Klarna PL

Country: Poland (PL) | Payment Rail: closed_loop_wallet

BNPL Market Adoption: 3%

Klarna is a prominent Buy Now Pay Later payment solution in Poland, featuring 30-day interest-free deferred invoices and flexible installments and widely used for online fashion, consumer tech, and lifestyle shopping.

🔄 User Payment Flow

Shopper chooses Klarna (Pay in 30 days or Pay in 3) at checkout
Shopper enters phone number and receives verification SMS OTP
Klarna approves order and shopper pays later through the Klarna app
Merchant ships order immediately

⚙️ Characteristics & Settlement

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

🛠️ Merchant Integration Steps

Merchant calls Klarna API / PSP partner during checkout
Klarna evaluates customer creditworthiness in real time
Klarna guarantees upfront merchant settlement upon order fulfillment

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen