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Klarna for companies: flexible payment solutions for merchants
Feb 17, 2025
Overview: Klarna for merchants
What does Klarna offer merchants?
Klarna purchase on account: Buy now, pay later
Installment payments with Klarna: More flexibility for customers
Klarna and the credit check: how it works
Requirements for merchants
When is Klarna worthwhile for companies?
Merchants benefit from Klarna when...
… they want to offer customers more flexibility and reduce abandoned purchases,
… their business model often involves larger shopping carts,
… they want to minimize the risk of non-payment.
Example 1: More designer sofas thanks to partial payments
An online furniture store sells designer sofas for €2,000. Many customers hesitate because the one-off payment is too high for them. With Klarna Pay in 3 or instalments, they can split the amount flexibly – the retailer receives their money immediately.
Example 2: The goods first, then the money
A fashion retailer notices that many customers are abandoning their orders. Klarna Pay later gives them the security of not having to pay until the goods have arrived. Klarna for retailers offers the chance of more orders without the risk of payment defaults.
Example 3: Fast payment for digital products
A software provider sells digital products. With Klarna Instant, payment is confirmed immediately, so access to the product is activated immediately. Because of the fast and smooth transactions, Klarna is ideal for companies that offer digital content or online services.
Klarna fees for sellers: transparent costs with Mollie
Klarna's fees for sellers depend on whether you offer Klarna directly or through a PSP like Mollie. With Klarna for merchants, you have two options:
Klarna through Mollie: simple, flexible, transparent
If you offer Klarna through Mollie, you only pay for successful transactions – with no hidden costs or long-term contracts. Klarna's costs for merchants are 2.99% + €0.35 per transaction. This means:
No long-term contract: Full flexibility with no long-term obligations
No fixed costs: Only pay if a transaction is successfully completed
All payments in one place: With Mollie, you can easily combine Klarna and other payment methods
Fees for Klarna and all other payment methods
Klarna directly: Individual contracts, long-term commitment
If you integrate Klarna directly, you enter into an individual contract with Klarna. Klarna's costs for companies can vary:
Fixed and percentage-based fees: Determined individually depending on the revenue model
Contract durations of up to 24 months: long-term commitment instead of flexible use
Additional fees possible: depending on region, industry and payment volume
If you want to use Klarna as a merchant, you can benefit from a simple and flexible solution with Mollie that works well in your online shop and at the point of sale – without complicated contract negotiations or hidden costs.
Disadvantages of Klarna: What merchants should be aware of
Klarna offers flexible payment methods, but the Klarna fees for sellers are higher than for credit cards or SEPA direct debits, for example – especially for installment payments. In addition, the credit check can cause abandoned purchases if customers are not approved. That's why it's important to offer at least one popular alternative to Klarna.
If you want to use Klarna as a company, you should also note the terms of the contract. Contracts with Klarna can run for up to 24 months and fees vary. With Mollie, on the other hand, integration is flexible: 2.99% + 0.35 euros per transaction – with no contract required.
How can I register with Klarna as a merchant?
You can register directly through Mollie or Klarna. The process is particularly easy through Mollie:
Create a Mollie account and enter your company details
Activate Klarna as a payment method
Undergo verification (usually takes just a few hours)
Receive payments with Klarna – directly in your online shop or at the point of sale
How much does Klarna cost for businesses?
Klarna's costs for merchants depend on the integration. Through Mollie, merchants pay 2.99% + €0.35 per successful transaction – with no binding contract or fixed costs. If you use Klarna directly, you can expect individual fees and possible contract durations. You can find details of the fees in the Mollie fee schedule.
How much does Klarna pay the retailer?
Retailers receive the full purchase amount, minus the Klarna fees, directly into their account. Klarna assumes the risk of non-payment and pays regardless of when or whether the customer pays. The payout is made via Mollie in the usual payment process with other transactions.
Can companies also pay via Klarna?
Klarna for businesses is only available in Sweden, Norway and Finland and requires merchant activation and a credit check. In Germany, Klarna is primarily designed for private customers. If you want to offer B2B payments, you can activate Billie via Mollie – the leading Buy Now, Pay Later service for business customers.
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