Partner-facing messaging toolkit
Approved Partner-facing copy, stats, and disclaimers for Acquiring Partners communicating Klarna's benefits on websites, emails, dashboards, and marketing.
14 min read
How to use this toolkit
This toolkit gives Acquiring Partners approved Partner-facing copy for communicating Klarna's benefits to the businesses that access Klarna through your integration.
- Replace [AP] with your brand name before any copy goes live.
- Adapt wording for your voice and audience; keep claims and disclaimers as written unless your Klarna partner team confirms a change.
- This is Partner-facing copy only — baseline messaging that APs use to communicate Klarna's benefits across their own channels and touchpoints (e.g., partner directories, email announcements, websites, dashboards, and marketing). It is not sales enablement for your internal teams.
Questions or approvals: contact your Klarna partner team.
Klarna brand assets
When building co-branded, partner-facing materials — use approved Klarna logos and partnership lock-ups using these brand guidelines:
- Follow the Klarna brand portal for logo usage, colors, and co-branding rules.
- Use the approved logos, download below.
Approved stats and disclaimers
Use these consistently across all touchpoints. Approved stats are updated quarterly — always use the latest version from this toolkit before publishing.
| Stat | Approved wording |
|---|---|
| Shoppers | 120m+ shoppers (or "more than 120 million active shoppers") |
| Merchant partners | 1.2m+ merchant partners |
| Transaction volume | 3.8m daily transactions |
| Payment markets | 26+ markets |
Performance stats:
- +20% conversion
- +40% order value
- +46% purchase frequency
Required whenever performance, market or product proof points appear: Results vary by merchant, market, and vertical. Available across 26+ markets; products vary by market and merchant category. Source: klarna.com/international/enterprise.
Copy by touchpoint
Baseline copy for each surface. Combine, shorten, or adapt — follow the copy rules at the end of this document.
Quoted blocks are approved wording. Leave claims and disclaimers as written, including "merchant" and "shopper" where they appear.
Partner directory
Use for: Short description in a partner listing or marketplace — earns the click to your Klarna section.
Short description
Klarna on [AP] brings flexible ways to pay through one integration — trusted by 120m+ shoppers and 1.2m+ merchant partners. Merchants get paid upfront while Klarna handles credit and fraud risk. Results vary by merchant, market, and vertical.
Alternate short description (benefit-led)
Offer Klarna at checkout through [AP]. Give customers flexible ways to pay, reach 120m+ active shoppers, and get paid upfront on every transaction — with no new agreement required.
Suggested benefit bullets (pick 4–6)
- Single integration through [AP] — no new agreement required
- +20% higher conversion on average
- +40% higher average order value on average
- Reach 120m+ active Klarna shoppers
- Merchants paid upfront; Klarna manages the payment journey
- Available in 26+ markets
Web page
Use for: Dedicated Klarna section or page on your site.
Headline options (pick one)
- Flexible payments that grow your sales
- Klarna on [AP]: more ways to pay, more sales
- The payment option 120m+ shoppers already ask for — now on [AP]
Sub-headline
Klarna is the everyday finance network available through [AP]. Give your customers more ways to pay at checkout — in full, later, or over time — with one integration and nothing new for them to sign up for.
Primary CTA: Get started with Klarna on [AP]
What Klarna is
Section headline: The everyday finance network your customers already trust
Section body: Klarna is the everyday finance network trusted by more than 120 million active shoppers and 1.2m+ merchant partners worldwide. It gives your customers more ways to pay — in full, later, or over time — through a single checkout experience.
Proven merchant outcomes
Section headline: More sales. Bigger baskets. More repeat customers.
Section body: Merchants who add Klarna see, on average, 20% higher conversion, 40% higher order values, and 46% higher purchase frequency. That's because Klarna's shoppers already know and trust the brand — when they see it at checkout, they complete the purchase.
What you get with Klarna on [AP]
Section headline: What you get with Klarna on [AP]
| Benefit | Copy |
|---|---|
| Flexible payment options | Shoppers choose how to pay. Options are determined by Klarna based on shopper profile and merchant category — no configuration required on your end. |
| Global reach | Klarna operates in 26+ markets, helping you reach high-intent shoppers with local payment preferences built in. |
| Fast & simple integration* | Enable Klarna through [AP] — activation is immediate, with simple setup and no separate Klarna integration or disruption to existing systems. |
| Available through [AP] | Klarna is already integrated through [AP] — access it through your existing relationship, with no separate Klarna build required on your side. |
| Automatic updates | You always have the latest Klarna capabilities without additional integration work. Klarna updates automatically. |
| Paid upfront | You receive full payment on every Klarna transaction — regardless of how the shopper chooses to pay. |
| Credit and fraud protection | Klarna absorbs the credit and fraud risk on every transaction. You focus on your business; Klarna handles what goes wrong. |
| No separate Klarna agreement (partner-specific)* | No separate Klarna agreement or onboarding required — Klarna is part of your [AP] set-up. |
Partner-specific claims (no separate Klarna agreement, ease of enablement, fast activation) must be confirmed for each AP. If not applicable, delete the row and use baseline language only.
Getting started
Section headline: Available through [AP] today
Section body: Klarna is available through [AP] — no separate Klarna agreement and no separate onboarding required. Available across 26+ markets; products vary by market and merchant category.
Results vary by merchant, market, and vertical. Available across 26+ markets; products vary by market and merchant category. Source: klarna.com/international/enterprise.
Email / newsletter
Use for: Launch announcements, instructional content, and ongoing communications to your Partners. Add your activation steps, timing, and pricing where indicated.
Launch announcement — Klarna now available
Subject line options
- Klarna is now available on [AP]
- Your customers can now pay with Klarna at checkout
- New on [AP]: flexible payment options powered by Klarna
Preview text
Give your customers more ways to pay
Body
Hi [First Name],
We're adding Klarna to [merchant] — giving your customers more ways to pay at checkout.
What is Klarna? Klarna is the everyday finance network used by more than 120 million shoppers. It lets your customers pay in full, later, or over time — through the checkout experience they already know and trust.
What it means for your business On average, merchants who offer Klarna see 20% higher conversion, 40% larger baskets, and 46% more repeat purchases. You get paid upfront on every transaction. Klarna handles credit and fraud risk.
What you need to do Klarna is available through [AP] — no separate Klarna agreement required. [Add AP-specific activation steps, timing, or pricing here.]
Learn more Visit [dedicated AP Klarna page link] or contact [AP support contact].
Results vary by merchant, market, and vertical. Available across 26+ markets; products vary by market and merchant category. Source: klarna.com/international/enterprise.
Best regards, The [AP] Team
Pre-launch announcement
Subject line options
- Klarna is coming to [AP] — here's what to expect
- Flexible payment options are coming to your checkout
Body
Hi [First Name],
Klarna is coming to [AP] on [DATE].
Your customers will be able to pay in full, later, or over time at checkout — through the everyday finance network trusted by more than 120 million shoppers. You'll get paid upfront on every transaction, with credit and fraud risk handled by Klarna.
[Add AP-specific opt-out path, required actions, or pricing details here.]
Questions? Visit [AP help link] or contact [AP support contact].
Best regards, The [AP] Team
Instructional — how to activate or manage Klarna
Subject line options
- How to offer Klarna to your customers on [AP]
- Getting started with Klarna on [AP]
Body
Hi [First Name],
Klarna is available on [AP]. Here's how to get started:
- 1.[AP-specific step 1 — e.g. enable Klarna in your dashboard]
- 2.[AP-specific step 2 — e.g. confirm your market and category eligibility]
- 3.[AP-specific step 3 — e.g. go live at checkout]
Once live, your customers can pay in full, later, or over time. You get paid upfront on every Klarna transaction — Klarna handles the rest.
Need help? Visit [AP help link] or contact [AP support contact].
Best regards, The [AP] Team
Ongoing / newsletter snippet
Headline: Did you know? Your customers may already be Klarna shoppers.
Merchants on [AP] who offer Klarna see higher conversion and larger order values on average. If you haven't activated Klarna yet, it's available through [AP] — no separate agreement required. [Learn more →]
Post-enablement — conversion features
Use for: Partners who have already enabled Klarna through [AP]. Do not use in launch announcements.
Subject line options
- Get more from Klarna at checkout
- Turn on Klarna conversion features
Body
Hi [First Name],
You're live with Klarna on [AP]. Take the next step: open the Klarna Partner Portal to opt in to conversion features that help drive sales after checkout is enabled.
- On-site messaging — Add personalized messaging throughout the shopper journey for higher conversion rates and increased order value.
- Express checkout — Offer a faster checkout experience that lowers the threshold for customers to complete a purchase.
- Sign in with Klarna — Let shoppers connect via their Klarna account, improving their personalized shopping experience.
[Open Klarna Partner Portal →]
Best regards, The [AP] Team
Dashboard messaging
Use for: In-product banners, pop-ups, and notifications in your Partner dashboard. Adapt format (banner, modal, toast) to your product.
Launch announcement banner
- Headline: Klarna is now available on [AP]
- Body: Give your customers flexible ways to pay at checkout. You get paid upfront — Klarna handles credit and fraud risk.
- CTA: Enable Klarna · Learn more
Launch announcement — short (notification / toast)
- Copy: Klarna is now available at checkout. Your customers can pay in full, later, or over time.
- CTA: Turn on Klarna
Outcomes nudge (Partners not yet activated)
- Headline: Reach 120m+ shoppers at checkout
- Body: Merchants using Klarna see 20% higher conversion and 40% larger baskets on average. Available through [AP] — no new agreement required.
- CTA: Add Klarna
- Results vary by merchant, market, and vertical. Source: klarna.com/international/enterprise.
Instructional — Post-activation
- Headline: You're set up with Klarna
- Body: You're paid upfront on every Klarna transaction. Klarna handles credit risk, fraud, and customer support.
- CTA: View Klarna settings
Instructional — Action required
- Headline: Complete your Klarna set-up
- Body: One step left to offer Klarna at checkout. Finish set-up to give your customers flexible ways to pay.
- CTA: Complete set-up
Post-enablement — conversion features nudge
Use for: Partners who have already enabled Klarna through [AP]. Do not use in launch banners or pre-enablement nudges.
- Headline: Get more from Klarna
- Body: You're live with Klarna. Turn on conversion features in the Klarna Partner Portal — on-site messaging, Express checkout, and Sign in with Klarna.
- CTA: Open Klarna Partner Portal
1-pager
Use for: Partner leave-behind — sales conversations, onboarding packs, or downloadable overview.
Headline: Flexible payments. One integration. Proven growth.
Opening
Klarna on [AP] enables merchants to offer flexible ways to pay through a single integration — reaching 120m+ active shoppers through The everyday finance network they already know and trust.
Proven results for merchants
- +20% higher conversion on average
- +40% higher average order value on average
- +46% higher purchase frequency on average
Results vary by merchant, market, and vertical. Source: klarna.com/international/enterprise.
What you get with Klarna on [AP]
| Benefit | Copy |
|---|---|
| Flexible payment options | Shoppers choose how to pay. Options are determined by Klarna based on shopper profile and merchant category — no configuration required on your end. |
| Global reach | Klarna operates in 26+ markets, helping you reach high-intent shoppers with local payment preferences built in. |
| Fast & simple integration* | Enable Klarna through [AP] — activation is immediate, with simple setup and no separate Klarna integration or disruption to existing systems. |
| Available through [AP] | Klarna is already integrated through [AP] — access it through your existing relationship, with no separate Klarna build required on your side. |
| Automatic updates | You always have the latest Klarna capabilities without additional integration work. Klarna updates automatically. |
| Paid upfront | You receive full payment on every Klarna transaction — regardless of how the shopper chooses to pay. |
| Credit and fraud protection | Klarna absorbs the credit and fraud risk on every transaction. You focus on your business; Klarna handles what goes wrong. |
| No separate Klarna agreement (partner-specific)* | No separate Klarna agreement or onboarding required — Klarna is part of your [AP] set-up. |
Stats band
120m+ active shoppers · 1.2m+ merchant partners · 3.8m daily transactions · 26+ markets
Results vary by merchant, market, and vertical. Available across 26+ markets; products vary by market and merchant category. Source: klarna.com/international/enterprise.
Close / CTA
Ready to get started? Contact your [AP] account manager or visit [AP listing link].
Social, banners, and ads
Use for: Short-form paid and organic placements.
| Format | Copy |
|---|---|
| Ad headline | Klarna on [AP]: flexible payments, proven growth |
| Ad headline | 120m+ shoppers. One integration. Paid upfront. |
| Social caption | Klarna is on [AP]. Give customers flexible ways to pay, get paid upfront, and reach shoppers who already know the brand. |
| Display banner | Klarna Flexible payments Proven results Available on [AP] |
Post-enablement: Conversion features
When to use: After a Partner has enabled Klarna through [AP]. These are optional features Partners turn on via the Klarna Partner Portal — not part of baseline launch messaging.
Do not use in: launch email, launch dashboard banner, partner directory, web hero, or pre-enablement copy.
Use in: post-enablement email and post-enablement dashboard messaging in the sections above.
Intro (email or dashboard)
You're live with Klarna on [AP]. Complete your setup in the Klarna Partner Portal to turn on conversion features designed to drive sales and improve the customer experience — no separate integration required.
| Feature | Copy | Where to message |
|---|---|---|
| On-site messaging | Add personalized messaging throughout the shopper journey for higher conversion rates and increased order value. | Post-enablement email · Dashboard |
| Express checkout | Offer a faster checkout experience that lowers the threshold for customers to complete a purchase. | Post-enablement email · Dashboard |
| Sign in with Klarna | Let shoppers connect via their Klarna account, improving their personalized shopping experience. | Post-enablement email · Dashboard |
CTA: Open Klarna Partner Portal
Feature names must match official Klarna product names. Full guidance: How to position Klarna to your Partners — Conversion features.
Copy rules
These apply to every asset, every channel.
| Do | Don't |
|---|---|
Lead with "everyday finance network." Never open with BNPL, buy now pay later, or installments. | Describe Klarna as a BNPL provider, buy now pay later company, or credit product. |
Cite performance stats with source and disclaimer every time. | Use performance stats without the variance disclaimer. |
Use 26+ for payment market count. | Use outdated stats (966k, 118m, 850k, 114m merchants; 45 markets). |
Use "available through [AP]" — not "already turned on" or "activated automatically" unless confirmed for your integration. | Name specific merchants (H&M, Sonos, SHEIN) in external copy without their approval. |
Replace [AP] with your brand name before any asset goes to Partners. | Guarantee specific payment options will appear without confirming market and MCC eligibility. |
Describe Klarna as the product — multiple ways to pay are how it shows up at checkout. Do not list specific payment options as a fixed menu; what appears depends on market and merchant category.
Language guide
| Use | Avoid |
|---|---|
| The everyday finance network | BNPL · buy now pay later · instalment product |
| Flexible ways to pay | Debt · borrowing · lending · Klarna as a loan |
| Shoppers · customers | Borrowers · credit users |
| Available through [Partner] | Already turned on · auto-enabled (unless confirmed) |
| 26+ live markets | 45 markets · available everywhere globally |
| Results vary by merchant, market, and vertical | These results are typical · guaranteed |
| Klarna handles credit and fraud risk | Klarna is a lender |
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