# Klarna payments

Allow customers to make flexible payments while getting paid upfront with Klarna.

Klarna is a global payment method that gives customers a range of payment options during checkout. These payment options enable customers to pay for purchases over time.

For information on payment method transaction fees, refer to [pricing details](https://stripe.com/pricing/local-payment-methods#klarna).

Paying with Klarna redirects customers to Klarna’s site, which displays payment options based on factors such as the customer’s currency, transaction amount, and the payment use case. After the customer selects a payment option, Klarna returns them to your site to complete the order. When the payment is accepted, you receive the entire order amount (minus fees) in your Stripe account. Klarna collects the initial payment from your customer and any future installment payments. If the customer can’t repay Klarna, Klarna takes loss liability.

#### Payment method properties

- **Customer locations**

  Australia, Austria, Belgium, Canada, Czechia, Denmark, Finland, France, Greece, Germany, Ireland, Italy, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Spain, Sweden, Switzerland, United Kingdom, and the United States

- **Presentment currency**

  AUD, CAD, CHF, CZK, DKK, EUR, GBP, NOK, NZD, PLN, RON, SEK, or USD

- **Payment confirmation**

  Customer-initiated

- **Payment method family**

  Buy now, pay later

- **Recurring payments support**

  [Yes](https://docs.stripe.com/payments/klarna.md#payment-options)

- **Payout timing**

  Standard payout timing applies

- **Connect support**

  [Yes](https://docs.stripe.com/payments/klarna.md#connect)

- **Dispute support**

  [Yes](https://docs.stripe.com/payments/klarna/disputes.md)

- **Manual capture support**

  Yes

- **Refunds / Partial refunds**

  [Yes / Yes](https://docs.stripe.com/payments/klarna.md#refunds)

#### Business locations

Stripe accounts in the following countries can accept Klarna payments:

- AT
- AU
- BE
- CA
- CH
- CY
- CZ
- DE
- DK
- EE
- ES
- FI
- FR
- GB
- GR
- HR
- IE
- IT
- LT
- LU
- LV
- MT
- NL
- NO
- NZ
- PL
- PT
- RO
- SE
- SI
- SK
- US

#### Product support

- Connect
- Checkout
- Payment Links
- Elements
- Invoicing
- Subscriptions

## Payment flow

Below is a demonstration of the Klarna payment flow from your checkout page:
![](https://docs.stripecdn.com/f470130f4f7c7aedece97118efb5923aae9926ec8eda84048b76e238fadb0864.mp4)
## Get started 

To get started with Klarna:

1. Read the [Klarna rules](https://docs.stripe.com/payments/klarna/compliance.md) to ensure your business is eligible to accept Klarna payments. For example, Klarna doesn’t support B2B payments.

2. Refer to [payment options](https://docs.stripe.com/payments/klarna.md#payment-options) to understand what payment options are available to your customers.

3. If you don’t already have a Stripe integration, create a [Stripe-hosted page](https://docs.stripe.com/checkout/quickstart.md) with [Checkout](https://docs.stripe.com/payments/checkout.md), then [start accepting Klarna payments](https://docs.stripe.com/payments/klarna/accept-a-payment.md).

   You can also use Checkout to [embed a payment page on your site](https://docs.stripe.com/checkout/embedded/quickstart.md) or [build a customized checkout page with Elements](https://docs.stripe.com/payments/quickstart.md) (such as the [Payment Method Messaging Element](https://docs.stripe.com/elements/payment-method-messaging.md)). To build an advanced integration that handles complex payment flows, you can use [Stripe Elements](https://docs.stripe.com/payments/elements.md) with the [Payment Intents API](https://docs.stripe.com/api/payment_intents.md).

   (Private preview) [Stripe Terminal](https://docs.stripe.com/terminal.md) supports using Klarna in-store with [additional payment methods](https://docs.stripe.com/terminal/payments/additional-payment-methods.md?payment-method=klarna). If you’re interested in joining the preview, [share your email address to request access](https://docs.stripe.com/payments/klarna.md#signup).

4. Follow best practices, such as [sending relevant data to Klarna about items in the shopping cart](https://docs.stripe.com/payments/klarna/best-practices.md#send-shopping-cart-item-data), to [optimize conversion and cart size for Klarna payments](https://docs.stripe.com/payments/klarna/best-practices.md).

### Want access to Klarna on Stripe Terminal?

Enter your email to request access.

```bash
curl https://docs.stripe.com/preview/register \
  -X POST \
  -H "Content-Type: application/json" \
  -H "Referer: https://docs.stripe.com/payments/klarna" \
  -d '{"email": "EMAIL", "preview": "terminal_klarna_preview"}'
```

## Payment options 

Klarna can present customers with different payment options, depending on the location, currency, and transaction amount.

Cart ranges and geographic availability for payment options are determined by Klarna and might change at their discretion. Regardless of the underlying payment option selected, Stripe makes the full amount of the funds (minus fees) available to you upfront and Klarna collects the purchase amount from your customer, who repays Klarna directly.

Select the region, then the country where you plan to accept payments to see the supported options, use cases (including  one-time, recurring short and long-term subscriptions, mixed cart, and on-demand payments), and transaction amount limits.

> If a Klarna payment uses the `setup_future_usage` parameter, it’s considered a recurring payment, which limits the available payment options. If you set `setup_future_usage`, your payment page might not display payment plans that a customer is eligible for. This applies to integrations that use a [hosted page, an embedded form, or Elements](https://docs.stripe.com/payments/checkout.md#payment-uis).

**Select a region**

#### Integration toggle with pref "region"

This integration toggle is using custom local pref "region".

There are 3 available values for this integration toggle:
- Oceania
	— label: Oceania
	— description: undefined
- North America
	— label: North America
	— description: undefined
- Europe
	— label: Europe
	— description: undefined

**Select a country**

#### Integration toggle with pref "countries-north-america"

This integration toggle is using custom local pref "countries-north-america".

There are 2 available values for this integration toggle:
- CA
	— label: Canada
	— description: undefined
- US
	— label: United States
	— description: undefined

#### Integration toggle with pref "countries-europe"

This integration toggle is using custom local pref "countries-europe".

There are 19 available values for this integration toggle:
- AT
	— label: Austria
	— description: undefined
- BE
	— label: Belgium
	— description: undefined
- CZ
	— label: Czechia
	— description: undefined
- DK
	— label: Denmark
	— description: undefined
- FI
	— label: Finland
	— description: undefined
- FR
	— label: France
	— description: undefined
- DE
	— label: Germany
	— description: undefined
- GR
	— label: Greece
	— description: undefined
- IE
	— label: Ireland
	— description: undefined
- IT
	— label: Italy
	— description: undefined
- NL
	— label: Netherlands
	— description: undefined
- NO
	— label: Norway
	— description: undefined
- PL
	— label: Poland
	— description: undefined
- PT
	— label: Portugal
	— description: undefined
- RO
	— label: Romania
	— description: undefined
- ES
	— label: Spain
	— description: undefined
- SE
	— label: Sweden
	— description: undefined
- CH
	— label: Switzerland
	— description: undefined
- GB
	— label: United Kingdom
	— description: undefined

#### Integration toggle with pref "countries-oceania"

This integration toggle is using custom local pref "countries-oceania".

There are 2 available values for this integration toggle:
- AU
	— label: Australia
	— description: undefined
- NZ
	— label: New Zealand
	— description: undefined

### Supported payment options for Austria

| - AT
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-10,000 EUR |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months)
- On-demand payments | 0.1-5,000 EUR |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 1-5,000 EUR |
| **Financing**: Customers pay for the purchase over a longer term of up to 36 months, which might include interest. Not all customers are approved for the maximum amount, and approval is subject to creditworthiness. | - One-time payments | 25-5,000 EUR |

### Supported payment options for Belgium

| - BE
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-10,000 EUR |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 1-1,500 EUR |

### Supported payment options for Switzerland

| - CH
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 1-1,585 CHF |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 1-1,000 CHF |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 1-5,000 CHF |

### Supported payment options for Czechia

| - CZ
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-100,000 CZK |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 0-12,250 CZK |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 25-25,000 CZK |

### Supported payment options for Germany

| - DE
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-10,000 EUR |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months)
- On-demand payments | 0.1-10,000 EUR |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 1-5,000 EUR |
| **Financing**: Customers pay for the purchase over a longer term of up to 36 months, which might include interest. Not all customers are approved for the maximum amount, and approval is subject to creditworthiness. | - One-time payments | 25-10,000 EUR |

### Supported payment options for Denmark

| - DK
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 1-100,000 DKK |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 1-50,000 DKK |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 10-50,000 DKK |

### Supported payment options for Spain

| - ES
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-10,000 EUR |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 0-500 EUR |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 1-3,000 EUR |

### Supported payment options for Finland

| - FI
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-10,000 EUR |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 1-3,000 EUR |
| **Financing**: Customers pay for the purchase over a longer term of up to 36 months, which might include interest. Not all customers are approved for the maximum amount, and approval is subject to creditworthiness. | - One-time payments | 25-3,000 EUR |

### Supported payment options for France

| - FR
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-4,000 EUR |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 0-500 EUR |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 1-3,000 EUR |

### Supported payment options for United Kingdom

| - GB
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-4,000 GBP |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 1-1,500 GBP |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 1-2,000 GBP |
| **Financing**: Customers pay for the purchase over a longer term of up to 36 months, which might include interest. Not all customers are approved for the maximum amount, and approval is subject to creditworthiness. | - One-time payments | 250-5,000 GBP |

### Supported payment options for Greece

| - GR
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-4,000 EUR |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 0-500 EUR |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 1-1,000 EUR |

### Supported payment options for Ireland

| - IE
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-4,000 EUR |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 1-3,000 EUR |

### Supported payment options for Italy

| - IT
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-4,000 EUR |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 0-500 EUR |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 1-3,000 EUR |
| **Financing**: Customers pay for the purchase over a longer term of up to 36 months, which might include interest. Not all customers are approved for the maximum amount, and approval is subject to creditworthiness. | - One-time payments | 35-3,000 EUR |

### Supported payment options for Netherlands

| - NL
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-2,500 EUR |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 1-5,000 EUR |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 25-5,000 EUR |

### Supported payment options for Norway

| - NO
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments | 1-100,000 NOK |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 0-75,000 NOK |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 10-75,000 NOK |
| **Financing**: Customers pay for the purchase over a longer term of up to 36 months, which might include interest. Not all customers are approved for the maximum amount, and approval is subject to creditworthiness. | - One-time payments | 250-75,000 NOK |

### Supported payment options for Poland

| - PL
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments | 0-20,000 PLN |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 1-7,000 PLN |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments | - Pay in 3
  - 5-5,000 PLN |

### Supported payment options for Portugal

| - PT
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-4,000 EUR |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 0-500 EUR |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 1-1,000 EUR |

### Supported payment options for Romania

| - RO
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-20,000 RON |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months) | 0-2,500 RON |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 3
  - 5-5,000 RON |

### Supported payment options for Sweden

| - SE
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 1-100,000 SEK |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months)
- On-demand payments | 1-100,000 SEK |
| **Financing**: Customers pay for the purchase over a longer term of up to 36 months, which might include interest. Not all customers are approved for the maximum amount, and approval is subject to creditworthiness. | - One-time payments | 250-100,000 SEK |

### Supported payment options for Australia

| - AU
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments | 0-4,000 AUD |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments | - Pay in 4
  - 10-2,000 AUD |

### Supported payment options for New Zealand

| - NZ
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments | - Pay in 4
  - 10-2,000 NZD |

### Supported payment options for Canada

| - CA
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-2,000 CAD |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 4
  - 1-1,500 CAD |
| **Financing**: Customers pay for the purchase over a longer term of up to 36 months, which might include interest. Not all customers are approved for the maximum amount, and approval is subject to creditworthiness. | - One-time payments | 250-17,500 CAD |

### Supported payment options for United States

| - US
Payment options | Use cases | Transaction amount limits |
| --- | --- | --- |
| **Pay in full**: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | 0-4,000 USD |
| **Pay later**: Customers pay for the purchase in a single payment in 30 days. | - One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months)
- On-demand payments | 5-1,000 USD |
| **Pay in 3 or 4**: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. | - One-time payments
- Long-term subscriptions (longer than 2 months) | - Pay in 4
  - 1-2,000 USD |
| **Financing**: Customers pay for the purchase over a longer term of up to 36 months, which might include interest. Not all customers are approved for the maximum amount, and approval is subject to creditworthiness. | - One-time payments | 45-10,000 USD |

### Payment options for all countries

| Payment option | Customer country1 | Minimum/maximum |
| --- | --- | --- |
| **Pay in full**2: Customers pay for the purchase immediately using a linked card, bank debit, or bank transfer. Use cases:
- One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than monthly)
- Mixed cart (one-time payment and subscription)
- On-demand payments | - AT
- AU
- BE
- CA
- CH
- CZ
- DE
- DK
- ES
- FI
- FR
- GB
- GR
- IE
- IT
- NL
- NO
- PL
- PT
- RO
- SE
- US | - 0-4,000 AUD
- 0-2,000 CAD
- 1-1,585 CHF
- 0-100,000 CZK
- 1-100,000 DKK
- 0-10,000 EUR
  - Netherlands: 0-2,500
  - France, Greece, Ireland, Italy, Portugal: 0-4,000
- 0-4,000 GBP
- 1-100,000 NOK
- 0-20,000 PLN
- 0-20,000 RON
- 1-100,000 SEK
- 0-4,000 USD |
| **Pay later**3: Customers pay for the purchase in a single payment in 30 days. Use cases:
- One-time payments
- Short-term subscriptions (weekly or monthly)
- Long-term subscriptions (longer than 2 months)
- On-demand payments | - AT
- BE
- CH
- CZ
- DE
- DK
- ES
- FI
- FR
- GB
- GR
- IT
- NL
- NO
- PL
- PT
- RO
- SE
- US | - 1-1,000 CHF
- 0-12,250 CZK
- 1-50,000 DKK
- EUR:
  - Austria: 0.1-5,000
  - Belgium: 1-1,500
  - France, Greece, Italy, Portugal, Spain: 0-500
  - Germany: 0.1-10,000
  - Netherlands: 1-5,000
  - Finland: 1-3,000
- 1-1,500 GBP
- 0-75,000 NOK
- 1-7,000 PLN
- 0-2,500 RON
- 1-100,000 SEK
- 5-1,000 USD |
| **Pay in 3 or 4**4: Customers pay for the purchase in three or four interest-free payments. The total transaction amount is typically spread equally across the installments, but Klarna might occasionally charge your customer more in the first installment based on the customer’s purchase power and other credit factors. Use cases:
- One-time payments
- Long-term subscriptions (longer than 2 months) | - AT
- AU
- CA
- CH
- CZ
- DE
- DK
- ES
- FR
- GB
- GR
- IE
- IT
- NL
- NO
- NZ
- PL
- PT
- RO
- US | - Pay in 3
  - 1-5,000 CHF
  - 25-25,000 CZK
  - 10-50,000 DKK
  - EUR:
    - Austria, Germany: 1-5,000
    - France, Ireland, Italy, Spain: 1-3,000
    - Netherlands: 25-5,000
    - Greece, Portugal: 1-1,000
  - 1-2,000 GBP
  - 10-75,000 NOK
  - 5-5,000 PLN
  - 5-5,000 RON
- Pay in 4
  - 10-2,000 AUD
  - 1-1,500 CAD
  - 10-2,000 NZD
  - 1-2,000 USD |
| **Financing**5: Customers pay for the purchase over a longer term of up to 36 months, which might include interest. Not all customers are approved for the maximum amount, and approval is subject to creditworthiness. Use cases:
- One-time payments | - AT
- CA
- DE
- FI
- GB\*
- IT
- NO
- SE
- US | - 250-17,500 CAD
- EUR:
  - Austria: 25-5,000
  - Finland: 25-3,000
  - Germany: 25-10,000
  - Italy: 35-3,000
- 250-5,000 GBP
- 250-75,000 NOK
- 250-100,000 SEK
- 45-10,000 USD |

1 Among US territories, Klarna only supports Puerto Rico for all payment options. Pay later is supported in all states except Montana (MT), New Mexico (NM), and Hawaii (HI). Pay in 4 is supported in all states except New Mexico (NM) and Hawaii (HI). Financing is supported in all states except Iowa (IA), West Virginia (WV), and Massachusetts (MA).

2 Australia, Norway, and Poland only support Pay in Full for one-time payments.

3 Germany, Sweden, and the United States are the only countries that support Pay Later for subscription and on-demand payments.

4 Australia, New Zealand, and Poland only support Pay in 3 or 4 for one-time payments.

5 See the [Klarna FAQ](https://support.stripe.com/questions/klarna-faq#klarna-financing-us-uk-payers) for more information about Klarna Financing availability in the United Kingdom.

### Limitations to availability

In addition to the payment option availability described above, the following limitations to availability apply.

- **Availability in US territories** Among US territories, Klarna only supports Puerto Rico for all payment options.
- **Availability in US states**:
  - Pay later is supported in all states except Montana (MT), New Mexico (NM), and Hawaii (HI).
  - Pay in 4 is supported in all states except New Mexico (NM) and Hawaii (HI).
  - Financing is supported in all states except Iowa (IA), West Virginia (WV), and Massachusetts (MA).
- **Support for Pay in Full for one-time payments** Australia, Norway, and Poland only support Pay in Full for one-time payments.
- **Support for Pay Later for subscription and on-demand payments** Germany, Sweden, and the United States are the only countries that support Pay Later for subscription and on-demand payments.
- **Support for Pay in 3 or 4 for one-time payments** Australia, New Zealand, and Poland only support Pay in 3 or 4 for one-time payments.
- **Financing in the United Kingdom** See the [Klarna FAQ](https://support.stripe.com/questions/klarna-faq#klarna-financing-us-uk-payers) for more information about Klarna Financing availability in the United Kingdom.

## Cross-border payments 

The following table describes the requirements for using Klarna internationally. For example, a Swedish business can present in EUR to a customer in Germany because they’re both in the *European Economic Area (EEA)* (The European Economic Area is a regional single market with free movement of labor, goods, and capital. It encompasses the European Union member states and three additional states that are part of the European Free Trade Association). However, an Australian business must present in AUD, and can only accept payments from customers in Australia.

| Business location | Customer location | Presentment currency |
| --- | --- | --- |
| EEA country | - EEA country
- Switzerland
- United Kingdom | Customer location currency |
| United Kingdom | - EEA country
- Switzerland
- United Kingdom | Customer location currency |
| Switzerland | - EEA country
- Switzerland
- United Kingdom | Customer location currency |
| Other countries | Same as business location | Business location currency |

## Refunds 

You can refund Klarna charges up to 180 days after the payment completes. Klarna cancels any remaining payments on a refunded charge and returns the already-paid amount to the customer. Refunds usually take 5-7 business days to complete, but might take longer depending on the customer’s financial institution and the type of purchase. Klarna supports full and partial refunds. You can also issue multiple partial refunds up to the amount of the original charge. Partial refunds update the Klarna order to reflect the new total amount.

- If the partial refund is greater than the remaining balance of the order, Klarna deducts the refund amount from the outstanding balance and returns the difference.
- If the partial refund is less than the remaining balance of the order, Klarna deducts the amount from the outstanding balance and spreads refunds evenly across the remaining payments.

Klarna doesn’t support refunding a payment when it has been escalated to a dispute. Learn more about [responding to disputes](https://docs.stripe.com/payments/klarna/disputes.md).

## Connect 

A Connect platform can use [Stripe Connect](https://docs.stripe.com/connect/how-connect-works.md) with Klarna to process connected account payments of all [charge types](https://docs.stripe.com/connect/charges.md).

### Connected accounts with full Stripe Dashboard access

Connected accounts with access to the full Stripe Dashboard, including Standard accounts, can enable Klarna through their Dashboard. To check which accounts have enabled Klarna, use the `capabilities` hash in the [accounts webhooks or APIs](https://docs.stripe.com/api/accounts/object.md#account_object-capabilities-klarna_payments) to see if the `klarna_payments` capability is set to `active`.

### Connected accounts without full Stripe Dashboard access

To enable Klarna for connected accounts without full access to the Stripe Dashboard, including Express and Custom accounts, request the `klarna_payments` [capability](https://docs.stripe.com/connect/account-capabilities.md). Customers see the name of your connected account during checkout and in the Klarna app.

## Customer country filtering

Customer country filtering applies when you enable a dynamic payment method on the Payment Element or Checkout Session. Klarna only displays as a payment method option if the customer’s country is supported.

We determine the customer’s country in the following priority order:

1. Shipping address country: The two-letter country code, not the full name of the country.
2. Geocoded country: The country based on the client-side IP address.