Qitero Qitero

Klarna AT

Country: Austria (AT)  |  Payment Rail: closed_loop_wallet

BNPL Market Adoption: 15%

Klarna is a leading Buy Now Pay Later service and consumer financing platform in Austria, featuring Pay Later in 30 days and interest-free installments and widely used for online fashion, electronics, and lifestyle shopping.

🔄 User Payment Flow

  1. Shopper selects Klarna at checkout (Invoice / Pay in 3 / Financing)
  2. Shopper inputs identification and phone number for real-time risk check
  3. Klarna approves order instantly and confirms invoice delivery to consumer email
  4. Shopper receives goods and pays Klarna within 30 days via Klarna app or bank transfer

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls PSP Klarna API endpoint during checkout session
  • Klarna evaluates consumer creditworthiness in real time
  • Klarna guarantees payout to merchant upfront upon shipping fulfillment

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen