You can offer three Klarna variants to your shoppers:

• Klarna Pay later for them to pay once the goods are delivered.
• Klarna Pay over time to pay in installments.
• Klarna Pay now to pay instantly, either by secured online banking or direct debit.

Their availability differs per country. Pay special attention to Switzerland as a request must be sent to Klarna to enroll your account for CHF payments.

You can also offer recurring payments with Klarna depending on the variant and market:

• Klarna Pay Now Direct Debit in SE, NL, DE and AT.
• Klarna Pay Now Bank Transfer does not support recurring.
• Klarna Pay Later in all markets.
• Klarna Pay Over Time in the US.

Sofort online banking (directEbanking) is also part of the Klarna family, but a separate payment method.