Klarna (Spain)
Country: Spain (ES) | Payment Rail: bnpl
BNPL
Market Adoption: 30%
Klarna Spain is a leading BNPL service in Spain offering 3 interest-free installments with automated card debit.
🔄 User Payment Flow
- Customer selects Klarna 3-Installments at checkout
- Klarna performs instant soft credit assessment
- Customer pays first 1/3 installment using credit/debit card
- Merchant receives full order payment while Klarna handles remaining 2 installments
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | NO |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant API passes checkout details to PSP (Stripe/Adyen)
- PSP initializes Klarna session and opens modal
- PSP receives clearing webhook notification and releases order
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Stripe🔌 Adyen