Klarna Fee Calculator
Work out what Klarna costs a US merchant. Klarna publishes no rate of its own, so the calculator uses Stripe's published price for Klarna: 5.99% + $0.30 per transaction, more on international payments.
Visit Official Klarna WebsiteKlarna through Stripe: US shopper
5.99% + $0.30
Paying or getting paid across borders?Wise Business isn’t a card processor. It’s for the other side of the money: hold and convert 40+ currencies, and pay overseas contractors or suppliers, with the fee shown before you convert.
See Wise BusinessWhat Klarna costs a merchant
Klarna is a buy now, pay later service: by its own count, 120 million active consumers, with 26 countries supported (Klarna). The shopper splits the price; the store pays a fee on each sale.
Klarna does not publish that fee for US merchants. Its US business pricing page no longer exists, so the only published US price is Stripe's, for Klarna through Stripe: 5.99% + 30¢ per successful transaction, plus 1.5% on an international transaction and 1% more if the currency has to be converted. That is the price the calculator above charges. If you sign with Klarna directly, or through another payment provider, ask for your own rate and set it against these figures.
At 5.99% + $0.30, Klarna costs about 2.0 times a typical card payment (2.9% + $0.30): $6.29 against $3.20 on a $100 sale. Whether offering pay-later earns that back depends on your own sales, so test it against your margins rather than on anyone's averages.
How the Klarna fee is calculated
Stripe charges Klarna payments as a percentage of the sale plus a fixed amount, taken from what you receive:
| US shopper (domestic transaction) | 5.99% + $0.30 |
| International transaction | 7.49% + $0.30 (+1.5%) |
| International, with currency conversion | 8.49% + $0.30 (+1.5% and +1%) |
| Dispute you lose | $15 |
Worked example: a $200 order paid with Klarna
- • Customer purchase: $200.00
- • Percentage fee (5.99%): -$11.98
- • Fixed fee: -$0.30
- • You receive: $187.72
Total cost: $12.28, or 6.14% of the sale. From an international shopper the same order costs $15.28 (7.64%). The shopper, on Pay in 4, pays $50 four times, 14 days apart, with no interest.
Disputes
Stripe charges $15 for each Klarna dispute you lose. Klarna's own fee, for merchants with a direct agreement, is the same $15 in the US, charged only when a dispute closes against you, and $30 if your dispute rate stays above 1.5% for 3 months running on more than 100 orders (Klarna). From March 1, 2027, Klarna will charge it on card chargebacks whatever the outcome.
Comparing Klarna with Affirm or Afterpay
Get each provider's merchant rate for your business and set it against the figures above on your own average order: a fixed $0.30 weighs far more on a small order than on a large one. Compare the shopper's side too, since the plans you can offer (pay in four, monthly financing) and their late fees are what your customers see at checkout.
Klarna for shoppers: Pay in 4, interest & late fees
Everything above is what merchants pay. A shopper using Klarna pays nothing extra on Pay in 4 if every payment is on time (Klarna):
- • Pay in 4: four interest-free payments (0% APR). The first is taken when the order is confirmed, usually when it ships, and the rest every 14 days.
- • Late fee: up to $7 if a payment is still unpaid 10 days after its due date, and the late fees on one order never total more than 25% of the purchase.
- • Monthly financing (3 to 24 months): interest applies, from 0% to 35.99% APR depending on your credit and the term, issued by WebBank.
The 5.99% merchant fee is paid by the store, not by you.
Frequently Asked Questions
How much does Klarna charge merchants?
Klarna does not publish what it charges US merchants directly. The one published US price is Stripe's, for Klarna through Stripe: 5.99% + $0.30 per successful transaction, plus 1.5% on an international transaction and 1% more if the currency has to be converted. A dispute you lose costs $15. If you sign with Klarna directly or through another provider, ask for your rate and compare it with these.
Is Klarna free for customers?
Pay in 4 is interest-free when every payment is made on time. A payment still unpaid 10 days after its due date can cost a late fee of up to $7, and the late fees on one order never add up to more than 25% of the purchase. Klarna's monthly financing does charge interest: 0% to 35.99% APR depending on credit and term, over 3 to 24 months, issued by WebBank.
Does Klarna cost more than regular card processing?
Usually, yes. Through Stripe, Klarna costs 5.99% + $0.30, against 2.9% + $0.30 for a typical card payment: $6.29 against $3.20 on a $100 sale, about 2.0 times as much. Whether the extra cost pays for itself depends on what offering pay-later does for your own sales, so test it against your margins.
What does a Klarna dispute cost a merchant?
Stripe charges $15 for each dispute you lose on a Klarna payment. Klarna's own fee for merchants with a direct agreement is also $15 in the US, charged when a dispute closes against you, rising to $30 if your dispute rate stays above 1.5% for 3 months running on more than 100 orders. From March 1, 2027, Klarna will charge it on card chargebacks whatever the outcome.
What is Klarna's pricing?
For merchants, Klarna publishes no US price; through Stripe it is 5.99% + $0.30 per transaction (7.49% + $0.30 international, 8.49% + $0.30 with currency conversion). For shoppers, Pay in 4 is interest-free with a late fee of up to $7, and monthly financing over 3 to 24 months carries 0% to 35.99% APR depending on credit and term.
How much are Klarna late fees?
Up to $7, charged if a Pay in 4 payment is still unpaid 10 days after its due date. The total of late fees on an order never exceeds 25% of the purchase amount, and Pay in 4 charges no interest on top.
Does Klarna charge interest?
Not on Pay in 4, which is a 0% APR loan when paid on schedule. Klarna's monthly financing (3 to 24 months) does: its APR ranges from 0% to 35.99% depending on your credit and the term, issued by WebBank.
How does Klarna Pay in 4 work?
Pay in 4 splits a purchase into four interest-free payments. The first is taken when the merchant confirms the order, which for an online order is usually when it ships, and the other three every 14 days after that. A payment still unpaid 10 days after its due date can cost up to $7.
Last Updated: Fees checked October 21, 2026 against Stripe's pricing for Klarna and Klarna's own pages. Klarna publishes no direct US merchant rate, so ask Klarna or your payment provider for yours. How we check figures
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