Klarna Fee Calculator
Calculate Klarna merchant processing fees for buy now, pay later (BNPL) and installment payments. See exact costs for offering flexible payment options that boost sales.
Klarna Fee Calculator
Klarna Fee Structure:
- • Fixed fee: $0.30
- • Percentage fee: 3.29%
- • Minimum fee: $0.30
Klarna is the world's leading buy now, pay later (BNPL) service, with over 150 million active users across 45 countries. Founded in Sweden in 2005, Klarna allows customers to split purchases into interest-free installments or defer payment. Merchants report up to 45% higher average order values and 30% lower cart abandonment when offering Klarna.
Klarna charges merchants 3.29% + $0.30 per transaction, which includes fraud protection, customer credit risk, and payment guarantee. Merchants receive payment immediately regardless of whether customers complete their installment payments.
How Klarna Fees Are Calculated
Klarna uses a straightforward pricing model: 3.29% + $0.30 per transaction, regardless of payment option (Pay in 4, Pay in 30, or Financing). No setup fees or monthly minimums.
Klarna Fee Structure:
- Standard Rate: 3.29% + $0.30
- Pay in 4: Same rate
- No Chargebacks: Included
- Fraud Protection: Included
- No Setup Fees: Free to start
- Credit Risk: Klarna assumes
Example Calculation:
Purchase of $200 via Klarna:
- • Sale amount: $200.00
- • Percentage fee: 3.29% = $6.58
- • Fixed fee: $0.30
- • Total Klarna fee: $6.88
- • Net received: $193.12
Tips to Maximize ROI with Klarna
Highlight at Checkout
Display Klarna prominently showing "As low as $X/month" to increase conversion and maximize benefits that offset higher fees.
Focus on High-Ticket Items
Klarna works best for purchases $50+. The premium is negligible compared to 45% average order value increases.
Negotiate Volume Rates
High-volume merchants ($500k+ monthly) can negotiate rates as low as 2.49% + $0.30 with Klarna.
Frequently Asked Questions
How much does Klarna charge merchants?
Klarna charges merchants 3.29% + $0.30 per transaction for buy now, pay later services. This includes fraud protection, credit risk coverage, and dispute resolution. No setup or monthly fees.
Is Klarna free for customers?
Yes, Klarna is free for customers when payments are made on time. Pay in 4 and Pay in 30 have no interest charges. Late fees may apply for missed payments (up to $7).
Does Klarna have higher fees than regular processors?
Yes, Klarna (3.29% + $0.30) is about 0.4% more than Stripe (2.9% + $0.30). However, Klarna merchants report 45% higher average order values and 30% lower cart abandonment, often generating 50-60% more net revenue despite premium pricing.
Does Klarna protect merchants from fraud?
Yes, Klarna assumes 100% of fraud and default risk. Merchants receive payment immediately and in full. If customers default or commit fraud, Klarna absorbs the loss—not the merchant.
Last Updated: October 2025 | Klarna fees may vary by country and volume. Please verify current rates on the official Klarna website.