Where to add Klarna during checkout
You add Klarna as a payment method at the moment you check out on a retailer's website or app. Klarna appears as a payment option alongside credit cards, debit cards, and other methods the store accepts. You do not need to set it up in advance—you choose it when you're ready to pay.
The exact location depends on where you're shopping. On most websites, you'll see payment options after you enter your shipping address. On mobile apps, Klarna usually appears in a list of payment methods on the final checkout screen. Look for the Klarna logo or the text "Pay later with Klarna" to identify it.
Not every retailer accepts Klarna. Before you reach checkout, check whether the store lists Klarna as an option. If it does not appear during checkout, that retailer does not currently partner with Klarna.
Key Takeaways
- Klarna is added at checkout, not beforehand—you select it as your payment method when you're ready to complete your purchase.
- You must provide your name, email, phone number, and date of birth during the Klarna checkout process so the company can verify your identity.
- Klarna performs a soft credit check that does not affect your credit score, and you'll see your payment plan options before you confirm the purchase.
- If you have a Klarna account from a previous purchase, you can log in during checkout instead of entering your information again.
- Payment plans vary by retailer and purchase amount, ranging from four interest-free installments to longer plans with interest.
What information Klarna asks for at checkout
When you select Klarna as your payment method, you'll be asked to provide personal information so Klarna can verify who you are and assess whether to offer you a payment plan. You'll need your full name, email address, phone number, and date of birth. Klarna will also ask for your billing address.
Klarna performs what's called a soft credit check—it looks at your credit history but does not create a hard inquiry that lowers your credit score. This check happens in seconds, and you'll see the result before you finish the purchase. If Klarna approves you, it will show you the available payment plan options for that specific purchase.
If you've used Klarna before, you can log into your existing account during checkout instead of entering all this information again. This speeds up the process considerably.
Choosing your payment plan before confirming
After Klarna verifies your identity, it shows you the payment plan options available for your purchase. The plans offered depend on the retailer, the purchase amount, and your payment history with Klarna. Common options include four interest-free installments spread over six weeks, or longer plans that may include interest.
You see the exact payment dates, amounts, and any interest charges before you confirm. Do not proceed unless you understand when each payment is due and how much you'll pay in total. If the plan does not work for you, you can go back and choose a different payment method instead.
Once you select a plan and confirm the purchase, Klarna sends you a confirmation email with your payment schedule. You can also view your plan and make payments through the Klarna app or website.
How payments are collected from your bank account
Klarna collects each payment by withdrawing money directly from your bank account on the scheduled date. You authorize this withdrawal when you confirm your purchase. Klarna uses ACH transfers, which means the money moves from your checking or savings account to Klarna's account over one to two business days.
Make sure you have enough money in your account on each payment date. If a payment fails because your account does not have sufficient funds, Klarna will attempt to collect it again, usually within a few days. Repeated failed payments can result in late fees and damage to your credit score if Klarna reports the debt to credit bureaus.
You can view your upcoming payment dates in the Klarna app or on Klarna's website. Some retailers also send payment reminders via email or text message.
What happens if you do not have a Klarna account yet
You do not need to create a Klarna account before you shop. When you select Klarna at checkout, the company creates an account for you automatically using the information you provide. Your account is active immediately, and you can use it for future purchases at other retailers that accept Klarna.
After your first purchase, you can download the Klarna app to manage your account, view payment schedules, and make early payments if you want to. The app also shows you which retailers accept Klarna and lets you browse their catalogs.
Updating payment method if your bank details change
If you change banks, get a new debit card, or close the account Klarna has on file, you need to update your payment method in your Klarna account. Log into the Klarna app or website, go to your account settings, and update your bank account or card information. This ensures Klarna can collect your scheduled payments without interruption.
If you do not update your information and a payment fails, Klarna will contact you to ask for a new payment method. Providing updated details quickly prevents late fees and protects your credit.
Removing Klarna or switching payment methods mid-purchase
If you change your mind about using Klarna before you confirm the purchase, simply go back and select a different payment method. Klarna will not charge you if you do not complete the transaction.
If you've already completed a purchase with Klarna and want to pay off the entire plan early, you can do so through the Klarna app or website without penalty. Some retailers also let you change your payment method after purchase, though this is less common—contact the retailer's customer service to ask.
Frequently Asked Questions
Do I need to create a Klarna account before I can use it at checkout?
No. Klarna creates your account automatically when you select it as your payment method and provide your information at checkout. You can use that account immediately for future purchases, or you can download the app to manage it.
Will using Klarna hurt my credit score?
The soft credit check Klarna performs does not affect your score. However, if you miss payments, Klarna may report the missed payment to credit bureaus, which will lower your score. Paying on time keeps your credit unharmed.
What if my payment fails because I do not have enough money?
Klarna will attempt to collect the payment again within a few days. If it continues to fail, you'll be charged a late fee and the missed payment may be reported to credit bureaus. Contact Klarna immediately to arrange a new payment date or method.
Can I use Klarna on every website that accepts payments?
No. Klarna only works at retailers that have partnered with the company. Check the payment options during checkout to see if Klarna is available. If it is not listed, that retailer does not currently accept Klarna.
Can I pay off my Klarna plan early?
Yes. You can pay the full remaining balance at any time through the Klarna app or website without penalty. Early payment does not cost extra and can help you avoid interest on longer plans.