How to Add Klarna to Shopify

Klarna, also known as Klarna Bank AB, is an online payment provider that allows customers to pay for purchases in different ways. On Shopify, Klarna can be used to give customers more flexible payment options at checkout, depending on the country, currency, and payment setup of the store.

Shopify allows eligible merchants in specific countries to add Klarna payment methods to their store. These options can make checkout easier for customers who want to pay immediately, pay later, or split the cost of an order into instalments.

Klarna’s payment options may include Klarna Pay Now, Klarna Pay Later, and Klarna Slice It. Availability depends on your region, Shopify Payments settings, and Klarna’s approval process. To use Klarna on Shopify, you usually need to be on the Shopify Basic plan or above.

It is also worth noting that Klarna payment options may only appear for customers who check out using an email address. In some cases, customers who check out using only a phone number may not see Klarna as a payment option.

Add and activate Klarna payment integrations for Shopify

To use Klarna on Shopify, you may need to log in to the Klarna Merchant Portal and complete the required setup steps. Klarna may review your business before approving payment methods for your store.

Once Klarna has approved your business and the payment method is active, eligible customers will be able to select Klarna during checkout.

How to get started with Klarna on Shopify

Before activating Klarna in your Shopify store, make sure your store and payment settings are ready.

• Sign up with Klarna if you already have a Shopify store.
• Create a merchant account through the Klarna Merchant Portal.
• Go to Settings in the Merchant Portal and create new API credentials if required.
• Download the file containing your API credentials.
• Install or activate Klarna in your Shopify store.

Steps to activate Klarna on Shopify

You can activate Klarna through your Shopify payment settings if it is available for your store.

1. Open Shopify admin: Log in to your Shopify admin dashboard.

2. Go to Payments: Navigate to Settings, then click Payments.

3. Complete Shopify Payments setup: If you have not set up Shopify Payments yet, click Complete account setup and finish the registration process.

4. Manage Shopify Payments: In the Shopify Payments section, click Manage.

5. Choose payment options: In the payment options section, select the Klarna payment methods you want to enable if they are available.

6. Save your changes: Click Save to apply the updated payment settings.

Klarna payment options

Klarna payment options are available only in specific regions and may depend on the customer’s country, currency, and the merchant’s Shopify Payments setup.

Customers in regions such as the Netherlands, Austria, Germany, and Finland may be able to access Klarna payment options, depending on the setup. Customers in countries such as the United Kingdom and Sweden may need to use their local currency to access certain Klarna payment methods.

Klarna Pay Later

Klarna Pay Later allows customers to place an order and pay for it at a later date. This can make checkout more flexible for customers who do not want to pay immediately.

When a customer selects Klarna Pay Later, Klarna handles the payment process and sends payment instructions to the customer. The exact repayment terms depend on the country and the Klarna offer shown at checkout.

Receiving payments manually with Klarna Pay Later

In your Shopify payment settings, you may be able to choose whether to capture payments automatically or manually. By default, Shopify often captures payments automatically after an order is placed.

If you use manual payment capture, you need to capture the payment within the allowed time frame. When the payment is captured, Klarna provides the funds to the merchant and sends the customer the relevant payment details.

Klarna Pay Now

Klarna Pay Now allows customers to pay immediately using their online banking details or connected payment method. When a customer chooses this option, they may be redirected to Klarna to complete the payment securely.

Once the order is paid, Klarna sends the funds to the merchant through the normal payout process. Availability for Klarna Pay Now depends on the merchant’s country and payment setup.

Klarna Slice It

Klarna Slice It allows customers to pay for their order in instalments over time. This can be useful for higher-value orders where customers prefer to split the cost into smaller payments.

With Slice It, Klarna manages the financing process and payment schedule. Availability, repayment periods, interest, and approval requirements depend on Klarna’s terms and the customer’s location.

The bottom line

Klarna can be a useful payment option for Shopify merchants who want to offer customers more flexible ways to pay. Depending on your region and eligibility, you may be able to add Klarna Pay Later, Klarna Pay Now, or Klarna Slice It to your checkout.

Because Klarna availability depends on country, currency, Shopify Payments settings, and Klarna approval, it is important to check your Shopify admin and Klarna Merchant Portal before launch. Once activated correctly, Klarna can help create a smoother checkout experience for your eCommerce store.