Klarna (Germany)

Country: Germany (DE) | Payment Rail: bnpl

BNPL Market Adoption: 55%

Klarna Germany is the #1 BNPL provider, offering Pay Later invoice, 3 installments, and Financing, deeply aligned with Germany's Kauf auf Rechnung (invoice payment) consumer culture.

🔄 User Payment Flow

Customer selects Klarna Pay Later / Pay in 3 / Financing at checkout
Klarna performs instant soft credit check using German address and date of birth
Customer receives goods first; payment collected via SEPA direct debit after delivery
Klarna debits German bank account on due date(s)

⚙️ Characteristics & Settlement

Instant Payment	YES
Supports QR	NO
Supports Recurring	YES
Supports Refund	YES

🛠️ Merchant Integration Steps

Merchant API passes order to gateway (Stripe / Adyen)
PSP opens Klarna checkout modal
PSP receives Klarna authorization webhook and ships order

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Checkout.com🔌 Stripe🔌 Adyen