Qitero Qitero

Klarna (Netherlands)

Country: Netherlands (NL)  |  Payment Rail: bnpl

BNPL Market Adoption: 45%

Klarna Netherlands is Klarna Bank's BNPL service offering Pay Later in 30 days and interest-free installment auto-debit.

🔄 User Payment Flow

  1. Customer selects Klarna Pay Later / Pay in 3 at checkout
  2. Checkout presents Klarna authentication modal and terms
  3. Customer passes soft credit assessment and approves installment terms
  4. Klarna clears 100% order amount to merchant and collects payments from customer later

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway (Adyen / Stripe / Klarna API) for session token
  • PSP issues payment token and Klarna hosted checkout payload
  • PSP receives Klarna clearing webhook notification and confirms order status