If you’re a merchant in the US who uses Squarespace Payments, you can offer Klarna as an alternative payment option for your customers. With Klarna, your customers can purchase an item with a range of payment options.

Klarna is available to US merchants only, and can't be used by customers to purchase subscriptions.

Enable or disable Klarna

You can customize which payment methods you'd like to accept with Squarespace Payments in the Payments panel.

To enable Klarna for your customers:

1. Open the Payments panel.
2. 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.

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.

How it 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.

Fees

The payment processing fee for using Klarna is 5.49% + 0.30¢ per transaction. There may be additional fees associated with using Squarespace Payments as your payment solution. To learn more, visit Squarespace Payments fees.

Non-eligibility

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

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

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 payments and payouts with Squarespace Payments.