That's Why Klarna Makes Sense for Your Online Store
An online store that uses Klarna typically sells for higher amounts per order because the customer doesn’t have to decide whether to pay the entire amount at once. Klarna is built around three different payment options: Pay Now (pay immediately), Pay Later (pay within 14 to 30 days with no fees), and Slice It (split the payment into installments). The customer chooses their option at checkout, and you, as the store owner, receive the payment immediately regardless of the customer’s choice.
On Shoporama, Klarna is fully integrated via the Mollie payment gateway. This means you don’t need to set up a separate Klarna agreement. Once Mollie is active on your store, you can enable Klarna with just a few clicks.
How Klarna Works on Shoporama
Klarna is not a standalone gateway on Shoporama. Klarna is a payment method that is activated via Mollie. Mollie is a Dutch gateway that offers some of the industry’s best integrations with European BNPL services (Klarna, Afterpay, in3, and others).
When a customer selects Klarna in your online store:
- The customer selects Klarna in the Shoporama checkout and is redirected to Klarna’s own checkout flow
- The customer selects “Pay Now,” “Pay Later,” or “Slice It”
- Klarna performs a quick credit check (typically under 5 seconds)
- Klarna approves the payment, pays you upfront via Mollie, and the customer completes checkout
- The order is created in Shoporama with a payment status of “Approved”
You receive your payment just as you would with a card transaction. Klarna has assumed the credit risk.
What do you get as a store owner?
- Higher average order value. Online stores that offer Klarna typically see a 20 to 45 percent increase in average order value. Customers feel comfortable adding more items to their cart because they can split the payment.
- Three payment models in one integration. Pay Now, Pay Later, and Slice It are all part of a single agreement with Klarna via Mollie. You don’t have to choose one and opt out of the others.
- You receive the funds immediately. Klarna pays you upfront. The credit risk and collections are Klarna’s responsibility, not yours.
- Refunds are handled centrally. Full and partial refunds are processed directly from the Shoporama admin panel and forwarded to Mollie and Klarna. The money is returned to the customer’s Klarna account.
- Trustworthiness with a well-known name. For many customers, Klarna is synonymous with a secure checkout. The Klarna logo itself in the checkout page boosts conversion rates.
How to Get Started
- Set up an account with Mollie if you don’t already have one. Mollie typically approves accounts within 1 to 2 business days.
- Enable Klarna in your Mollie account. You can choose which of the three payment methods you want to offer (Pay Now, Pay Later, Slice It).
- Enter your Mollie API keys in Shoporama under Settings and Payment Gateways.
- Enable Klarna as a payment method in the same menu.
We have a complete guide to setting up Klarna as a payment method and a separate guide for the Mollie gateway. If you plan to sell in multiple countries, it’s also worth reading about country restrictions on payment methods.
Also, read about the Klarna feature in Shoporama for a complete overview of the feature and how it fits into the rest of the platform.
Fees and What You Need to Know
Klarna charges a percentage-based transaction fee on your sales price, which varies between approximately 2 and 4 percent depending on the payment method and your monthly revenue. Mollie does not charge any additional fees on top of Klarna’s. The current rates are specified in your Mollie and Klarna agreements.
Three important things to know:
- Pay Later and Slice It are not available globally. Klarna Pay Now works throughout Europe, but Pay Later and Slice It are only available in specific countries, including Denmark and Sweden. If you sell to customers outside Klarna’s coverage area, Klarna will not appear as an option for them.
- No recurring payments. Klarna cannot be used for subscription payments on Shoporama. If you sell subscriptions, recurring payments must be processed via card through QuickPay or PensoPay.
- Klarna’s credit assessment may reject the customer. If the customer cannot be approved for credit (e.g., due to lack of identification or poor credit history), Klarna will not appear as an option or will be rejected in the checkout flow. It’s a good idea to have a card payment option active as a backup.
Frequently Asked Questions About Klarna in Online Stores
Do I need a separate agreement with Klarna?
No. Once you have a Mollie agreement, you have access to Klarna through Mollie. You do not need to contact Klarna directly or negotiate a separate agreement. Mollie handles the entire integration and settlement process.
Can a customer return a Klarna payment?
Yes. You process the refund in the Shoporama admin in the same way as for a card payment. Klarna will then refund the money to itself or to the customer, depending on whether the customer has already paid or not.
What does the customer see at checkout?
The customer sees the Klarna logo and a brief description of the payment options (Pay Now, Pay Later, Split Payment). If the customer clicks on Klarna, they’re redirected to Klarna’s own checkout flow and are typically back on your store within 30 seconds.
Does the customer need to create a Klarna account?
No, not necessarily. Klarna can process first-time buyers without an account, especially for Pay Now. For Pay Later and Slice It, however, there is a credit check where the customer enters their social security number or similar identification.
Can I exclude Klarna from specific products or countries?
Yes. You can restrict Klarna to specific countries in the Shoporama admin. At the product level, you can use payment method restrictions to set rules for which payment methods appear for which products—for example, if you don’t want BNPL for physical gift cards.
How much does Klarna boost conversion rates?
It depends on your industry and price point. Online stores with high-priced items (over 1,500 DKK) often see the greatest impact. Across the industry, stores using Klarna report 20 to 45 percent higher average order values and 10 to 25 percent higher conversion rates.
What should I do if Klarna declines my customer?
Klarna’s credit assessment is independent, and as a store owner, you cannot influence it. It’s therefore a good idea to offer multiple payment methods so the customer can choose, for example, a credit card or MobilePay as an alternative. Very few customers are declined, but it does happen.
Does Klarna affect my accounting?
Klarna processes payments in a single batch, just like card payments. In your accounting software (e-conomic, Dinero, or another program), Klarna payments are recorded as a regular deposit from Mollie. If you have a web store using e-conomic or Dinero, the integration happens automatically.
Ready to offer Klarna in your online store?
Setting up a web store with Klarna typically takes 30 minutes if you already have a Mollie account, and 1 to 2 business days if you need to set up Mollie first. If you need help, email support@shoporama.dk, and we’ll guide you through the entire process.
Start a free Shoporama trial and see for yourself how easy it is to get an online store with Klarna up and running. No commitment, no setup fees, and no credit card required.