Klarna

klarna logo smaller

Gain access to shoppers on Klarna

Klarna is a popular Buy Now Pay Later payment method available in more than 20 countries . With Klarna, the shopper can choose to:

Pay now: Pay the whole amount instantly by card, direct debit, or other funding sources.
Pay later: Pay after the goods have been delivered, e.g., in 30 days.
Pay in parts: Pay in several (3 or 4) installments over time.
Financing: Term loans provided by Klarna.

Before approving the payment, Klarna performs risk checks on the shopper.

Payment method properties

Features	Klarna
Payment type	Buy Now Pay Later
Available for businesses registered in	AU, HK, SG, EU, UK, US
Activation time for onboarding	2-7 business days
Shopper regions (typically used by payers from)	AT, BE, FI, FR, DE, GR, IE, IT, NL, PT, ES, DK, NO, PL, SE, CH, GB, CZ, US
Processing currencies	Dependent on the shopper region: AT, BE, FI, FR, DE, GR, IE, IT, NL, PT, ES: EUR DK: DKK NO: NOK PL: PLN SE: SEK CH: CHF GB: GBP CZ: CZK US: USD
Settlement currencies	Payments will be settled like-for-like, or in your default settlement currency if your account does not support settling the processing currency.
Settlement schedule	8 business days from payment capture
Session timeout	30 min
Recurring Payment	✅
Refunds	✅ within 180 days
Partial Refunds	✅ within 180 days
Disputes (chargebacks)	✅ within 180 days
Placing a hold (delayed/manual capture)	✅ up to 28 days
Descriptor (what the payer will see in their transaction history)	Your registered business name

Choose the integration method that best suits your needs

Airwallex has built a range of integration methods that allow you to choose the one best suited for your business. Get started with minimal integration effort or customize the payment flow to your needs.

Capture Klarna payments

After you ship the goods and services to your customers, you must manually capture Klarna payments within 28 days after authorization. You can do this through Webapp or API call. If the manual capture is not performed within 28 days, the authorization will expire.

If you are using Shopify plugin, manual capture is configured on Shopify store level that will apply to Klarna and all other payment methods.

klarna capture

Utilize Klarna On-Site Messaging (OSM)

OSM is a customized promotional information tool. After integrating Klarna OSM into your website or mobile app, shoppers can find Klarna's flexible payment options at checkout. OSM is a great way to inform shoppers about these payment benefits in advance.

To enable OSM on your website or mobile app, if you are a Shopify merchant, the Klarna OSM app is available on the Shopify App Store . Contact your Airwallex sales support for your merchant id, and connect it to your Shopify app. klarna osm shopify app

If you are an API merchant, please contact your Airwallex sales support to access your installation snippet. Add the snippet in your website's source code, preferably right after the opening tag.

Insert placement code snippets where you want the messaging to appear. You can find all placement code snippets and their styles via Klarna Docs - Placements . Optionally, you can customize OSM placement styles following Klarna’s instructions: Klarna Docs - Customize placements with CSS .

On this page

Gain access to shoppers on Klarna

Payment method properties
Choose the integration method that best suits your needs
Capture Klarna payments
Utilize Klarna On-Site Messaging (OSM)