Updated November 21, 2024

Boost your revenue, increase your conversion rates, and get paid up front with Klarna’s buy now, pay later options!

Klarna is a “Buy Now, Pay Later” solution that allows businesses to receive an invoice’s full payment amount immediately while the purchaser enrolls in an installment plan or payment option of their choosing.

Klarna is an available payment option for Stripe businesses and clients located in a variety of countries. When a client chooses Klarna during checkout, the business receives the full payment amount immediately (minus processing fees), while Klarna collects installment payments from the client over time. Clients must elect to pay the full invoice amount in order to utilize Klarna payments.

The payment options that Klarna offers depends on the total invoice amount and the client’s billing address. Invoices that qualify for Klarna payments must have a total balance of at least $50.

Businesses located in the following countries can accept Klarna payments.

For businesses in some of the above countries, businesses can only accept Klarna payments from customers based within that country, and the presentment currency must match the currency of the customer’s country. These countries are:

For example, a business located in the United States can only accept Klarna payments from a customer in the United States, and the invoice must be paid in USD.

For the other countries listed in the chart above, it is possible to accept Klarna payments from customers located in a different country, depending on the presentment currency. See the chart within the pricing section below for more details.

Businesses located in one of the approved countries can navigate to Settings ➔ Payments and invoices to enabled Klarna payments.

On a Dubsado invoice, clients can choose Klarna when they opt to pay an invoice in full. If you’d like to encourage your clients to pay in full with Klarna, it may be helpful to remove any Dubsado payment plans from your invoices.

After clicking Pay Now, clients can select Klarna from the payment options at the top of the payment modal to view their Klarna payment options. Clients can also click Learn more to get more details on their available offers.

After the client clicks the Pay button within the modal, they are redirected to Klarna’s site to finish enrolling in the installment plan of their choosing.

Once the client has completed their enrollment, they are directed back to the Dubsado invoice where their payment is confirmed.

As with normal payments transacted through Dubsado Payments, the client automatically receives a receipt for their payment. Their receipt denotes that the full invoice amount has been paid to the business via Klarna.

Depending on their location, customers have the flexibility to select from various payment options:

The processing rate for accepting payments via Klarna is dependent on the location of the business and the location of the customer. See the chart below for details.

In order for a Dubsado invoice to accept Klarna payments, the following conditions apply:

Payments made on an Klarna installment plan can be refunded up to 180 days after the original purchase. Refunds can be initiated from within Dubsado or from within Stripe.

Both partial and full refunds are allowed. Once a refund is initiated, Klarna pauses the client’s installment plan and refunds the customer for payments that have already been completed. Any interest paid by the customer is not returned with a refund, and Stripe does not credit the business with the processing fees associated with the payment.

You can have both surcharging and Klarna enabled simultaneously, but if your client chooses to pay with Klarna then you cannot also apply a surcharge to their payments. A surcharge can only be applied if the client pays with a credit card and does not pay via Klarna.