Qitero Qitero

Klarna BE

Country: Belgium (BE)  |  Payment Rail: closed_loop_wallet

BNPL Market Adoption: 3%

Klarna is a popular Buy Now Pay Later service in Belgium, featuring flexible interest-free installments and 30-day delayed invoices and widely used for online fashion, consumer electronics, and lifestyle retail.

🔄 User Payment Flow

  1. Shopper chooses Klarna (Pay in 3 or Pay in 30 days) at checkout
  2. Shopper completes brief credit assessment verification via phone OTP
  3. Klarna approves order instantly and schedules installment debits on shopper debit/credit card
  4. Merchant ships order immediately while shopper pays later in installments

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant sends checkout session to Klarna API / PSP partner
  • Klarna performs real-time fraud and underwriting check
  • Klarna guarantees full payment upfront to merchant regardless of shopper defaults

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen