Ecosystem Overview

Klarna has partnered with Stripe to offer an integrated payments solution for online Partners. Klarna can be added as a payment method with no separate onboarding or configuration.

Stripe acts as the acquirer and processor, managing onboarding, compliance, disputes and settlement. Klarna powers the end-customer experience, offering Pay in Full, Pay in N, Pay Later, and Financing.

Klarna is built into Stripe’s infrastructure and available across multiple integration paths. Each offers different levels of customization and Klarna feature support.

When you create a new Stripe account, Klarna is automatically available—no action required.

If Klarna isn’t enabled on your account:

Stripe Checkout and Payment Links are the fastest way to offer Klarna without any development. Klarna is included in the hosted checkout flow and shown automatically to eligible customers based on location, currency, and cart value.

Stripe handles the entire payment lifecycle:

The checkout payment selector, Klarna's brand presentation, and the order of payment methods in the checkout are managed by Stripe. Klarna Boost features like Express checkout and On-site messaging are not available by default, but may be layered on with Klarna’s SDK (engage your Stripe account team for access).

Payment Element gives you more control over the checkout UI while Stripe continues to manage Klarna eligibility and flow.

You get:

The checkout payment selector, Klarna's brand presentation are still controlled by Stripe. The order of payment methods in the checkout can be managed by the Partner. Klarna Boost features and upstream messaging are available via direct integration with Klarna's SDK.

Use Stripe’s Payment Intents API to fully control the Klarna experience.

This is the only path that enables:

Stripe Connect enables Klarna at scale for platforms and marketplaces.

If a sub-account wants to enable Klarna boost features, such as Express Checkout or On-site Messaging, availability depends on the type of integration the sub-account has with its platform. This may require integrating Klarna SDKs independently.

Klarna can also be activated through Stripe-integrated platforms:

For a full list, visit the Stripe Connectors page

To deliver a fully branded and high-converting Klarna experience, you can extend Stripe’s infrastructure with Klarna’s Web SDK.

This unlocks:

These features deepen Klarna’s visibility in your funnel, reduce friction, and build trust with customers. While they require technical integration beyond Stripe’s default setup, the payoff is a responsive, high-performing Klarna experience.

Best suited for Partners focused on user experience, repeat purchase behavior, and conversion lift.