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Buy Now. Pay Later with Klarna

Klarna expands and strengthens UK offering including launch of ‘Pay Now’ immediate payments

At an online checkout, customers will now see a single Klarna button presented alongside other payment methods accepted by the retailer. Consumers who select ‘Klarna’, will be able to choose either to pay immediately using a debit or credit card, or to pay in 30 days or over 3 instalments with no fees or interest. Klarna also offers longer-term, regulated Financing for larger purchases - this will be available with retailers that are authorised to offer it. Regardless of how they pay, consumers can keep track of their payments in the Klarna app. 

Immediate payments will be rolled out at the majority of UK retailers by Q1 2022.

Klarna, the leading global retail bank, payments and shopping service, on 18th October 2021 announced a package of changes to expand and strengthen its UK offering to give consumers more choice, clarity and control over how they pay. ‘Pay Now’ ensures UK consumers can always pay immediately and in full, wherever Klarna is available, with the same payment experience whether they choose to pay now or later.

And in its continued drive to set standards for the UK payments industry, Klarna is also strengthening affordability checks and checkout language, providing more ways for consumers to challenge complaints decisions on the rare occasions this becomes necessary, and removing the last remaining late fees on its regulated financing product – all with immediate effect.

Putting consumers in control whether they pay now or pay later

While it is best known for Buy Now Pay Later (BNPL) in the UK, globally Klarna offers a wide range of payment and shopping services and its ‘Pay Now’ immediate payment option is extremely popular globally. Klarna’s UK payment and shopping options will now be consistent with those offered globally across 20 markets, giving consumers more choice, clarity and control over how they pay. 

Pay Now is launched alongside a package of consumer-focussed changes to drive up standards across the UK consumer payments industry. Central to this, Klarna has begun to leverage its own well established Open Banking services, already connected to over 6,000 banks across 20 countries, to help support even better real-time lending decisions.

In addition to the robust checks which Klarna performs on each and every purchase, consumers will be able to securely share income and spending data from their bank accounts to confirm they can afford future repayments. This supports Klarna’s commitment to financial inclusion by giving safe access to credit for those individuals with a limited conventional credit history, which is reliant on the use of traditional credit and does not reflect how people are choosing to make payments today.

Klarna continues to drive innovation and change with the UK Credit Reference Agencies to enable all buy now pay later providers to share their data. When completed this work will reward the vast majority of Klarna customers who use BNPL responsibly with improved credit scores, and further protect consumers from accumulating debt.

As part of continuous efforts to lead the way on transparency and protection for consumers throughout their shopping and payment experience, Klarna has recently further strengthened the language visible at checkout to make it absolutely clear that BNPL options are credit products, with consequences for missed payments. It has also worked together with the consumer group, Fairer Finance, to make sure that terms & conditions are clear, simple and easy to understand. Additionally, Klarna has established its own complaints adjudicator for consumers who remain dissatisfied with how their complaint against Klarna has been handled.

Klarna took this measure after being informed by the Financial Ombudsman Service (FOS) that complaints about BNPL products currently could not be referred to FOS on a voluntary jurisdiction basis. Up and running for over 6 months now, this service is providing valuable recourse for consumers on the rare occasions when they are not happy with the way a complaint has been handled. 

Finally, Klarna has never charged late fees on its Pay in 30 or Pay in 3 BNPL products in the UK. From today, the company will now remove any remaining late fees from its regulated Financing product, which consumers use to spread the cost of higher value purchases over 6 - 36 months. This change drives better outcomes for consumers and means that, whatever Klarna product they choose to use, they can be confident they will not be charged late fees.

What Does Klarna's New Checkout Offer?

  • Pay Now: With ‘Pay Now’ consumers in the UK can pay immediately and in full wherever Klarna is available.
  • Pay in 30 Days: Make your payment in full 30 days after your purchase is shipped. No upfront payments, no interest, and no fees.
  • Pay in 3 interest-free installments: Split your purchase into three equal payments. Just enter the credit or debit card details of your choice and make automatic payments every 30 days. No credit checks, and no interest or fees
  • Part of a package of consumer-focussed changes to drive up standards across the UK payments industry. 
  • Even stronger credit and affordability checks, clear checkout language, simplified T&Cs, improved complaints handling and removal of last remaining late fees. 

Here’s How It Works

  1. Add your desired products to your cart
  2. Visit the cart page when ready to complete your order
  3. Fill in your shipping & billing information (You must include your email address & phone number)
  4. Scroll down and select your shipping method on the next page
  5. Apply your discount if any at the top of the last stage of checkout page
  6. Scroll down and you'll see Klarna payment option will be automatically selected as the first payment choice
  7. Scroll down to the bottom of the page and click "complete order"
  8. You will now be redirected to klarna to complete your payment
  9. Input your phone number so Klarna knows it's you
  10. Existing Klarna customers can then login and complete their payment
  11. New Klarna customers can complete the simple sign up form and be approved instantly to then complete your payment
  12. Once your payments completed Klarna will send you the relevant follow up emails and payment confirmations.
  13. We will then process your order right away
  14. Klarna will send you an email confirmation and reminders when it’s time to pay each month if you choose a finance option
  15. You can complete your future Klarna purchases with just one click

About Klarna

We make shopping smoooth. With Klarna consumers can buy now and pay later, so they can get what they love today. Klarna’s offering to consumers and retailers include payments, social shopping, and personal finances. Over 250,000 retail partners have enabled Klarna’s innovative shopping experience online and in-store. Klarna is one of the most highly valued private fintechs globally with a valuation of $45.6 billion. Klarna was founded in 2005, has over 4,000 employees and is active in 20 countries. For more information, visit

Pay online or in the app: Review your latest purchases and make payments in the Klarna app or online.

Safe and secure: With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases