Klarna

Localized Messaging for Checkout

Find the latest Klarna payment descriptors per region and translations.
40 min read
This page provides static copy for checkout in each market and language, including payment method names, descriptors, disclosures, and payment button labels. The wording is fixed and doesn't include amounts.
If you use the Web SDK, Klarna shows dynamic copy instead, tailored to the order: the amounts and the payment offering for that total, in the customer's language. The dynamic copy stays up to date when Klarna changes it, so you only need these tables if you hardcode the copy in your checkout.

How to read the tables

Each market has three tables.
  • Payment category is the name of each payment method in every supported language. The Payment category column matches payment_method_categories.identifier in the create_session response, and the language columns are what you show in place of payment_method_categories.name.
  • Payment descriptors is the line under each payment method name. Use Three options when the checkout lists the payment methods separately, and Single option when it shows one Pay with Klarna option. Some markets require a disclosure after the descriptor so the checkout complies with the Consumer Credit Directive (CCD2). The tables put that disclosure in italics to separate it from the descriptor, but you don't need to italicize it in checkout.
  • Payment button is the button label, with and without the Klarna badge.
The screenshots show how this copy looks in checkout. One lists three payment methods, and the other shows a single Pay with Klarna option. The wording varies by market, so use the table for the market you're integrating.
Three options approachSingle option approach
Checkout showing Pay in full, Pay later, and Pay over time
Checkout showing one Pay with Klarna option

Europe

Austria

Payment CategoryEN-ATDE-AT
pay_nowPay in fullBezahle sofort
pay_laterPay laterBezahle später
pay_over_timePay over timeTeile die Kosten auf
klarnaPay with KlarnaMit Klarna bezahlen

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Financing: TIN (fixed) & APR: 17.9%. Loan total €XXX.XX. Fees: €0. Duration: 12 months. Pay in 3: APR: 0%. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total €XXX.XX. Fees: €0. Duration: 30 days. Attention! Borrowing costs money.
Pay over time
Flexible payments from 0% interest
Financing: TIN (fixed) & APR: 17.9%. Loan total €XXX.XX. Fees: €0. Duration: 12 months. Pay in 3: APR: 0%. Attention! Borrowing costs money.
  • German
Three options approachSingle option approach
Bezahle sofort
Sichere Zahlungen in Sekundenschnelle
Mit Klarna bezahlen
Flexible Zahlungsmethoden ab 0% Zinsen
Ratenkauf: TIN (fix) und eff. Jahreszins: 17,9%. Gesamtkreditbetrag € XXX.XX. Gebühren: € 0. Laufzeit: 12 Monate. In 3 zinsfreien Teilzahlungen bezahlen: eff. Jahreszins: 0%. In bis zu 30 Tagen bezahlen: eff. Jahreszins: 0%. Achtung. Geld leihen kostet Geld.
Bezahle später
Bezahl in bis zu 30 Tagen mit 0% Zinsen
TIN (fix) und eff. Jahreszins: 0%. Gesamtkreditbetrag: € XXX.XX. Gebühren: € 0. Laufzeit: 30 Tage. Achtung. Geld leihen kostet Geld.
Teile die Kosten auf
Flexible Zahlungsmethoden ab 0% Zinsen
Ratenkauf: TIN (fix) und eff. Jahreszins: 17,9%. Gesamtkreditbetrag € XXX.XX. Gebühren: € 0. Laufzeit: 12 Monate. In 3 zinsfreien Teilzahlungen bezahlen: eff. Jahreszins: 0%. Achtung. Geld leihen kostet Geld.

Payment Button approaches

CopyDE-AT
Without badgeMit Klarna fortfahren
With badgeWeiter mit

Belgium

Payment CategoryEN-BENL-BEFR-BE
pay_nowPay in fullBetaal nuPayez maintenant
pay_laterPay laterBetaal laterPayez plus tard
klarnaPay with KlarnaBetaal met KlarnaPayez avec Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay in 30: TIN (fixed) & APR: 0%. Loan total: €XXX.XX. Fees: €0. Duration: 30 days. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total €XXX.XX. Fees: €0. Duration: 30 days. Attention! Borrowing costs money.
  • Dutch
Three options approachSingle option approach
Betaal nu
Beveiligde betalingen binnen enkele seconden
Betaal met Klarna
Flexibele betaalopties vanaf 0% rente
Betaal binnen 30 dagen: Debetrentevoet (vast) en rentevoet: 0%. Totaal kredietbedrag: € XXX.XX. Vergoedingen: € 0. Looptijd: 30 dagen. Let op! Geld lenen kost ook geld.
Betaal later
Betaal binnen 30 dagen tegen 0% rente
Debetrentevoet (vast) en rentevoet: 0%. Totaal kredietbedrag € XXX.XX. Vergoedingen: € 0. Looptijd: 30 dagen. Let op! Geld lenen kost ook geld.
  • French
Three options approachSingle option approach
Payez maintenant
Paiement sécurisé en quelques secondes
Payez avec Klarna
Paiements flexibles à partir de 0% d’intérêts
Paiement à 30 jours : TIN (fixe) et TAP : 0 %. Montant total du crédit : XXX.XX €. Frais : 0 €. Durée : 30 jours. Attention ! Un crédit coûte de l’argent et doit être remboursé.
Payez plus tard
Paiement à 30 jours à 0 % d’intérêts
TIN (fixe) et TAP : 0 %. Le montant total du crédit est de XXX.XX €. Frais : 0 €. Durée : 30 jours. Attention ! Un crédit coûte de l’argent et doit être remboursé.

Payment Button approaches

CopyNL-BEFR-BE
Without badgeDoorgaan met KlarnaContinuer avec Klarna
With badgeDoorgaan metContinuer avec

Czech Republic

Payment CategoryEN-CZCS-CZ
pay_nowPay in fullZaplatit hned
pay_laterPay laterZaplatit později
pay_over_timePay in 3Zaplať ve 3 platbách
klarnaPay with KlarnaZaplatit přes Klarnu

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay in 3: TIN (fixed) & APR: 0%. Loan total: XXX.XX kč. Fees: 0 kč. Duration: 2 months. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total XXX.XX kč. Fees: 0 kč. Duration: 30 days. Attention! Borrowing costs money.
Pay in 3
3 payments at 0% interest
TIN (fixed) & APR: 0%. Loan total: XXX.XX kč. Fees: 0 kč. Duration: 2 months. Attention! Borrowing costs money.
  • Czech
Three options approachSingle option approach
Zaplatit hned
Zabezpečené platby během pár sekund
Zaplatit přes Klarnu
Flexibilní platby s úrokem od 0%
Zaplať ve 3 platbách: úroková sazba (pevná) a RPSN: 0 %. Celková výše úvěru: XXX.XX Kč. Poplatky: 0 Kč. Doba trvání: 2 měsíce. Zaplať za 30 dní: RPSN: 0 %. Pozor! Půjčování peněz něco stojí.
Zaplatit později
Zaplať za 30 dní s 0% úrokem
Úroková sazba (pevná) a RPSN: 0 %. Celková výše úvěru XXX.XX Kč. Poplatky: 0 Kč. Doba trvání: 30 dnů. Pozor! Půjčování peněz něco stojí.
Zaplať ve 3 platbách
3 platby s 0% úrokem
Úroková sazba (pevná) a RPSN: 0 %. Celková výše úvěru: XXX.XX Kč. Poplatky: 0 Kč. Doba trvání: 2 měsíce. Pozor! Půjčování peněz něco stojí.

Payment Button approaches

CopyCS-CZ
Without badgePokračovat s Klarna
With badgePokračovat s

Denmark

Payment CategoryEN-DKDK-DK
pay_nowPay in fullBetal nu
pay_laterPay laterBetal senere
pay_over_timePay in 3Betal i 3 dele
klarnaPay with KlarnaBetal med Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay in 3: TIN (fixed) & APR: 0%. Loan total: XXX.XX kr. Fees: 0 kr. Duration: 2 months. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total XXX.XX kr. Fees: 0 kr. Duration: 30 days. Attention! Borrowing costs money.
Pay in 3
3 payments of 1 000 kr at 0% interest
TIN (fixed) & APR: 0%. Loan total: XXX.XX kr. Fees: 0 kr. Duration: 2 months. Attention! Borrowing costs money.
  • Danish
Three options approachSingle option approach
Betal nu
Sikre betalinger på få sekunder
Betal med Klarna
Fleksible betalingsmetoder fra 0% i rente
Betal i 3 dele: TIN (fast) og APR: 0%. Samlet lånebeløb: XXX.XX kr. Gebyrer: 0 kr. Løbetid: 2 måneder. Betal om 30 dage: APR: 0%. Bemærk! Det koster penge at låne.
Betal senere
Betal om 30 dage med 0% rente
TIN (fast) og APR: 0%. Samlet lånebeløb: XXX.XX kr. Gebyrer: 0 kr. Løbetid: 30 dage. Bemærk! Det koster penge at låne.
Betal i 3 dele
3 betalinger med 0% i rente
TIN (fast) og APR: 0%. Samlet lånebeløb: XXX.XX kr. Gebyrer: 0 kr. Løbetid: 2 måneder. Bemærk! Det koster penge at låne.

Payment Button approaches

CopyDA-DK
Without badgeFortsæt med Klarna
With badgeFortsæt med

Finland

Payment CategoryEN-FIFI-FISV-FI
pay_nowPay in fullMaksa hetiBetala direkt
pay_laterPay laterMaksa myöhemminBetala senare
pay_over_timePay over timeMaksa osissaDela upp betalningen
klarnaPay with KlarnaMaksa KlarnallaBetala med Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Financing: TIN (fixed) & APR: 18.9%. Loan total €XXX.XX. Fees: €0. Duration: 12 months. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total €XXX.XX. Fees: €0. Duration: 30 days. Attention! Borrowing costs money.
Pay over time
Monthly financing options from 3 to 36 months
Attention! Borrowing costs money.
  • Finnish
Three options approachSingle option approach
Maksa heti
Suojatut maksut sekunneissa
Maksa Klarnalla
Joustavat maksut – korko alkaen 0%
Rahoitus: TIN (kiinteä) ja APR: 18,9 %. Maksettava kokonaismäärä: XXX.XX €. Lisämaksut: 0 €. Luottoaika: 12 kuukautta. Maksa 30 päivän kuluessa: APR: 0 %. Huomio! Luoton ottaminen maksaa.
Maksa myöhemmin
Maksa 30 päivän kuluessa 0 %:n korolla
TIN (kiinteä) ja APR: 0 %. Maksettava kokonaismäärä: XXX.XX €. Lisämaksut: 0 €. Luottoaika: 30 päivää. Huomio! Luoton ottaminen maksaa.
Maksa osissa
Rahoitus 3–36 kuukaudeksi
Huomio! Luoton ottaminen maksaa.
  • Swedish
Three options approachSingle option approach
Betala direkt
Betala tryggt på några sekunder
Betala med Klarna
Flera betalningsalternativ med ränta från 0%
Finansiering: TIN (fast) och APR: 18,9%. Totalt lånebelopp: XXX.XX €. Avgifter: 0 €. Löptid: 12 månader. Betala inom 30 dagar: APR: 0%. Observera! Det kostar att låna pengar.
Betala senare
Betala inom 30 dagar med 0% ränta
TIN (fast) och APR: 0%. Totalt lånebelopp: XXX.XX €. Avgifter: 0 €. Löptid: 30 dagar. Observera! Det kostar att låna pengar.
Dela upp betalningen
Finansiering med månadsbetalning i 3–36 månader
Observera! Det kostar att låna pengar.

Payment Button approaches

CopyFI-FISV-FI
Without badgeJatka KlarnallaFortsätt med Klarna
With badgeValitse maksutavaksiFortsätt med

France

Payment CategoryEN-FRFR-FR
pay_nowPay in fullPayez maintenant
pay_laterPay laterPayez plus tard
pay_over_timePay over timePayez en plusieurs fois
klarnaPay with KlarnaPayez avec Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Financing: TIN (fixed) & APR: 22.99%. Loan total €XXX.XX. Fees: €0. Duration: 12 months. Pay in 3: APR: 0%. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total €XXX.XX. Fees: €0. Duration: 30 days. Attention! Borrowing costs money.
Pay over time
Flexible payments from 0% interest
Financing: TIN (fixed) & APR: 22.99%. Loan total €XXX.XX. Fees: €0. Duration: 12 months. Pay in 3: APR: 0%. Attention! Borrowing costs money.
  • French
Three options approachSingle option approach
Payez maintenant
Paiement sécurisé en quelques secondes
Payez avec Klarna
Paiements flexibles dès 0% d’intérêts
Financement : taux débiteur fixe et TAEG : 22,99 %. Montant total dû : XXX.XX €. Frais : 0 €. Durée : 12 mois. Paiement en 3 fois : TAEG de 0 %. Paiement à 30 jours : TAEG de 0 %. Attention ! Un crédit coûte de l’argent et doit être remboursé.
Payez plus tard
Le Paiement à 30 jours à 0 % d’intérêts
Taux débiteur fixe et TAEG : 0 %. Montant total dû : XXX.XX €. Frais : 0 €. Durée : 30 jours. Attention ! Un crédit coûte de l’argent et doit être remboursé.
Payez en plusieurs fois
Paiements flexibles dès 0% d’intérêts
Financement : taux débiteur fixe et TAEG : 22,99 %. Montant total dû : XXX.XX €. Frais : 0 €. Durée : 12 mois. Paiement en 3 fois : TAEG de 0 %. Attention ! Un crédit coûte de l’argent et doit être remboursé.

Payment Button approaches

CopyFR-FR
Without badgeContinuer avec Klarna
With badgeContinuer avec

Germany

Payment CategoryEN-DEDE-DE
pay_nowPay in fullBezahle sofort
pay_laterPay laterBezahle später
pay_over_timePay over timeTeile die Kosten auf
klarnaPay with KlarnaMit Klarna bezahlen

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Financing: TIN (fixed) & APR: 13.27%. Loan total €XXX.XX. Fees: €0. Duration: 12 months. Pay in 3: APR: 0%. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total €XXX.XX. Fees: €0. Duration: 30 days. Attention! Borrowing costs money.
Pay over time
Flexible payments from 0% interest
Financing: TIN (fixed) & APR: 13.27%. Loan total €XXX.XX. Fees: €0. Duration: 12 months. Pay in 3: APR: 0%. Attention! Borrowing costs money.
  • German
Three options approachSingle option approach
Bezahle sofort
Sichere Zahlungen in Sekundenschnelle
Mit Klarna bezahlen
Flexible Zahlungsmethoden ab 0% Zinsen
Ratenkauf: Fester Sollzins und eff. Jahreszins: 13,27 %. Gesamtkreditbetrag XXX.XX €. Gebühren: 0 €. Laufzeit: 12 Monate. In 3 zinsfreien Teilzahlungen bezahlen: eff. Jahreszins: 0 %. In bis zu 30 Tagen bezahlen: eff. Jahreszins: 0 %. Achtung! Geld leihen kostet Geld.
Bezahle später
Bezahle in bis zu 30 Tagen zinsfrei
Fester Sollzins und eff. Jahreszins: 0 %. Gesamtkreditbetrag XXX.XX €. Gebühren: 0 €. Laufzeit: 30 Tage. Achtung! Geld leihen kostet Geld.
Teile die Kosten auf
Flexible Zahlungsmethoden ab 0% Zinsen
Ratenkauf: Fester Sollzins und eff. Jahreszins: 13,27 %. Gesamtkreditbetrag XXX.XX €. Gebühren: 0 €. Laufzeit: 12 Monate. In 3 zinsfreien Teilzahlungen bezahlen: eff. Jahreszins: 0 %. Achtung! Geld leihen kostet Geld.

Payment Button approaches

CopyDE-DE
Without badgeMit Klarna fortfahren
With badgeWeiter mit

Greece

Payment CategoryEN-GREL-GR
pay_nowPay in fullΣυνολική πληρωμή τώρα
pay_laterPay laterΠληρωμή αργότερα
pay_over_timePay in 3Πληρωμή σε 3 δόσεις
klarnaPay with KlarnaΠληρωμή με την Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay in 3: TIN (fixed) & APR: 0%. Loan total: €XXX.XX. Fees: €0. Duration: 2 months. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total €XXX.XX. Fees: €0. Duration: 30 days. Attention! Borrowing costs money.
Pay in 3
3 payments of €133.33 at 0% interest
TIN (fixed) & APR: 0%. Loan total: €XXX.XX. Fees: €0. Duration: 2 months. Attention! Borrowing costs money.
  • Greek
Three options approachSingle option approach
Συνολική πληρωμή τώρα
Ασφαλείς πληρωμές σε δευτερόλεπτα
Πληρωμή με την Klarna
Ευέλικτοι τρόποι πληρωμής με επιτόκιο από 0%
Πληρωμή σε 3 δόσεις: Ονομαστικό επιτόκιο (σταθερό) και ετήσιο %: 0%. Συνολικό ποσό δανείου: XXX.XX €. Χρεώσεις: 0 €. Διάρκεια: 2 μήνες. Πληρωμή σε 30 μέρες: Ετήσιο %: 0%. Προσοχή! Ο δανεισμός κοστίζει χρήματα.
Πληρωμή αργότερα
Πληρωμή σε 30 μέρες με 0% επιτόκιο
Ονομαστικό επιτόκιο (σταθερό) και ετήσιο %: 0%. Συνολικό ποσό δανείου: XXX.XX €. Χρεώσεις: 0 €. Διάρκεια: 30 ημέρες. Προσοχή! Ο δανεισμός κοστίζει χρήματα.
Πληρωμή σε 3 δόσεις
3 πληρωμές με 0% επιτόκιο
Ονομαστικό επιτόκιο (σταθερό) και ετήσιο %: 0%. Συνολικό ποσό δανείου: XXX.XX €. Χρεώσεις: 0 €. Διάρκεια: 2 μήνες. Προσοχή! Ο δανεισμός κοστίζει χρήματα.

Payment Button approaches

CopyEL-GR
Without badgeΣυνέχισε με την Klarna
With badgeΣυνέχεια με

Hungary

Payment CategoryEN-HUHU-HU
pay_nowPay in fullFizetés teljes összegben
pay_laterPay laterFizetés később
pay_over_timePay in 3Fizetés 3 részletben
klarnaPay with KlarnaFizetés a Klarnával

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay in 3: TIN (fixed) & APR: 0%. Loan total: XXX.XX Ft. Fees: 0 Ft. Duration: 2 months. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total XXX.XX Ft. Fees: 0 Ft. Duration: 30 days. Attention! Borrowing costs money.
Pay in 3
3 payments of 50 000 Ft at 0% interest
TIN (fixed) & APR: 0%. Loan total: XXX.XX Ft. Fees: 0 Ft. Duration: 2 months. Attention! Borrowing costs money.
  • Hungarian
Three options approachSingle option approach
Fizetés teljes összegben
Biztonságos fizetések pillanatok alatt
Fizetés a Klarnával
Rugalmas fizetések akár 0%-os kamattal
Fizetés 3 részletben: Kamat (rögzített) és THM: 0%. Teljes visszafizetendő összeg: XXX.XX Ft. Díjak: 0 Ft. Futamidő: 2 hónap. Fizetés 30 napon belül: THM: 0%. Figyelem! A hitelfelvétel pénzbe kerül.
Fizetés később
Fizetés 30 napon belül 0%-os kamattal
Kamat (rögzített) és THM: 0%. Teljes visszafizetendő összeg: XXX.XX Ft. Díjak: 0 Ft. Futamidő: 30 nap. Figyelem! A hitelfelvétel pénzbe kerül.
Fizetés 3 részletben
3 fizetés 0%-os kamattal
Kamat (rögzített) és THM: 0%. Teljes visszafizetendő összeg: XXX.XX Ft. Díjak: 0 Ft. Futamidő: 2 hónap. Figyelem! A hitelfelvétel pénzbe kerül.

Payment Button approaches

CopyHU-HU
Without badgeFolytatás a Klarnával
With badgeFolytatás a

Ireland

Payment CategoryEN-IE
pay_nowPay in full
pay_laterPay later
pay_over_timePay in 3
klarnaPay with Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay in 3: TIN (fixed) & APR: 0%. Loan total: €XXX.XX. Fees: €0. Duration: 2 months. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total €XXX.XX. Fees: €0. Duration: 30 days. Attention! Borrowing costs money.
Pay in 3
3 payments at 0% interest
TIN (fixed) & APR: 0%. Loan total: €XXX.XX. Fees: €0. Duration: 2 months. Attention! Borrowing costs money.

Payment Button approaches

CopyEN-IE
Without badgeContinue with Klarna
With badgeContinue with

Italy

Payment CategoryEN-ITIT-IT
pay_nowPay in fullPaga ora
pay_laterPay laterPaga dopo
pay_over_timePay over timePaga nel tempo
klarnaPay with KlarnaPaga con Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Financing: TIN (fixed) & APR: 21.9%. Loan total €XXX.XX. Fees: €0. Duration: 12 months. Pay in 3: APR: 0%. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total €XXX.XX. Fees: €0. Duration: 30 days. Attention! Borrowing costs money.
Pay over time
Flexible payments from 0% interest
Financing: TIN (fixed) & APR: 21.9%. Loan total €XXX.XX. Fees: €0. Duration: 12 months. Pay in 3: APR: 0%. Attention! Borrowing costs money.
  • Italian
Three options approachSingle option approach
Paga ora
Pagamenti sicuri in pochi secondi
Paga con Klarna
Pagamenti flessibili con interessi a partire dallo 0%
Finanziamento: TAN fisso e TAEG: 21,9%. Importo totale dovuto: XXX.XX €. Commissioni: 0 €. Durata: 12 mesi. Paga in 3 rate: TAEG: 0%. Paga dopo 30 giorni: TAEG: 0%. Attenzione! Chiedere un prestito costa denaro.
Paga dopo
Paga dopo 30 giorni a interessi zero
TAN fisso e TAEG: 0%. Importo totale dovuto: XXX.XX €. Commissioni: 0 €. Durata: 30 giorni. Attenzione! Chiedere un prestito costa denaro.
Paga nel tempo
Pagamenti flessibili con interessi a partire dallo 0%
Finanziamento: TAN fisso e TAEG: 21,9%. Importo totale dovuto: XXX.XX €. Commissioni: 0 €. Durata: 12 mesi. Paga in 3 rate: TAEG: 0%. Attenzione! Chiedere un prestito costa denaro.

Payment Button approaches

CopyIT-IT
Without badgeContinua con Klarna
With badgeContinua con

Netherlands

Integration requirement
In the Netherlands, credit advertising has to carry the official credit warning from the Dutch Authority for the Financial Markets (AFM). It isn't included in these tables. Use the warning sentence and symbol from the AFM, rather than a version of your own.
Payment CategoryEN-NLNL-NL
pay_nowPay in fullBetaal nu
pay_laterPay laterBetaal later
pay_over_timePay in 3Betaal in 3 delen
klarnaPay with KlarnaBetaal met Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay in 3: TIN (fixed) & APR: 0%. Loan total: €XXX.XX. Fees: €0. Duration: 2 months. Pay in 30: APR: 0%.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total €XXX.XX. Fees: €0. Duration: 30 days.
Pay in 3
3 payments of €133.33 at 0% interest
TIN (fixed) & APR: 0%. Loan total: €XXX.XX. Fees: €0. Duration: 2 months.
  • Dutch
Three options approachSingle option approach
Betaal nu
Veilige betalingen binnen enkele seconden
Betaal met Klarna
Flexibele betalingen vanaf 0% rente
Betaal in 3 delen: nominale rente (vast) en rentepercentage: 0%. Totaal kredietbedrag: € XXX.XX. Kosten: € 0. Looptijd: 2 maanden. Betaal binnen 30 dagen: rentepercentage: 0%.
Betaal later
Betaal binnen 30 dagen tegen 0% rente
Nominale rente (vast) en rentepercentage: 0%. Totaal kredietbedrag: € XXX.XX. Kosten: € 0. Looptijd: 30 dagen.
Betaal in 3 delen
3 betalingen met 0% rente
Nominale rente (vast) en rentepercentage: 0%. Totaal kredietbedrag: € XXX.XX. Kosten: € 0. Looptijd: 2 maanden.

Payment Button approaches

CopyNL-NL
Without badgeDoorgaan met Klarna
With badgeDoorgaan met

Norway

Payment CategoryEN-NONO-NO
pay_nowPay nowBetal nå
pay_laterPay laterBetal senere
pay_over_timeFinancingDelbetaling
klarnaPay with KlarnaBetal med Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full today
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay later
Pay in 30 days at 0% interest
Financing
Flexible payments from 0% interest
  • Norwegian
Three options approachSingle option approach
Betal nå
Sikre betalinger på sekunder
Betal med Klarna
Fleksible betalinger fra 0 % rente
Betal senere
Betal om 30 dager med 0 % rente
Delbetaling
Fleksible betalinger fra 0 % rente

Payment Button approaches

CopyNB-NO
Without badgeFortsett med Klarna
With badgeFortsett med

Poland

Payment CategoryEN-PLPL-PL
pay_nowPay in fullZapłać teraz
pay_laterPay laterZapłać później
pay_over_timePay in 3Zapłać w 3 ratach
klarnaPay with KlarnaZapłać z Klarną

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay in 3: TIN (fixed) & APR: 0%. Loan total: XXX.XX zl. Fees: 0 zl. Duration: 2 months. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total XXX.XX zl. Fees: 0 zl. Duration: 30 days. Attention! Borrowing costs money.
Pay in 3
3 payments at 0% interest
TIN (fixed) & APR: 0%. Loan total: XXX.XX zl. Fees: 0 zl. Duration: 2 months. Attention! Borrowing costs money.
  • Polish
Three options approachSingle option approach
Zapłać teraz
Bezpieczne płatności w kilka sekund
Zapłać z Klarną
Elastyczne płatności z oprocentowaniem od 0%
Zapłać w 3 ratach: roczna stopa oprocentowania (stała) i RRSO: 0%. Całkowita kwota finansowania: XXX.XX zł. Opłaty: 0 zł. Okres finansowania: 2 miesiące. Spłata za 30 dni: RRSO: 0%. Uwaga! Pożyczanie pieniędzy kosztuje.
Zapłać później
Spłata za 30 dni z oprocentowaniem 0%
Roczna stopa oprocentowania (stała) i RRSO: 0%. Całkowita kwota finansowania: XXX.XX zł. Opłaty: 0 zł. Okres finansowania: 30 dni. Uwaga! Pożyczanie pieniędzy kosztuje.
Zapłać w 3 ratach
3 płatności z oprocentowaniem 0%
Roczna stopa oprocentowania (stała) i RRSO: 0%. Całkowita kwota finansowania: XXX.XX zł. Opłaty: 0 zł. Okres finansowania: 2 miesiące. Uwaga! Pożyczanie pieniędzy kosztuje.

Payment Button approaches

CopyPL-PL
Without badgeKontynuuj z Klarna
With badgeKontynuuj z

Portugal

Payment CategoryEN-PTPT-PT
pay_nowPay in fullPaga a totalidade
pay_laterPay laterPagar mais tarde
pay_over_timePay in 3Paga em 3 vezes
klarnaPay with KlarnaPaga com Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay in 3: TIN (fixed) & APR: 0%. Loan total: €XXX.XX. Fees: €0. Duration: 2 months. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total €XXX.XX. Fees: €0. Duration: 30 days. Attention! Borrowing costs money.
Pay in 3
3 payments at 0% interest
TIN (fixed) & APR: 0%. Loan total: €XXX.XX. Fees: €0. Duration: 2 months. Attention! Borrowing costs money.
  • Portuguese
Three options approachSingle option approach
Paga a totalidade
Pagamentos seguros em segundos
Paga com Klarna
Pagamentos flexíveis a partir de 0% de juros
Paga em 3 vezes: TAN (fixa) e TAEG: 0%. Montante total do crédito: XXX.XX €. Taxas: 0 €. Prazo: 2 meses. Paga ao fim de 30 dias: TAEG: 0%. Atenção! Pedir dinheiro emprestado custa dinheiro.
Pagar mais tarde
Paga ao fim de 30 dias com 0% de juros
TAN (fixa) e TAEG: 0%. Montante total do crédito de XXX.XX €. Taxas: 0 €. Prazo: 30 dias. Atenção! Pedir dinheiro emprestado custa dinheiro.
Paga em 3 vezes
3 pagamentos com 0% de juros
TAN (fixa) e TAEG: 0%. Montante total do crédito: XXX.XX €. Taxas: 0 €. Prazo: 2 meses. Atenção! Pedir dinheiro emprestado custa dinheiro.

Payment Button approaches

CopyPT-PT
Without badgeContinuar com Klarna
With badgeContinuar com

Romania

Payment CategoryEN-RORO-RO
pay_nowPay in fullPlătește integral
pay_laterPay laterPlătește mai târziu
pay_over_timePay in 3Plătește în 3 rate
klarnaPay with KlarnaPlătește cu Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay in 3: TIN (fixed) & APR: 0%. Loan total: XXX.XX lei. Fees: 0 lei. Duration: 2 months. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total XXX.XX lei. Fees: 0 lei. Duration: 30 days. Attention! Borrowing costs money.
Pay in 3
3 payments at 0% interest
TIN (fixed) & APR: 0%. Loan total: XXX.XX lei. Fees: 0 lei. Duration: 2 months. Attention! Borrowing costs money.
  • Romanian
Three options approachSingle option approach
Plătește integral
Plăți sigure în doar câteva secunde
Plătește cu Klarna
Plăți flexibile cu dobândă de la 0%
Plătește în 3 rate: rata dobânzii nominale (fixă) și dobânda anuală (DA): 0%. Valoarea totală a creditului: XXX.XX lei. Taxe: 0 lei. Durata: 2 luni. Plătește în 30 de zile: dobânda anuală (DA): 0%. Atenție! Împrumuturile costă bani.
Plătește mai târziu
Plătește în 30 de zile cu 0% dobândă
Rata dobânzii nominale (fixă) și dobânda anuală (DA): 0%. Valoarea totală a creditului: XXX.XX lei. Taxe: 0 lei. Durata: 30 de zile. Atenție! Împrumuturile costă bani.
Plătește în 3 rate
3 plăți cu 0% dobândă
Rata dobânzii nominale (fixă) și dobânda anuală (DA): 0%. Valoarea totală a creditului: XXX.XX lei. Taxe: 0 lei. Durata: 2 luni. Atenție! Împrumuturile costă bani.

Payment Button approaches

CopyRO-RO
Without badgeContinuă cu Klarna
With badgeContinuă cu

Slovakia

Payment CategoryEN-SKSK-SK
pay_nowPay in fullPlatba v plnej výške
pay_laterPay laterPlatba neskôr
pay_over_timePay in 3Zaplať v 3 platbách
klarnaPay with KlarnaZaplatiť Klarnou

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay in 3: TIN (fixed) & APR: 0%. Loan total: €XXX.XX. Fees: €0. Duration: 2 months. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total €XXX.XX. Fees: €0. Duration: 30 days. Attention! Borrowing costs money.
Pay in 3
3 payments of €133.33 at 0% interest
TIN (fixed) & APR: 0%. Loan total: €XXX.XX. Fees: €0. Duration: 2 months. Attention! Borrowing costs money.
  • Slovak
Three options approachSingle option approach
Platba v plnej výške
Zabezpečené platby za pár sekúnd
Zaplatiť Klarnou
Flexibilné platby s úrokom od 0%
Zaplať v 3 platbách: úroková sadzba (fixná) a RPMN: 0 %. Celková výška úveru: XXX.XX €. Poplatky: 0 €. Doba splatnosti: 2 mesiace. Zaplať do 30 dní: RPMN: 0 %. Pozor! Požičanie peňazí niečo stojí.
Platba neskôr
Zaplať do 30 dní s 0 % úrokom
Úroková sadzba (fixná) a RPMN: 0 %. Celková výška úveru: XXX.XX €. Poplatky: 0 €. Doba splatnosti: 30 dní. Pozor! Požičanie peňazí niečo stojí.
Zaplať v 3 platbách
3 platby s 0% úrokom
Úroková sadzba (fixná) a RPMN: 0 %. Celková výška úveru: XXX.XX €. Poplatky: 0 €. Doba splatnosti: 2 mesiace. Pozor! Požičanie peňazí niečo stojí.

Payment Button approaches

CopySK-SK
Without badgePokračovať s Klarnou
With badgePokračovať s

Spain

Payment CategoryEN-ESES-ES
pay_nowPay in fullPaga ahora
pay_laterPay laterPaga más tarde
pay_over_timePay over timePago flexible
klarnaPay with KlarnaPaga con Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Financing: TIN (fixed) & APR: 21.9%. Loan total €XXX.XX. Fees: €0. Duration: 12 months. Pay in 3: APR: 0%. Pay in 30: APR: 0%. Attention! Borrowing costs money.
Pay later
Pay in 30 days at 0% interest
TIN (fixed) & APR: 0%. Loan total €XXX.XX. Fees: €0. Duration: 30 days. Attention! Borrowing costs money.
Pay over time
Flexible payments from 0% interest
Financing: TIN (fixed) & APR: 21.9%. Loan total €XXX.XX. Fees: €0. Duration: 12 months. Pay in 3: APR: 0%. Attention! Borrowing costs money.
  • Spanish
Three options approachSingle option approach
Paga ahora
Pagos seguros en segundos
Paga con Klarna
Pagos flexibles desde el 0% de intereses
Financiación: TIN fijo y TAE: 21,9 %. Importe total del crédito: XXX.XX €. Comisiones: 0 €. Plazo: 12 meses. Paga en 3 plazos: TAE: 0 %. Paga en 30 días: TAE: 0 %. ¡Atención! Pedir dinero prestado cuesta dinero.
Paga más tarde
Paga en 30 días al 0% de intereses
TIN fijo y TAE: 0 %. Importe total del crédito: XXX.XX €. Comisiones: 0 €. Plazo: 30 días. ¡Atención! Pedir dinero prestado cuesta dinero.
Pago flexible
Pagos flexibles desde el 0% de intereses
Financiación: TIN fijo y TAE: 21,9 %. Importe total del crédito: XXX.XX €. Comisiones: 0 €. Plazo: 12 meses. Paga en 3 plazos: TAE: 0 %. ¡Atención! Pedir dinero prestado cuesta dinero.

Payment Button approaches

CopyES-ES
Without badgeContinuar con Klarna
With badgeContinuar con

Sweden

Payment CategoryEN-SESV-SEFI-SE
pay_nowPay in fullBetala direktMaksa koko summa
pay_laterPay laterBetala senareMaksa myöhemmin
pay_over_timePay over timeDela upp betalningenMaksa erissä
klarnaPay with KlarnaBetala med KlarnaMaksa Klarnalla

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments
Attention! Borrowing costs money.
Pay later
Pay in 30 days
Attention! Borrowing costs money.
Pay over time
Monthly financing options from 3 to 36 months
Attention! Borrowing costs money.
  • Swedish
Three options approachSingle option approach
Betala direkt
Säkra betalningar på nolltid
Betala med Klarna
Flexibla betalningsalternativ
Observera! Att låna kostar pengar.
Betala senare
Betala inom 30 dagar
Observera! Att låna kostar pengar.
Dela upp betalningen
Dela upp månadsvis i 3 till 36 månader
Observera! Att låna kostar pengar.
  • Finnish
Three options approachSingle option approach
Maksa koko summa
Maksa turvallisesti sekunneissa
Maksa Klarnalla
Joustavat maksut
Huomio! Luoton ottaminen maksaa.
Maksa myöhemmin
Maksa 30 päivän kuluessa
Huomio! Luoton ottaminen maksaa.
Maksa erissä
Kuukausirahoitus 3–36 kuukaudeksi
Huomio! Luoton ottaminen maksaa.

Payment Button approaches

CopySV-SEFI-SE
Without badgeFortsätt med KlarnaJatka Klarnalla
With badgeFortsätt medValitse maksutavaksi

Switzerland

Payment CategoryEN-CHDE-CHFR-CHIT-CH
pay_nowPay in full todaySofort bezahlenPayer maintenantPaga ora
pay_laterPay laterSpäter bezahlenPayer dans 30 joursPaga dopo
pay_over_time3 interest-free installments3 zinsfreie TeilzahlungenPayer en 3 fois sans fraisDividi il costo
klarnaPay with KlarnaFlexibel bezahlenPaiements flexibles avec KlarnaPaga con Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full today
No fees, no interest.
Pay with Klarna
Pay now, in 30 days or over two months.
Pay later
Pay in 30 days.
3 interest-free installments
Pay over two months.
  • German
Three options approachSingle option approach
Sofort bezahlen
Bezahle sicher und schnell per Sofortüberweisung.
Flexibel bezahlen
Bezahle sicher und schnell per Sofortüberweisung, in bis zu 30 Tagen oder über zwei Monate.
Später bezahlen
Bezahle in bis zu 30 Tagen.
3 zinsfreie Teilzahlungen
Bezahle über zwei Monate.
  • French
Three options approachSingle option approach
Payer maintenant
Payer la totalité aujourd’hui.
Paiements flexibles avec Klarna
Payer la totalité aujourd’hui, plus tard ou en 3 versements.
Payer dans 30 jours
Payer plus tard.
Payer en 3 fois sans frais
Payer en 3 versements.
  • Italian
Three options approachSingle option approach
Paga ora
Paga tutto oggi.
Paga con Klarna
Paga tutto oggi, dopo 30 giorni o in 3 rate senza interessi.
Paga dopo
Paga dopo 30 giorni.
Dividi il costo
Paga in 3 rate senza interessi.

Payment Button approaches

DE-CHFR-CHIT-CH
Without badgeWeiter mit KlarnaContinuer avec KlarnaContinua con Klarna
With badgeWeiter mitContinuer avecContinua con

United Kingdom

Payment CategoryEN-GB
pay_nowPay in full
pay_laterPay later
pay_over_timePay over time
klarnaPay with Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments
Late payments may incur fees and affect your credit rating. T&Cs apply.
Pay later
Pay in 30 days at 0% interest
Late payments may incur fees and affect your credit rating. T&Cs apply.
Pay over time
Flexible payments
Financing representative APR 21.9% (fixed). Pay in 3: APR 0%. Late payments may incur fees and affect your credit rating. T&Cs apply.

Payment Button approaches

CopyEN-GB
Without badgeContinue with Klarna
With badgeContinue with

Americas

Canada

Payment CategoryEN-CAFR-CA
pay_nowPay in fullPayez maintenant
pay_laterPay laterPayez plus tard
pay_over_timePay over timePayez en plusieurs fois
klarnaPay with KlarnaPayez avec Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay later
Pay in 30 days at 0% interest
Pay over time
Flexible payments from 0% interest
  • French
Three options approachSingle option approach
Payez maintenant
Paiement sécurisé en quelques secondes
Payez avec Klarna
Paiements flexibles dès 0% d’intérêts
Payez plus tard
Le Paiement à 30 jours à 0 % d’intérêts
Payez en plusieurs fois
Paiements flexibles dès 0% d’intérêts

Payment Button approaches

EN-CAFR-CA
Without badgeContinue with KlarnaContinuer avec Klarna
With badgeContinue withContinuer avec

Mexico

Payment CategoryEN-MXES-MX
pay_laterPay laterPaga más tarde
pay_over_timePay over timePago flexible
klarnaPay with KlarnaPaga con Klarna

Payment Descriptors Approaches

  • English
Two options approachSingle option approach
Pay later
Pay in 30 days at 0% interest
Pay with Klarna
Flexible payments from 0% interest
Pay over time
Flexible payments from 0% interest
  • Spanish
Two options approachSingle option approach
Paga más tarde
Paga en 30 días al 0% de intereses
Paga con Klarna
Pagos flexibles desde el 0% de intereses
Pago flexible
Pagos flexibles desde el 0% de intereses

Payment Button approaches

ES-MX
Without badgeContinuar con Klarna
With badgeContinuar con

United States

Payment CategoryEN-USES-US
pay_nowPay in fullPaga ahora
pay_laterPay laterPaga más tarde
pay_over_timePay over timePago flexible
klarnaPay with KlarnaPaga con Klarna

Payment Descriptors Approaches

  • English
Three options approachSingle option approach
Pay in full
Secure payments in seconds
Pay with Klarna
Flexible payments from 0% interest
Pay later
Pay in 30 days at 0% interest
Pay over time
Flexible payments from 0% interest
  • Spanish
Three options approachSingle option approach
Paga ahora
Pagos seguros en segundos
Paga con Klarna
Pagos flexibles desde el 0% de intereses
Paga más tarde
Paga en 30 días al 0% de intereses
Pago flexible
Pagos flexibles desde el 0% de intereses

Payment Button approaches

EN-USES-US
Without badgeContinue with KlarnaContinuar con Klarna
With badgeContinue withContinuar con

Asia and Oceania

Australia

Payment CategoryEN-AU
pay_nowPay in full today
pay_laterPay later
pay_over_timePay in 4
klarnaFlexible payments with Klarna

Payment Descriptors Approaches

Three options approachSingle option approach
Pay in full today
No fees, no interest.
Flexible payments with Klarna
Pay now, in 4 payments of $x.xx or in 30 days.
Pay later
Pay in 30 days.
Pay in 4
Pay in 4 payments of $x.xx.

Payment Button approaches

EN-AU
Without badgeContinue with Klarna
With badgeContinue with

New Zealand

Payment CategoryEN-NZ
pay_over_timePay with Klarna
pay_laterPay later
klarnaPay with Klarna

Payment Descriptors Approaches

Two options approachSingle option approach
Pay with Klarna
Pay in 4 payments of $x.xx.
NA
Pay later
Pay in 30 days.
NA

Payment Button approaches

EN-NZ
Without badgeContinue with Klarna
With badgeContinue with
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