BNPL & invoice
Klarna
Pay later, pay in 3, or pay over time
Offer Klarna's full BNPL suite — Pay in 30 days, Pay in 3 instalments, and longer-term financing — on Surfboard's online checkout.
About Klarna
Klarna is the leading buy-now-pay-later provider in Europe and a major player in the US and UK. Offering Klarna at checkout typically lifts conversion and average order value, particularly for retail, fashion, electronics, and home goods. Surfboard supports Klarna's full product suite — Pay in 30 days, Pay in 3 instalments, and longer-term financing — on online checkout.
When to enable Klarna
Recommended for any retail, fashion, electronics, or home-goods merchant. BNPL converts customers who would otherwise abandon at the price point, and lifts average order value because shoppers add more knowing they don't pay upfront.
Customer base
Consumers who prefer to spread payments, defer payment until after delivery, or avoid using credit cards. Skews younger and more online-native.
What merchants build with Klarna
Common use cases where partners and merchants enable this method through Surfboard.
Fashion and apparel e-commerce
Electronics and high-ticket retail
Home goods and furniture
Travel and experience bookings
Subscription services with optional instalments
How to accept Klarna on Surfboard
Klarna runs on the same Payment Methods system as every other method on Surfboard. Enable it per merchant, store, or terminal — through the portal or the API, no re-deployment required.
Enable in the portal or via API
Partners flip Klarna on for their merchants in the Partner Portal, merchants enable it for their own stores in the Merchant Portal, and developers can do the same programmatically through the Payment Methods API. Surfboard handles scheme registration where required.
Available everywhere
Becomes available immediately on the channels Klarna supports — in-store terminals, online checkout, SoftPOS, and unattended where applicable.
One settlement
Klarna transactions roll into the same settlement reports as every other payment method on the platform — no separate reconciliation pipeline.
