Shipping a product before your customer paid the price may seem a little risky. However, with Klarna your risks are limited and they will always make sure you get your money.


Your customers can pay later, but as a merchant you will be paid out within a maximum of 5 working days after the order is shipped. Klarna assumes the fraud and financial risks you will face as a merchant when sending out your goods before receiving the money from your customer. To be eligible for this transfer of risk, there are a few conditions you need to meet. The most important ones are:

  • Providing Klarna with tracking and proof of delivery for the order;
  • Reply to Klarna within 24 hours when they contact you about a potential risk.


For more information, please read the fraud policy provided by Klarna. The policies are specified per country of residence of your customer: