With Klarna, your customer can make a deferred payment or make a payment in instalments. The benefit of using Klarna, is that they carry all the risks concerning payments and possible fraud. You, as a merchant, will always receive your money. Link Klarna to your Mollie account by installing the Orders API.
We support the following Klarna products:
Klarna: Pay later
Klarna: Pay later is available for customers residing in The Netherlands, Austria, Germany, Belgium, Finland and France.
After you’ve shipped the goods, your customers need to settle their invoice within 30 days. Pay later has a different name in these countries:
- The Netherlands (Achteraf betalen)
- Belgium (Betalen binnen 30 dagen; Paiement dans 30 jours)
- Germany (Rechnung)
- Austria (Rechnung)
- Finland (Maksa myöhemmin)
- France (Payer en 3 fois sans frais)
- If you have a French webshop, Pay later (Payer en 3 fois sans frais) allows payments in 3 to 36 instalments.
Klarna: Slice it
Klarna: Slice it is available for customers residing in Germany, Austria, and Finland.
With Slice it, your customer can pay in 3 to 36 instalments. Klarna does a credit check to see if your customer is eligible for this payment method. Slice it has a different name in these countries:
- The Netherlands (Klarna: Betaal in 3 delen)
- Germany (Ratenkauf)
- Finland (Pilko se)
- Austria (Ratenkauf)
Klarna: Pay now
Klarna: Pay now is available for customers residing in Germany, Austria, The Netherlands, Finland, and Belgium. In Finland and Belgium, Pay now via direct debit is not available.
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 are protected against customer non-payment risk and are paid out 5 business days after the order is shipped. Pay now has a different name in these countries:
- The Netherlands (Betaal nu)
- Belgium (Betaal nu)
- Finland (Verkkopankki- ja korttimaksu)
Klarna: Pay in 3
Klarna: Pay in 3 is available for customers residing in The Netherlands and France.
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.
Activating and installing Klarna
You need to make a request for us to activate the Klarna payment methods on your account.
- Go to your Mollie Dashboard.
- Go to Settings > Website profiles > Payment methods.
- Select Klarna: Pay Later, Klarna: Slice it, Klarna: Pay in 3 and/or Klarna: Pay Now.
We will review your account and approve the request within 5-7 business days. If we require more information, we will send you an email.
Once your request is approved, you must use our Orders API to process Klarna orders through your website. You also need to install one of our supported plugins and modules or build a custom integration into your backend.
Visible payment method name during checkout
When you link the payment method to your account, you’ll see the English name: Pay later, Slice it or Pay now. If you want to display the translated name to your customers during checkout:
- Pass Locale in the Methods API.
- Add the translated name to your database or plugin configuration. You can find the name of the Klarna products in different languages above.
Payment risks and fraud
Klarna takes responsibility for all payment risks and possible fraud. This means that you always get your money from Mollie. Just like you’re used to. However, Klarna has the following conditions:
- You must show Klarna proof of shipment.
- You must answer in 24 hours if Klarna contacts you.
You can only handle your Klarna disputes in the Klarna Merchant Portal, this cannot be done in your Mollie Dashboard, so make sure to activate the Klarna Merchant Portal. This is where Klarna communicates with you, and allows you to handle disputes before they turn into chargebacks.
Good to know
- Klarna is supported by several plugins.
- You can find Klarna's Terms and Conditions on their website: The Netherlands | Germany | Belgium | France | Austria | Finland.