Offer customers flexible payment options like buy now, pay later for products at checkout.

With Klarna, customers can pay for purchases over time, offering them flexible payment options at checkout. This feature works whether you process payments through Squarespace Payments or Stripe. Eligible customers will see a Klarna button on your checkout page and can complete their purchase using their saved Klarna information.

At this time, it's not possible for customers to use Klarna to purchase subscriptions, donations, Digital Products, or access to monetized content such as member sites.

Enable or disable Klarna

You can customize which payment methods you'd like to accept with Squarespace Payments in the Finance panel. If you use Stripe, Klarna is automatically enabled.

To enable Klarna for your customers:

1. Open the Settings panel.
2. Under Accept Credit Cards and More, click Manage Settings.
3. Under Manage Squarespace Payments, click the Payment methods tab.
4. Under Installments, switch the toggle next to Klarna to enable or disable it.

Note: Your store's currency must match the local currency for the country you chose in your Stripe account. For example, if you're a merchant with a Canadian Stripe account and you set your store's currency to USD, it's not possible to use Klarna.

Availability

To offer Klarna on your Squarespace store:

• You need to sell physical products.
• You need to use Squarespace Payments, or Stripe, as your payment solution.
• If your business is outside the UK, or a supported country in the European Economic Area (EEA), you can only sell to customers in your own country, and all transactions must be in your country's currency. For example, a US business can only sell to customers in the US and must charge in US dollars.
• If you’re a business in the UK or a supported country in the European Economic Area (EEA), you can sell to customers across the European Economic Area (EEA), UK, and Switzerland, and all transactions must be in the currency of the customer’s country. For example, a UK business can accept Klarna in Euros to sell to a customer in Germany.

Note: We’ll be rolling out Squarespace Payments to more countries soon. Review this availability guide to check if Squarespace Payments is available in your area.

Restrictions

In addition to the industry and business categories listed in Prohibited and restricted businesses, the following organizations aren’t eligible to use Klarna:

• Charities
• Political organizations, parties or initiatives
• Business-to-business (B2B) organizations

Supported devices and browsers

Shoppers can use Klarna on these devices and browsers:

• Computers: Chrome or Safari browsers
• Android phones and tablets: Chrome browser
• iPhones and iPads: Chrome or Safari browsers

To learn more, visit Google and Stripe’s documentation.

Klarna fees

Klarna's availability depends on your country of operation and payment processor. Fees are collected immediately after a successful transaction and are deducted from your total payout. The fees vary slightly depending on if you’re using Squarespace Payments or Stripe.

Klarna fees with Squarespace Payments

The payment processing fee for using Klarna is 5.49% + 0.30¢ per transaction. The standard Klarna processing fees through Squarespace Payments are as follows:

Australia	5.99% + A$0.30
Canada	5.45% + C$0.30
France	5.99% + €0.30
Germany	5.99% + €0.30
Ireland	5.99% + €0.30
New Zealand	5.99% + NZ$0.30
United Kingdom	5.99% + £0.30
United States	5.45% + $0.30

Note: There may be additional fees associated with using Squarespace Payments as your payment solution. Learn more about additional transaction fees.

Klarna fees with Stripe

For detailed information on Klarna transaction fees with Stripe, review Stripe’s documentation.

How Klarna works

Customers using Klarna as a payment method will be directed to Klarna's website to choose their desired payment option. After completing the prompts, they will return to your website to finalize the order. Klarna will offer payment options based on the customer's billing address and the total amount of the transaction.

After the payment is approved, the entire order amount (excluding fees) will be immediately transferred to your Payments balance. Klarna will handle collecting the purchase amount from the customer, including any future installment payments if necessary.

If a customer's Klarna transaction fails, it automatically cancels within 24 hours. They may receive an email from Klarna informing them of the cancellation or that the order period has expired. Failed payments won’t appear in the Orders panel. To learn more, visit Failed customer payments.

Note: Klarna approval is subject to their own eligibility criteria and transaction limits. Not all customers qualify for the maximum order amount. Squarespace doesn't control Klarna approval decisions or caps. For details, review Klarna's documentation.

Klarna payment options

The payment options available to your customers through Klarna vary by country and transaction amount. Klarna offers the following payment options:

• Klarna installments: customers pay for their purchase in three or four interest-free payments.
• Klarna financing: customers pay for their purchase over a longer term of up to 36 months, which may include interest.
• Klarna pay later: customers pay for the purchase in a single payment in 30 days from the date of purchase.
• Klarna pay now: customers pay for the purchase immediately using a linked card, bank debit, or bank transfer.

Review Klarna transactions

Klarna orders appear in the Payments and Donations panels. These payments aren't differentiated from other card transactions at this time, but you can review these payments in your payment processor. To learn more, visit Managing transactions or Managing donations.

Tip: If you don’t see the Klarna option at checkout, ensure that the order total is greater than $0.00.

Test a Klarna transaction

To place a test order with Klarna so you can see how customers use it, check out on your store or make a donation using Chrome on a PC or Android device.  

This will charge the credit card you've connected to Klarna, but you can cancel and refund the order or donation to remove this charge. A non-refundable Squarespace Commerce transaction fee may apply to your test order.

Limitations

When using Klarna, keep these limitations in mind:

• Subscription products: It’s not possible to sell subscription products using Klarna.
• Free shipping discounts: Klarna doesn't support free shipping discounts that are limited to certain shipping options. To work around this, apply the discount to all shipping options, or offer free shipping using a flat rate shipping option. You can limit the free flat rate option to specific products using fulfillment profiles.
• Local pickup: Klarna displays the buyer's address even when a local pickup option is selected, which may cause confusion. We recommend renaming pickup methods to include clear text (e.g., "Soho Local Pickup" instead of just "Soho"). 
• Custom forms: You need to complete any required custom forms before selecting Klarna. If the form is skipped, your customers may be prompted to fill it out before continuing to check out.
• Member Sites:  It’s not possible to sell access to monetized content such as member sites.

Shipping

You need to meet Klarna's shipping requirements to be covered by their program. Visit Klarna's help center to learn more about their merchant protection program.

Dispute management

A dispute occurs when a customer disputes a transaction through their bank. Klarna covers disputes from customer fraud or inability to repay installments, provided you follow Klarna’s shipping policy. Customers can open a dispute within 180 days of the original transaction. To learn more, visit Managing disputes with Squarespace Payments.

Refunds

You can refund Klarna charges up to 180 days after the payment completes. Klarna cancels any remaining payments on a refunded charge and returns the already-paid amount to the customer. Refunds usually take 5-7 business days to complete, but may take longer depending on the customer’s financial institution and the type of purchase. Klarna supports full and partial refunds. To learn more about issuing refunds, visit Managing transactions.