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Send an SMS with the following information:

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Notes: This service is only for critical situations where your webshop is down or has serious problems. For regular support, please use our normal support channels.

Webshop with Klarna

Offer Klarna in your online shop and let customers choose between Pay Now, Pay Later and Slice It. How to set up Klarna on Shoporama via Mollie.

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Klarna is Europe's largest buy-now-pay-later provider. If you offer Klarna on your online store, you'll increase both conversion and average orders, especially on more expensive products. Here's how to get Klarna on your Shoporama shop via Mollie, what it costs and what limitations you need to know.

Why Klarna makes sense in your webshop

A webshop with Klarna typically sells for larger 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 methods: Pay Now (pay immediately), Pay Later (pay within 14 to 30 days without fees) and Slice It (split the payment into installments). The customer chooses in the checkout, and you as the store owner get the money immediately regardless of what the customer chooses.

On Shoporama, Klarna is fully integrated via the Mollie payment gateway. This means you don't need to download and set up a Klarna agreement separately. Once Mollie is active on your shop, you can turn on Klarna with a few clicks.

How Klarna works on Shoporama

Klarna is not a gateway in itself on Shoporama. Klarna is a payment method that is activated via Mollie. Mollie is a Dutch gateway that has some of the industry's best integrations to the European BNPL services (Klarna, Afterpay, in3, etc.).

When a customer chooses Klarna in your online shop:

  1. The customer selects Klarna in the Shoporama checkout and is sent to Klarna's own flow
  2. The customer chooses Pay Now, Pay Later or Slice It
  3. Klarna does a quick credit check (typically under 5 seconds)
  4. Klarna approves, pays you up front via Mollie, and the customer is through checkout
  5. The order is created in Shoporama with payment status approved

You have your money in the same way as with card payments. Klarna has taken over the credit risk.

What do you get as a store owner?

  • Higher average order. Online stores that offer Klarna typically see a 20 to 45 percent increase in average orders. Customers dare to add more to the basket because payment can be split up.
  • Three payment models in one integration. Pay Now, Pay Later and Slice It are one deal with Klarna via Mollie. You don't have to choose one and opt out of the others.
  • You have the money right away. Klarna settles you up front. The credit risk and collection is Klarna's, not yours.
  • Refunds are handled centrally. Full and partial refunds are made directly from the Shoporama admin and forwarded to Mollie and Klarna. The money is returned to the customer's Klarna account.
  • Credibility with a household name. For many customers, Klarna is synonymous with a secure checkout. The Klarna logo itself in the checkout has a conversion effect.

How to get started

  1. Create an agreement with Mollie if you don't already have one. Mollie typically approves in 1 to 2 business days.
  2. Activate Klarna in your Mollie account. You can choose which of the three payment methods you want to offer (Pay Now, Pay Later, Slice It).
  3. Enter your Mollie API keys in Shoporama under Settings and payment gateways.
  4. Enable Klarna as a payment method in the same menu.

We have a complete guide for setting up Klarna as a payment method and a separate guide for the Mollie gateway. If you're selling in multiple countries, it's also worth reading about country restrictions on payment methods.

Also read about the Klarna feature in Shoporama for a full overview of the feature and how it fits in with the rest of the platform.

Fees and what you need to be aware of

Klarna charges a percentage transaction fee of your sale price, which varies between approximately 2 and 4 percent depending on the payment method and your monthly revenue. Mollie does not charge extra fees on top of Klarna's. The current rates can be found in your Mollie and Klarna agreement.

Three things that are important to know:

  • Pay Later and Slice It are not global. 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 of Klarna's coverage area, Klarna will not appear as an option for them.
  • No recurring payments. Klarna can't be used for subscription payments on Shoporama. If you sell subscriptions, then the recurring payments must be made by card through QuickPay or PensoPay.
  • Klarna's credit rating can reject the customer. If the customer does not qualify for credit approval (for example, lack of identification or poor credit history), Klarna will not appear as an option or will be rejected in the flow. It is a good idea to have a card alternative active in parallel.

Frequently asked questions about Klarna in the online shop

Do I need to have a separate agreement with Klarna?

No, you don't. When 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.

Can the customer return a Klarna payment?

Yes, they can. You make a refund in the Shoporama admin in the same way as for card payments. Klarna then withdraws the money from itself or from 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 short description of the payment models (Pay Now, Pay Later, Split). If the customer clicks on Klarna, they are sent to Klarna's own flow and are typically back on your shop within 30 seconds.

Does the customer need to create a Klarna account?

No, not necessarily. Klarna can handle first-time buyers without an account, especially for Pay Now. However, for Pay Later and Slice It, there is a credit check where the customer enters a social security number or similar identification.

Can I remove Klarna from specific products or countries?

Yes, you can. 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 are shown for which products, for example, if you do not want BNPL on physical gift cards.

How much of a conversion effect does Klarna provide?

It depends on your industry and price points. Online stores with expensive items (over £1,500) often see the biggest effect. Across industries, stores with Klarna report 20 to 45 percent higher average order and 10 to 25 percent higher conversion.

What do I do if Klarna rejects my customer?

Klarna's credit rating is their own and you as a store owner cannot influence it. It's therefore a good idea to offer several payment methods so that the customer can choose a card or MobilePay as an alternative. Very few customers are declined, but it does happen.

Does Klarna affect my accounts?

Klarna settles collectively, just like card payments. In your accounting program (e-conomic, Dinero or other), Klarna payments are booked as a regular payment from Mollie. If you have a webshop with e-conomic or webshop with Dinero, it integrates automatically.

Ready to offer Klarna in your online shop?

A webshop with Klarna typically takes 30 minutes to go live if you already have a Mollie agreement, and 1 to 2 business days if you need to set up Mollie first. If you need help, write to support@shoporama.dk and we'll help you every step of the way.

Start a free Shoporama trial and see for yourself how easy it is to get a webshop with Klarna up and running. No commitment, no setup, no credit card required.

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The content on this page is for general information only and does not constitute legal, financial or other professional advice. The prices and calculation examples are indicative and based on publicly available information. Prices, fees and terms are subject to change. We recommend that you verify current prices with the provider in question and seek professional advice for specific legal or accounting questions. If you find an error, please contact us at support@shoporama.dk.