Klarna

Klarna allows customers the flexibility to make planned payments to buy now, pay later. The Klarna credit application is quick and easy. Then you pay after delivery within 14 days after you are sure that you are happy with your purchase.

a better way to shop

List of Stores that Accept Klarna Financing to Buy Now, Pay Later

Click on individual online store logos for more information about that store and to shop.

FitFlop

FitFlop

FitFlop is still considered young in the industry since it was just established in 2007. But, the brand has successfully taken the sandals market by storm a year later and became one of the most popular summer shoewear selling more than 12 million pairs around the...

Sephora

Sephora

Sephora was founded by Dominique Mandonnaud in Paris, France, in 1970. The brand's name was derived from the bible character Zipporah who is famously known as the wife of Moses. Their brand promotes "assisted self-service" sales experience that makes them unique from...

Ekster

Ekster

Ekster is the world's largest smart wallet brand which believes that an item that they frequently use needs to be efficient, style, slim, secure, innovative, and adjusted to our needs having the company’s philosophy which is “Time-saving designs for smarter living.”...

Chair Speaker

Chair Speaker

ChairSpeaker provides care and improvement on the quality of life for patients with hearing loss. This began when the founder’s father could not hear well what’s being said on the TV even when he’s wearing hearing aids. Because of this, they developed prototypes and...

Garage Clothing

Garage Clothing

Garage, along with Dynamite are the brands under the global fashion retailer Groupe Dynamite. Garage began in 1975 in Montreal, Canada as a casual clothing provider for young, fun, and effortlessly sexy women, operating into 152 stores. Made to inspire confidence,...

Abercrombie & Fitch

Abercrombie & Fitch

Abercrombie & Fitch started in 1892 in New York that was headed by David Abercrombie. In 1904, Ezra Fitch partnered with him. A&F is a premium source of outdoor goods and apparel for men and women and retains the spirit of creating enduring and evolving...

Skinny Dip London

Skinny Dip London

When Apple released its iPhone 4 back in 2011, Skinnydip also released its first iPhone fun case design, and Skinnydip London was officially born. Since its launch, the company has grown significantly, and aside from the iPhone cases, they now also offer accessory...

Schuh

Schuh

Schuh, normally pronounced as "shoe", is a UK footwear retailer with over 130 stores across the UK and Ireland. Their first store was opened in 1981 in Edinburgh's North Bridge Arcade, and since then, the company distributes over 80 shoe brands, including Converse,...

Box Lunch

Box Lunch

BoxLunch was founded in 2015 by an American retail chain company Hot Topic. The first store was opened in California but now has over 50 stores across the US, including Hawaii. The company is specializing in gifts with a pop culture theme, which includes women and...

Boohoo

Boohoo

Boohoo has started in 2006 and founded by Mahmud Kamani and Carol Kane as a global brand for girls that offers the latest fashion trend at a reasonable price. Since then, the company has over 4 million fans and still growing. It is a UK-based online fashion retailer...

Trophy Skin

Trophy Skin

Trophy Skin is a skincare company that was founded in December 2008 by a small yet talented individual that aims to build up their client’s confidence by covering up their skin imperfections and changing their appearance. They use state of the art tech beauty tools to...

Public Desire

Public Desire

Founded by Qasim Akhlaq in September 2014, Public Desire became a global online footwear brand. The company is famous for selling the hottest styles to fashion-forward girls looking for stylish updates without spending too much money. The objective of their brand is...

Pink Clove

Pink Clove

Founded in 2013, Pinkclove.co.uk earned its reputation as one of the leading provider of expertly designed plus size clothing for women. The company has grown substantially over the years and made a huge impact on the market. Moreover, Pink Clove has become hugely...

Pretty Little Thing

Pretty Little Thing

PrettyLittleThing is a UK-based fashion retailer founded in 2012. The company started as an accessory only brand and grown into a forward-thinking brand that is slaying the online fashion world with girl products inspired by the catwalk, celebrities, and influencers....

The Fragrance Shop

The Fragrance Shop

The Fragrance Shop is one of the largest fragrance retailers based in the United Kingdom. It showcases over 150 fragrance brands and 200 beauty brands, both online and in-store. Launched in 1994, the company specializes in selling designer brand perfumes for men and...

JD Sports

JD Sports

JD Sports Fashion is a popular sports-fashion retail company located in Bury, Lancashire, England. The company was established by John Wardle and David Makin in 1981 in Bury, Greater Manchester. Since then, the company grew and expanded its stores not just in the...

Nolah Mattress

Nolah Mattress

Founded by Daniel Galle and Anna Hjoellund, the Nolah mattress company has been in the business since 2007. They aim to provide their customers with innovative foam with their mattresses that are far better than conventional memory foam. In fact, all their products...

Topshop

Topshop

Topshop is a multinational fashion retailer from London. It offers a range of clothing, shoes, make-up, and accessories. Topshop was established in 1964 as Peter Robinson’s Top Shop, which is a brand for youth. Today, there are more than 500 shops available, which...

ASOS

ASOS

Asos.com is an online British fashion and cosmetic retailer established in 2000 in London. The website offers over 850 brands along with its own range of clothing and accessories. ASOS stands for "As Seen On Screen" and is known for its tagline "Buy what you see on...

Sweet ZZZ Mattress

Sweet ZZZ Mattress

Sweet Zzz is a mattress manufacturer founded in 2018 that is based in Panorama City, CA. The company's main objective is to provide quality non-toxic, healthy, natural and eco-friendly mattresses that people could actually afford and enjoy. Backed by a lifetime...

Decluttr

Decluttr

Decluttr is based in Kennesaw, Georgia and was founded in 2014. Decluttr is a free platform or app where you can make money by selling old or unwanted collectibles and gadgets such as cell phones, tech, CDs, DVDs, games, books and more. If you are interested to sell...

Skis

Skis

Since 1997, Skis.com has already brought a selection of quality ski products and equipment all over the US. Moreover, aside from ski products, they are also dedicated to educating people on how to buy the best ski that fits their needs. They also offer pre-made ski...

Jewelry Affairs

Jewelry Affairs

Established in 2008, Jewelry Affairs is a family-owned online jewelry business specializing in fashion jewelry based in New York City. And the family has been in the jewelry business for over 40 years now. The company offers free standard shipping on all of their...

Hot Topic

Hot Topic

Originally founded in 1989, Hot Topic opened its first store in Montclair, California where they started selling unique accessories such as spike bracelets, pyramid belts, skulls and crucifixes. In 1990, they brought in music-inspired tees and started carrying 50...

TaylorMade Golf

TaylorMade Golf

Founded by Gary Adams in 1979, TaylorMade started with only 3 employees in a rented 6,000 square-foot building and sold 12-degree driver cast of stainless steel. TaylorMade is driven to create revolutionary products with its commitment to pursue the next great...

Sneakers N Stuff

Sneakers N Stuff

Established in 1999 in Stockholm, Sneakersnstuff is a global retail company founded by Erik Fagerlind and Peter Jansson from a sneaker collection. Twenty years later, it has opened stores in Paris, London, Berlin, New York City (including the SNS Bar), and Los...

Etsy

Etsy

If it’s handcrafted, vintage, custom, or unique, it’s on Etsy. Founded by Rob Kalin, Jared Tarbell, Chris Maguire, and Haim Schoppik in 2005, Etsy is a Brooklyn-based online artisanal marketplace allowing sellers to do what they love and helps buyers find what they...

Helix Sleep

Helix Sleep

Helix Sleep is an e-commerce and U.S-based company that offers hybrid and comfortable mattresses. Their mattresses are designed to support heavier and larger people. They also use sleep DNA discoverer to customize the right mattress for their customers. Their products...

Lenovo

Lenovo

Started 30 years ago, Lenovo started as a technology invented by eleven Chinese engineers. Today, the brand is known in more than 160 countries. They offer advanced technology products like laptops and ultrabooks, tablets, smartphones, desktops, workstations, servers...

About Klarna Financing

Purchasing items then paying over time is currently making its way to the U.S. market. This is great news for all the shopping warriors. But is it really worth the hype? We will see then but first, we will tell you what the service is really all about.

Recently, we have just tried Klarna which is the newest in offering payment solutions service for e-commerce brands like TaylorMade, SONOS, Acne Studios, Daniel Wellington, etc. I just learned then that the company was founded by three business school students.

What is Klarna?

Klarna is based in Stockholm, Sweden Company that was established in 2005 for convenience in online shopping where we can enjoy the product first and pay afterwards. As the years pass by, it has become one of the largest banks in Europe and a payment solutions provider for millions of consumers.

How The Payment Method Works

Card payments via Visa, Mastercard, American Express as well as Paypal are accepted with their simple checkout process. Also, transactions are a breeze for returning customers. Another thing, Klarna is integrated with an extensive range of e-commerce payment services and platforms.

The Pros and Cons of Klarna

The Pros

Klarna is definitely your cup of tea just by reading the deals the listed here:

Exciting payment options offered

What we like about this provider is that they offer many payment systems such as direct payments, and especially the ‘Buy Now, Pay Later’ option to help entrepreneurs sell more because consumers are more likely to support.

Installment payment is allowed

They know that when people hear about installment options, it urges more customers to shop because there is no pressure paying the whole amount right after shoppers got bitten by impulsive decisions. Well, companies love this, triggering the people’s emotions to shop.

Following what the customers want

Customers can then decide when and how they want the payment to be like. That’s when the golden rule “The customer is always right” enters. Customers are given 14 or 30 days to settle the bill.

It lets you get paid

The innovative part would be Klarna pays for the products we put in the basket the moment we complete the purchase. They take the responsibility of collecting the payment and deals with refunds.

The Cons

Now, here is where the benefits and disadvantages weigh in. You might not choose Klarna due to the following issues:

Complicated refunding process

Refunding happens when customers are not happy with the items they receive. Unfortunately, I have heard recurring online complaints of those customers who are having a hard time with refunding due to their poor customer service, with failed purchases reports as well. Their customer service and technical support still need much improvement. Basic phone support is offered for merchants in the UK in a limited time from Monday to Friday and during office hours only. Since there is no phone support on weekends, either way, customers can send an inquiry via email or the brief help section found at the website. However, they do not respond to emails promptly.

Hidden fees

The list of pricing is not indicated when you visit their website. Isn’t it ironic for a modern payment service company? Still, you can search it online at WooCommerce integration. Depending on what country they are accepting the payment, it varies based on the currency used by the consumer. Still subject to change, you can check out the rates below. You’re welcome!

  • United Kingdom 2.49 % + 0,20 GBP
  • Austria 1.99 % + 0,35 EUR
  • Finland 2.75 % + 0,35 EUR
  • Germany 1.99 % + 0,35 EUR
  • Global* 2.79 % + 0,35 EUR
  • Netherlands 1.19 % + 0,25 EUR
  • Norway 2.79 % + 3.50 NOK
  • Sweden 2.79 % + 3.50 SEK
  • USA 2.99 % + (USD 0,30 applies on revolving account purchases)

It is up to merchants to decide how much value this helps their business. Either for high or low-volume merchants, this is clearly not the cheapest option available.

Paying in full with no rewards

Even when the ‘Buy Now, Pay Later’ option is available, remember that you can still pay the items that you have purchased immediately unless you opt to select that post-payment feature. Unlike in credit cards, did you know that you will not get bonuses on spending like cashback and rewards from Klarna when you pay in full? But yeah, I’m sure that you would want the former. Still, both merchants and shoppers would benefit from the service they are offering.

The Verdict

Although an innovative payment method is being offered by Klarna which we look forward to be brought by more companies soon in the industry, they still need to do their job of not causing hard to solve issues for both of their consumers and merchants. While they bring convenience in an optimized payment gateway, customer support must still be given utmost attention.

List of Stores that Accept Klarna Financing to Buy Now, Pay Later