Qitero Qitero

Klarna NO

Country: Norway (NO)  |  Payment Rail: closed_loop_wallet

BNPL Market Adoption: 12%

Klarna is a leading Buy Now Pay Later service in Norway, featuring 30-day deferred invoice payments and flexible installments and widely used for online fashion, electronics, and lifestyle shopping.

🔄 User Payment Flow

  1. Shopper chooses Klarna (Pay in 30 days or Financing) at merchant checkout
  2. Shopper completes real-time identification via BankID on mobile
  3. Klarna approves order instantly and merchant delivers goods
  4. Shopper pays invoice within 30 days via Klarna app or bank transfer

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant creates checkout session with Klarna SDK / PSP
  • Klarna conducts real-time credit check and fraud scoring
  • Klarna assumes all credit risk and pays merchant upfront upon order fulfillment

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen