How do I activate Klarna as a payment method?

You can add Klarna payment methods in your Mollie Dashboard. When the payment method is activated, you can link it to your website with our Orders API. With Klarna, your customer can make a deferred payment or make a payment in instalments. 


What you need to know in advance

You must comply with Klarna’s terms and conditions to offer it as a payment method to your customers. You must be able to:

  • Provide Klarna with proof of shipment.
  • Reply within 24 hours if Klarna contacts you.


Klarna products we offer

Klarna: Pay later

If your customer pays with Pay Later, they can choose to pay for their purchase within 30 days of it being shipped. For an additional fee, your customer can extend this to 60 days.

Pay Later is available for customers residing in these countries:

  • The Netherlands (Achteraf betalen)
  • Belgium (Betalen binnen 21 dagen; Paiement dans 21 jours)
  • Germany (Rechnung)
  • Austria (Rechnung)
  • Finland (Maksa myöhemmin)
  • France (Payer en 3 fois sans frais)
  • Sweden (Få först. Betala sen.)
  • Denmark (Køb nu. Betal senere.)
  • Norway (Få først. Betal senere.) 


Klarna: Slice it

Slice it allows your customers to pay in 3 to 36 instalments. Klarna does a credit check to see if your customer is eligible for this payment method. 

Slice it is available for customers residing in these countries:

  • The Netherlands (Betaal in 3 delen)
  • Germany (Ratenkauf)
  • Finland (Pilko se)
  • Austria (Ratenkauf)
  • Sweden (Dela upp.)
  • Norway (Del opp.)
  • Denmark (Betal i 3 dele)
  • Italy (Paga in 3 rate senza interessi)
  • Spain (Paga en 3 cuotas sin interés)
  • Portugal (3 pagamentos sem juros)


Klarna: Pay now

With Pay now, customers can pay for one-off transactions securely and immediately using their own online banking details through bank transfers or direct debit orders. As a merchant, you’re protected against customer non-payment risk and are paid out 5 business days after the order is shipped. 

Pay now is available for customers residing in these countries:

  • The Netherlands (Betaal nu)
  • Germany (Pay now)
  • Austria (Pay now)
  • *Belgium (Betaal nu)
  • *Finland (Verkkopankki- ja korttimaksu)
  • Sweden (Banköverföring)
  • Italy (Paga ora)
  • Spain (Paga ahora)

* Pay now via direct debit is not available for these countries.


Klarna: Pay in 3

Klarna: Pay in 3 is available for customers residing in the Netherlands, France, Denmark, Italy, Portugal and Spain.

With Klarna: Pay in 3 customers can pay securely and immediately using their VISA or Mastercard Credit/Debit Card or Direct Debit over 3 interest free instalments. As a merchant, you are protected against customer non-payment risk and are paid out 5 business days after you mark the order as shipped. Thanks to the real-time transaction confirmation that you’ll receive, you can dispatch the goods to your customers immediately and reap the rewards of payout guarantees.


Klarna UK

For our merchants with consumers in the UK we offer One Klarna and Klarna Financing. One Klarna is a combination of all the Klarna products (Pay later, Slice it, Pay in 3, Pay now) you are unable to pick and select a combination of these products.

Klarna Financing: Financing allows you to spread the payments of your sale over up to 24 months. Let your customers finance their purchases and spread the cost over time. This Klarna product is not available for all merchants and needs to be enabled separately.

Activate Klarna Financing: In order to be able to offer Klarna Financing you need to have a UK Credit Broker License and be registered at the UK government as such. 
If you have a Credit Broker License, please email a copy of this, combined with your org ID and a request to enable Klarna Financing via our contact form.

We will handle your request in the short term and get back to you when the product is enabled.


Activating Klarna

You can activate Klarna payment methods in your Mollie Dashboard. You need to use our Orders API and a supported plugin or module to integrate Klarna on your website. 

  1. In your Mollie Dashboard, click on your organisation name in the top left corner.
  2. Go to Organisation settings > Payment methods.
  3. Select Klarna: Pay later, Klarna: Slice it, Klarna: Pay in 3, Klarna: Pay now and/or Klarna UK

We’ll review your request and make a decision within 7 business days. We’ll send you an email if we’ve activated Klarna for your account.


Creating an account for the Klarna Merchant portal

When you're approved to offer Klarna as a payment method, you’ll receive an email from Klarna to set up your Merchant portal account within 7 days. Check your spam folder if you can’t find it in your inbox. You can use the portal to manage your Klarna disputes.

If your activation link to the portal has expired, contact us to request a new activation email.


Changing checkout display name

By default, your customer will see Klarna listed in English during the checkout process. If you want to display the localised name of the payment method, update your locale in the Methods API by adding the translated name to your database or plugin configuration. You can find the name of each Klarna product in different languages above.


Good to know

You can find Klarna's Terms and Conditions on their website: The Netherlands | Germany | Belgium | France | Austria  | Finland.


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