Before going through the different ways Klarna can be displayed at the checkout, let’s review all the assets available at checkout:

1. Payment Descriptor: name of the payment method in merchant checkout, automatically returned by Klarna in the API call.
2. Payment Subheader (optional): detailed description of available payment options.
3. Klarna Badge: it is shown next to the payment descriptor.
4. The Widget: it is loaded below the Payment Descriptor. It contains banners for Klarna Deals and 0% Financing promotion, and buyers protection information together with learn more.

Klarna API will respond automatically with corresponding payment descriptor for the market and language indicated by locale parameter in the API request.

While the implementation of the subheader is optional, we highly recommend the implementation of it to indicate to your customers the available payment methods that will be available if they continue with "Pay with Klarna" option.

Klarna Payments solution enables different payments method across all markets, based on the local regulations and other considerations, you may requiere to present Klarna options in a particular manner.

Choose between our 2 ways to display Klarna depending on your particular requirements, best practices and desire to promote specific options.

Separating Pay Now option and keep all flexible payment methods grouped boosts visibility of Klarna availability at the checkout and supports conversion increase.

Similarly this approach could be replicated to all payment categories in parallel, resulting in individual options presented for each or all of them. For example you could opt to promote financing as a separated option for orders above an specific value.

Presenting Klarna as a unique payment method in your checkout will allow a simplified and a cleaner checkout.

The widget should be loaded inline directly below the payment option in the checkout:

• The widget should not be loaded in a full screen which require customer to take another step:

• Have a different background color than the rest of the checkout:

• Avoid create home-built widgets:

• Avoid relying solely on widget content; instead, incorporate a descriptor following the above guidelines:

We recommend changing your payment button to Klarna’s payment button when a customer selects Klarna:

In case you want to keep a consistent payment button across all the payment providers in your checkout, follow these two guidelines:

• Use exactly the same payment button for all the payment providers.
• If you alter the copy of the Payment button depending on payment providers, it's important that you stick with the font that is already used and ONLY update copy to fit with Klarna. Approved copies are:

• Due to compliance reasons, you are not allowed to create a custom copy for Klarna referring to specific payment options:

• Use branding that are outdated or try to mimic our logo:

• Alter the font of the copy in an attempt to mimic Klarna.

Redirection is not needed by if you decide to do so, use the following copies:

• "After Clicking “X”, you will be redirected to Klarna"
• "You will be redirected to Klarna"
• "You will be redirected to Klarna to complete your purchase"

​Avoid using copies that are dependent on what payment options the customer have like:

• “They will be in touch when your payments are due"
• “You’ll need to provide a debit or credit card to pay for your 4-interest-free payments”

Klarna ensures you stay compliant and up-to-date with data-sharing, terms and conditions, and data protection. If you want to share data with Klarna you need to collect consent in the checkout. Read more about this here.