Klarna
Klarna is an online payment gateway. Terms are set per merchant rather than published, so the commercial profile below shows how Klarna structures its rate, settlement and contract.
Commercial profile
- Headline rate
- Bespoke per merchant
- Settlement
- 1 to 14 days
- Contract
- No contract
- Channels
- Online payments
- Tier
- Online payment gateway
Rate source: Klarna pricing, checked 24 September 2026. Published rates change, so confirm with Klarna before you sign.
Editorial notes
BNPL Pay-in-3, Pay-in-30. Strong abandoned-cart recovery.
More from the index
Compare against the full Card Acquirer Index or check the head-to-head matchups.
Official site: Klarna
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind MerchantHQ. His career runs through insurance, mortgages, commercial finance and fintech lending, including payments and merchant services. He writes the MerchantHQ library.
Last updated:
Payments review: Derren Powell, payments and fintech specialist, formerly Vice President, Business Development (Merchants) at Mastercard. Independent reviewer; the MerchantHQ editorial team retains control of the final content.