Klarna (Portugal)

Country: Portugal (PT) | Payment Rail: bnpl

BNPL Market Adoption: 25%

Klarna Portugal offers 3 interest-free installments with automated card debit for Portuguese e-commerce merchants.

🔄 User Payment Flow

Customer selects Klarna 3-Installments at checkout
Klarna completes real-time soft credit check
Customer pays first installment with debit/credit card
Merchant receives full payment while Klarna collects remaining installments

⚙️ Characteristics & Settlement

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

🛠️ Merchant Integration Steps

Merchant API passes checkout payload to gateway (Stripe/Adyen)
PSP opens Klarna BNPL modal
PSP receives clearing notification and completes order

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen