Overview
Klarna Pay Now integrates with Kustom checkout to provide shoppers with an immediate and secure way to pay.
Key characteristics:
Shoppers can select Klarna Pay Now directly in the Kustom checkout interface
Payments are completed through Klarna using real-time bank transfers or saved payment methods (depending on country)
The method provides fast payment confirmation, strong buyer protections, and a familiar checkout experience
Klarna Pay Now is part of Klarna’s broader “Pay Now / Pay Later / Installments” suite and is specifically for upfront payments
Availability
Klarna Pay Now is available in the following countries:
Country | Cards | Direct debit | Bank transfers | Swish |
Sweden | ✓ | ✓ | ✓ | ✓ |
Norway | ✓ |
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Finland | ✓ |
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Denmark | ✓ |
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Germany | ✓ |
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Austria | ✓ |
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Netherlands | ✓ |
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France | ✓ |
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United Kingdom | ✓ |
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Poland | ✓ |
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Switzerland | ✓ |
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Spain | ✓ |
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Belgium | ✓ |
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This payment method is widely used across European markets where bank-based payments are common.
What is Klarna Pay Now?
Klarna Pay Now allows shoppers to pay immediately at checkout. Unlike Klarna’s “Pay Later” and installment products, this method processes a direct, upfront payment.
Depending on country and bank availability, Klarna Pay Now supports:
Direct bank payments using secure authentication (including PSD2/SCA where applicable)
Card payments (Visa and Mastercard) processed by Klarna
Local payment methods such as Swish (Sweden) and Vipps (Norway)
Immediate payment confirmation
Direct debit using connected bank accounts (for example, autogiro rails in Sweden)
Direct debit: If shoppers pay with a connected bank account, the withdrawal takes place 1–2 business days after the store ships the order. If the withdrawal fails, Klarna sends an invoice to the customer’s email address.
Benefits for merchants
Higher conversion due to Klarna’s trusted checkout experience
Immediate payment confirmation
No additional integration or configuration
Reduced fraud risk from strong authentication
Benefits for shoppers
Instant payments without entering card details
Bank-level authentication
Klarna’s familiar interface
Klarna’s buyer protection and dispute handling
Availability in your checkout
Klarna Pay Now is automatically available based on the country where your business is registered. When your business is onboarded in a supported market, this payment method appears automatically for eligible shoppers.
Examples:
Businesses registered in Sweden get Klarna Pay Now (Sweden)
Businesses registered in Germany get Klarna Pay Now (SEPA-based options)
Businesses registered in Norway get Klarna Pay Now (Norway)
No additional setup is needed.
Manual enablement
No manual activation is required. Klarna Pay Now is included by default for merchants onboarded in supported countries.
Shopper experience
Checkout journey
The shopper experience follows Klarna’s standard Pay Now flow:
The shopper selects Klarna Pay Now in Kustom checkout
They choose their bank or saved payment method
Authentication is completed through their banking app or online banking
The payment processes in real time and the order is confirmed immediately
In many markets, shoppers see their local bank in Klarna’s bank-picker interface.
Integration and reporting
Integration requirements
No integration changes are needed. Klarna Pay Now is fully built into Kustom checkout and activates automatically based on your registered country.
Reporting
Transactions appear in your reporting and order management systems the same way as other payment methods. They are visible in Kustom Portal and included in standard reports. Your order management processes remain unchanged.