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Klarna Cost
Introduction to Klarna Cost
Klarna Cost: Payment Gateways and Platforms Supported by Klarna
Klarna integrates seamlessly with a variety of popular payment gateways and platforms, enabling businesses to offer flexible payment options.
- Stripe -Customers can split their purchase into four interest-free payments with Stripe charging 5.99% + $0.30 per transaction for the "Pay in 4" option or pay the full amount in 30 days, interest-free, with the same fee structure for the "Pay Later" option. For financing (monthly installments) for 6 to 36 months, Stripe charges 2.99% + $0.30 per transaction.
- PayPal -PayPal ensures seamless integration and user-friendly payment experiences. For "Pay in 4," customers can split purchases into four interest-free payments made bi-weekly over six weeks, with no interest or late fees. For larger purchases, the "Pay Monthly" option allows customers to choose payment plans of 6, 12, or 24 months, with interest rates ranging from 9.99% to 35.99% depending on the customer's credit, and no sign-up or late fees.
- Adyen -Klarna Payment Options with Adyen include: Pay Now, an immediate payment via bank transfer with example costs of Sweden (€0.11 + 1.35% + SEK 2.00), Switzerland (€0.11 + 1.35% + CHF 0.20), and Germany/Netherlands/Belgium (€0.11 + 1.35% + €0.20); Pay Later, where customers can pay the full amount within 30 days with example costs of the United Kingdom (€0.11 + 2.90% + £0.20), Finland (€0.11 + 2.79% + €0.59), and Norway (€0.11 + 2.79% + NOK 5.90); and Pay Over Time (Installments), allowing customers to spread the cost over several months with example costs of the United States/Canada (€0.11 + 4.29% + $0.30), the United Kingdom (€0.11 + 4.99% + £0.20), Australia (€0.11 + 4.29% + $0.30), and Germany (€0.11 + 2.99%).
- Shopify-The costs of using Klarna with Shopify involve various transaction fees depending on the payment option selected. The "Pay in 4 Installments" option allows customers to split their purchase into four interest-free payments, with a fee of 2% + £0.20 per transaction for merchants. The "Pay Later" option, which lets customers pay the full amount within 30 days, also incurs a fee of 2% + £0.20 per transaction. For the "Financing" option, which enables customers to spread the cost over several months, fees start at 2% + £0.20 per transaction and vary based on specific terms and duration. Additionally, Klarna allows refunds to be processed within 180 days of the initial charge and handles the dispute process if a chargeback is initiated, giving merchants seven days to respond to dispute notifications.
- BigCommerce -When using Klarna with BigCommerce, merchants incur various transaction fees based on the payment option selected. The "Pay in 4 Installments" option allows customers to divide their purchase into four interest-free payments, with merchant fees typically starting at 2% + $0.30 per transaction. The "Pay Later" option lets customers pay the full amount within 30 days without any interest, generally incurring a fee of around 2% + $0.30 per transaction for merchants. Lastly, the "Financing" option enables customers to finance their purchases over several months, with fees starting at 2% + $0.30 per transaction, which can vary depending on the specific terms and duration of the financing.
- Magento -For transactions, the "Pay in 4 Installments" option allows customers to divide their purchase into four interest-free payments, with merchants typically incurring a fee of around 2% + $0.30 per transaction. The "Pay Later" option enables customers to pay the full amount within 30 days without any interest, usually carrying a fee of about 2% + $0.30 per transaction. The "Financing" option permits customers to spread the cost over several months, starting with fees at 2% + $0.30 per transaction, though this may vary based on the specific terms and duration of the financing.
- WooCommerce -Using Klarna with WooCommerce incurs various transaction fees depending on the payment option chosen. The "Pay in 4 Installments" option, which allows customers to divide their purchase into four interest-free payments, typically has a fee of around 2% + $0.30 per transaction. The "Pay Later" option, enabling customers to pay the full amount within 30 days without any interest, usually carries a fee of about 2% + $0.30 per transaction. Additionally, the "Financing" option, which allows customers to spread the cost over several months, starts with fees at 2% + $0.30 per transaction, potentially varying based on the specific terms and duration of the financing.
Klarna Cost: Pricing Overview
- Klarna Pay Later -Klarna's Pay Later option typically involves transaction fees ranging from 3.29% + $0.30 to 5.99% + $0.30 per transaction, with payment terms allowing customers to pay within 14 or 30 days.
- Klarna Pay Now -Klarna's Pay Now option typically involves a transaction fee of around 2.99% + $0.30 per transaction.
- Klarna Financing -Klarna's Financing option features transaction fees that range from 3.29% + $0.30 to 5.99% + $0.30 and provides financing plans that span from 6 to 36 months.
- Klarna's Merchant Fees-Klarna's merchant fees include monthly charges that vary according to the merchant's agreement and sales volume. Typically, there are no setup fees, although this can depend on the specific terms of the agreement.
- Chargebacks and Additional Costs -Chargebacks typically incur fees of around $25 per dispute. Additionally, using Klarna may involve extra costs, such as currency conversion fees for international transactions and integration fees, which can vary depending on the e-commerce platform used.
Klarna Cost: For Business Use
Klarna for Business serves a diverse range of merchants, from small businesses to large enterprises, providing scalable payment solutions. It is available in various countries across Europe, North America, and beyond, and integrates with popular e-commerce platforms such as WooCommerce, Shopify, BigCommerce, and Magento. Supporting industries like fashion, electronics, home goods, beauty, and travel, Klarna requires merchants to adhere to local regulations and submit necessary documentation during the sign-up process.
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