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Beyond payments

Comply with Klarna rules

Understand and comply with Klarna network requirements.

This guide describes the specific rules for complying with Klarna’s network requirements.

Prohibited business categories

In addition to the industry and business categories listed in Prohibited and restricted business, you can’t use Klarna for the following categories:

  • Charities
  • Political organizations, parties, or initiatives
  • B2B

For more information about Klarna eligibility for your account, navigate to your Payment methods settings.

Klarna branding

If you’re marketing Klarna on your website, such as promoting buy now, pay later offers, you must comply with Klarna’s marketing compliance guides. We recommend that you use the Payment Method Messaging Element on your product and cart pages because it automatically handles Klarna brand compliance on your behalf.

If you’re in the UK, there are additional FCA regulatory requirements in the UK regarding advertising Klarna’s BNPL payment methods. Failure to comply can result in criminal charges. Per these requirements, you must only advertise Klarna with messaging approved by Klarna. You can find Klarna approved messaging in Klarna’s UK Financial Promotion Rules.

Termination rights

In addition to the termination and suspension rights included in the Stripe Services Agreement, Klarna has certain additional rights to suspend or terminate your use of Klarna, such as for breach of the prohibited business categories listed above or for high dispute rates that aren’t promptly remedied.

Additional requirements

By accepting Klarna payments, you acknowledge that:

  • Klarna decides if customers can use Klarna for purchases and has the sole right to receive payment from Klarna customers. Stripe acquires those purchases for you and settles the funds to you.
  • You must provide customers with any required or requested payment instructions or documents (such as VAT). These documents must refer to Klarna as the payee and not contain any of your bank details.
  • You can’t impose fees or higher prices for Klarna purchases or act unfairly towards Klarna.
  • You must promptly follow Stripe’s instructions to stop an order process or shipping to help reduce the risk of fraudulent transactions.
  • You can’t use any design that’s confusingly similar to Klarna’s trademarks (see Klarna’s branding guidelines).
  • You must not permit use of Klarna for purchases by a person who might reasonably be considered to share a financial interest with you, including owners, directors, and employees of your business or any affiliated company.

DDO requirements for Australian businesses

If you’re in Australia, Klarna provides guidance on how to comply with the Design and Distribution Obligations (DDO) when accepting Klarna in Australia. Most Stripe users don’t need to do anything to comply. If you actively promote or recommend Klarna’s Pay in 4 product in Australia, you might be considered a “distributor” under the DDO and might have to:

  • Work with Klarna as needed to comply with the DDO, including only promoting Pay in 4 consistent with Klarna’s Target Market Determination (TMD).
  • Promptly advise Klarna of any “significant adverse dealing” such as:
    • A major complaint or large number of complaints that Pay in 4 causes a customer harm or
    • A customer under 18 makes a purchase using Pay in 4
  • If requested, provide Klarna with reports about any Pay in 4 complaints you receive.
  • If requested, provide Klarna with information related to any reported significant adverse dealings.
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