Klarna handles the credit check and approval instantly during checkout.

## Benefits for Your Business

| Benefit                 | Description                                                                                           |
| ----------------------- | ----------------------------------------------------------------------------------------------------- |
| **No credit risk**      | Klarna takes on all credit risk. You get paid upfront regardless of missed or late customer payments. |
| **Same payout timing**  | Klarna orders are paid out on the same schedule as card payments.                                     |
| **Drive larger orders** | Customers are more likely to add items when they can spread the cost.                                 |
| **No setup fee**        | There's no cost to enable Klarna on your store.                                                       |

## Pricing

Klarna transactions are charged at **3.9% + 20p** per transaction.

<Note>
  This rate may vary based on your agreement. Contact your account manager for details.
</Note>

## Availability

Klarna is available in the following regions:

| Region         | Currencies              |
| -------------- | ----------------------- |
| United Kingdom | GBP                     |
| Europe         | EUR, SEK, NOK, DKK, CHF |
| United States  | USD                     |
| Australia      | AUD                     |

## Enabling Klarna

To activate Klarna on your store:

1. [Contact support](/getting-started/contact-support) or reach out to your account manager
2. Our team will enable Klarna for your account
3. Klarna will automatically appear as a payment option at checkout

## Customer Experience

At checkout, customers who select Klarna are redirected to complete their payment:

1. Customer selects Klarna at checkout
2. Klarna performs an instant credit check
3. If approved, customer confirms payment terms
4. Order is placed and you receive payment

<Info>
  Klarna approval is instant in most cases. If a customer isn't approved, they can still complete their order using another payment method.
</Info>

## Learn More

Visit [Klarna for Business](https://www.klarna.com/uk/business/) to learn more about how Klarna can help grow your business.