Klarna

Global payments and shopping platform offering flexible payment options for e-commerce and retail. Shoppers can pay in full at checkout, pay within 30 days, split into interest-free installments, or finance larger purchases over time. Merchants get paid upfront while Klarna assumes credit and fraud risk.

Trusted by over 118 million shoppers and 966,000 retail partners worldwide, with brands like Nike, Samsung, Apple, and Fender. Stands out from traditional payment processors with buy-now-pay-later flexibility and express checkout that completes purchases up to five times faster than standard flows. Integrates via direct API or through payment partners including Stripe, Adyen, Mollie, and Checkout.com, plus platform connectors for Shopify, Adobe Commerce, and PrestaShop.

Key features:

• Pay in full, pay in 30 days, pay in 3 or 4 installments, and financing options
• Direct REST API and SDK support for custom integrations
• On-site messaging and dynamic checkout presentation to optimize conversion
• Sign-in with Klarna for returning shoppers with stored preferences
• Global coverage with local payment methods and compliance

E-commerce teams use Klarna to increase average order value and conversion through flexible payment options, reduce checkout friction with express checkout, and reach shoppers through Klarna’s app and media ecosystem. Developers integrate via REST APIs, official documentation at developers.klarna.com, and ready-made plugins for major platforms.