How Klarna works

Klarna is a "buy now, pay later" payment method that allows customers to purchase items and pay for their order over time. For merchants, it provides a secure and straightforward way to offer flexible payment options.

When a customer selects Klarna at checkout, Klarna performs an instant risk assessment. Once the payment is approved, Klarna guarantees the transaction.

This means you receive the full payment upfront from Klarna once you capture the authorised amount, and Klarna assumes the entire risk for customer fraud or non-payment. This guarantee is based on your compliance with Klarna's scheme rules.

The Customer's Payment Journey

After the transaction is approved, Klarna manages the entire payment process directly with the customer. This includes sending invoices, managing installment plans, and collecting the payments.

Customer Support Guidance

Because Klarna manages the payment plan, any customer questions about their invoices, payment due dates, or payment schedule must be directed to Klarna's customer support. Adyen nor your support team will not have access to the details of a customer's payment agreement with Klarna.