Pay Over Time
with Klarna
Enable your customers to spread costs
conveniently over 6-36 months with Klarna.
Increase conversions
Offering customers the flexibility to spread costs over 6-36 months empowers them to make purchase decisions confidently. This financial flexibility not only reduces cart abandonment but also encourages more customers to convert.
Increase order value
Increase your revenue potential by providing extended payment plans through Klarna Pay Over Time. Allow your customers to spread costs over a period of 6-36 months, encouraging higher-value purchases.
Facilitate quicker sales
Facilitate quicker sales with Klarna Pay Over Time. The in-the-moment credit application ensures immediate customer approval, making the financing process seamless and accelerating the purchase decision.
What is Klarna
Pay Over Time?
With Klarna Pay Over Time, your customers get easy financing, perfect for high-value orders. No lengthy sign-ups—just a few details. Payments split over 3-36 months and we settle payments with you immediately after shipping. Klarna’s discreet credit check ensures eligibility during payment. Your customers conveniently pay later via Klarna app or portal, using options like credit cards.
How it works
01 - Provide info at checkout 
Depending on the integration, customer will need to fill out essential information before proceeding to payment options.
02 - Choose Klarna
Customer chooses Klarna among the different payment options, and will be re-directed to Klarna’s environment.
03 - Choose Pay Over Time with Klarna
Pay Over Time does not require registration or a credit report. The customer selects split at checkout, sees all costs and conditions and completes the purchase immediately.
04 - When the order is shipped
An invoice is sent to the customer every month which can be paid by bank transfer or with one click in the Klarna app.
How it works
01 - Provide info at checkout
Depending on the integration, customer will need to fill out essential information before proceeding to payment options.
02 - Choose Klarna
Customer chooses Klarna among the different payment options, and will be re-directed to Klarna’s environment.
03 - Choose Pay Over Time with Klarna
Pay Over Time does not require registration or a credit report. The customer selects split at checkout, sees all costs and conditions and completes the purchase immediately.
04 - When the order is shipped
An invoice is sent to the customer every month which can be paid by bank transfer or with one click in the Klarna app.
Benefits of Klarna through Nets
One agreement
One agreement to access all major
payment methods in the Nordics.
One integration
One single integration to accept all major
payment methods in the Nordics.
Flexibility
Choose your payment method mix and
style your checkout to suit your brand.
Speed
Fast checkouts with "Remember Me" functionality and quick wallet setup for customers.
Preference
100% coverage of all the most popular payment methods in the Nordics.
Reconciliation
Transactions will be visible in the same overview as all other payment methods.
Get started with Klarna payment solutions
Our turnover increased by 21.5%. Additionally, we have 28% more transactions – and 49% more orders from mobile.
Customer story
Jon-Inge Heldal
CEO Parkett.no
Previous payment solutions have given us lots of manual work. We had to log into several portals to manage transactions, and there was much fraud. With Nets Easy none of that is an issue anymore.
Cecilie Ciekals
Performance Marketing
Manager at Lampehuset
Our conversion rate increased from three to four percent, a very big change that resulted in an increase in completed purchases by 30%.
Customer story
Per Erik Kirkaune
Marketing Manager at Norsk Bildelsenter