Integration guidelines - Klarna´s payment methods
The purpose of this page is to define and show how you should visually present Klarna to optimize the purchase journey. Once you’ve done this, you’ll never have to update your Klarna logotype or payment method badge again. We host them for you, ensuring maximum availability and fast loading times.
We have divided the guidelines in two areas:
- Before checkout
- During checkout
Note: These instructions are important, as you have agreed to follow them as part of your Merchant Agreement.
Before checkout
In order to increase conversion, make sure your homepage and product pages have the right assets. Click here to find out more.
During checkout - increase checkout conversion with the right payment method presentation
Klarna offers three payment methods to cover all consumer needs - Pay now, Pay later and Slice it. Each payment method is associated with a badge which includes a unique icon together with the Klarna logo. Availability of Pay now as a standalone payment method varies from country to country. Please contact Klarna directly for further information.
| Pay now | Pay later | Slice it |
|---|---|---|
Pay now  | Pay later  | Slice it  |
Pay now Customers who want to pay in full at checkout can do it quickly and securely with Klarnas Pay now-option - using credit/debit card or Klarna Direkt, Sofort, SEPA, Direct Debit. | Pay later The option to buy now and pay later makes buying quicker and easier for customers: no need to fill out lengthy personal details or card numbers online. | Slice it Your customers can spread the cost of their purchases at a low interest rate, giving them flexibility and increased purchasing power. Our unique credit application requires minimal information and takes just seconds to complete |
Pay now Instant payments options: Direct bank transfer Card (Visa, MasterCard) | Pay later Buy now. Pay later options: Pay in x days Pay at the end of (month x) | Slice it Financing options: Installment plans Flexible financing plans |
(international example: actual assets per country below)
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy ⚠ Coming soonPay now is not available as a stand alone payment method yet. Link will be available upon release. |
Product Pay later | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/sv_se/pay_later/standard/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/sv_se/slice_it/standard/pink.svg |
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy ⚠ Coming soonPay now is not available as a stand alone payment method yet. Link will be available upon release. |
Product Pay later | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/nb_no/pay_later/standard/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/nb_no/slice_it/standard/pink.svg |
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy ⚠ Coming soonPay now is not available as a stand alone payment method yet. Link will be available upon release. |
Product Pay later | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/fi_fi/pay_later/standard/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/fi_fi/slice_it/standard/pink.svg |
Use these links to display badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy ⚠ Coming soonPay now is not available as a stand alone payment method yet. Link will be available upon release. |
Product Pay later | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/da_dk/pay_later/standard/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/da_dk/slice_it/standard/pink.svg |
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/nl_nl/pay_now/standard/pink.svg |
Product Pay later | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/nl_nl/pay_later/standard/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/nl_nl/slice_it/standard/pink.svg |
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/de_de/pay_now/standard/pink.svg |
Product Pay later | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/de_de/pay_later/standard/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/de_de/slice_it/standard/pink.svg |
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/de_at/pay_now/standard/pink.svg |
Product Pay later | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/de_at/pay_later/standard/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/de_at/slice_it/standard/pink.svg |
How to display Klarna’s payment methods in your checkout.
The way you will present the payment methods depends on the type of checkout structure you are currently using.
- Headline/text, tagline and badge.
- Badge only.
- Headline/text-only.
Our recommended/best practice option is a combination of headline/text, tagline and badge.
You can find all local versions of Headlines & Descriptions that you can easily copy and paste in this document.
These words have been tried and tested to optimise conversions in your checkout (we keep testing them so they always remain optimised)
Guidelines per country
Visual guidelines per country
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Guideline remarks per country
A. We offer three payment methods – Pay now, Pay later and Slice it
Pay now is formerly known as “SOFORT”
Pay later and Slice it is formerly known as Invoice, Rechnung, Flexible Laufzeit – Raten und Laufzeit selbst bestimmen, [monthly_cost] € / Monat (variabel) in X Raten
The local language presentations used in the image above are the actual words that you should use in your checkout. These have been tried and tested to optimise conversion in your checkout (and we keep testing them to always be optimised).
B. “Account – pay at your own pace” is presented under Slice it
C. Only present three fixed part payment options Make sure they’re sorted in ascending/descending order. Three is the magic number. Never more.
D. Make sure all the payment options are visible in the checkout Consumers should be able to choose in a single click. No nestling or sub-bundling of payment alternatives.
E. Only one Klarna badge
Each payment method has a corresponding badge which contains a unique icon and Klarna logo
A. We offer three payment methods – Pay now, Pay later and Slice it
Pay now is formerly known as “SOFORT”
Pay later and Slice it is formerly known as Invoice, Rechnung, Flexible Laufzeit – Raten und Laufzeit selbst bestimmen, [monthly_cost] € / Monat (variabel) in X Raten.
The local language presentations used in the image above are the actual words that you should use in your checkout. These have been tried and tested to optimise conversion in your checkout (and we keep testing them to always be optimised).
B. “Account – pay at your own pace” is presented under Slice it
C. Only present three fixed part payment options Make sure they’re sorted in ascending/descending order. Three is the magic number. Never more.
D. Make sure all the payment options are visible in the checkout Consumers should be able to choose in a single click. No nestling or sub-bundling of payment alternatives.
E. Only one Klarna badge
Each payment method has a corresponding badge which contains a unique icon and Klarna logo
A. We currently offer one payment method under Pay later
- Invoice is Achteraf betalen: binnen 14 dagen
The local language presentations used in the image above are the actual words that you should use in your checkout. These have been tried and tested to optimize conversion in your checkout (and we keep testing them to always be optimized).
B. Only one Klarna badge
Each payment method has a corresponding badge which contains a unique icon and Klarna logo
A. Klarna offers three payment methods – Pay now, Pay later and Slice it
Pay now - Pay now as a standalone payment method varies from market to market.
Pay later - Invoice is either the standard (14 days) invoice or prolonged (1-3 months) that we market as ”Pay in (e.g.) August” or “Pay next month”.
Slice it - Part payments are either flexible (pay at your own pace) or fixed term (pay X €/month for Y months).
B. “Pay in (e.g.) January” is presented under Pay later We used to present this together with the part payments, but since consumers think of it as an invoice with a prolonged due date, that’s how it should be presented in the checkout – so that they find it and understand it. (Please note that this payment method isn’t currently available on all markets, or that it may only be available for limited seasonal campaigns.)
C. “Flexible part payment – pay at your own pace” is presented under Slice it
D. Only present three fixed part payment options
Make sure they’re sorted in ascending/descending order. Three is the magic number. Never more.
E. Make sure all the payment options are visible in the checkout Consumers should be able to choose in a single click. No nestling or sub-bundling of payment alternatives.
F . Payment methods presentation
The local language presentations used in the image above are the actual words that you should use in your checkout. These have been tried and tested to optimise conversion in your checkout (and we keep testing them to always be optimised).
A. Klarna offers three payment methods – Pay now, Pay later and Slice it
Pay now - Availability of the pay now method varies from market to market.
Pay later - Invoice is either the standard (14 days) invoice or prolonged (1-3 months) that we market as ”Pay in (e.g.) August” or “Pay next month”.
Slice it - Part payments are either flexible (pay at your own pace) or fixed term (pay X €/month for Y months).
B. “Pay in (e.g.) January” is presented under Pay later
We used to present this together with the part payments, but since consumers think of it as an invoice with a prolonged due date, that’s how it should be presented in the checkout – so that they find it and understand it. (Please note that this payment method isn’t currently available on all markets, or that it may only be available for limited seasonal campaigns.)
C. “Account – pay at your own pace” is presented under Slice it
D. Only present three fixed part payment options Make sure they’re sorted in ascending/descending order. Three is the magic number. Never more.
E. Make sure all the payment options are visible in the checkout Consumers should be able to choose in a single click. No nestling or sub-bundling of payment alternatives.
F . Payment methods presentation
The local language presentations used in the image above are the actual words that you should use in your checkout. These have been tried and tested to optimise conversion in your checkout (and we keep testing them to always be optimised).
A. We offer three payment methods – Pay now, Pay later and Slice it
Pay now - available in Klarna full checkout-solution. Standalone method coming soon.
Pay later - Invoice is either the standard (14 days) invoice or prolonged (1-3 months) that we market as ”Pay in (e.g.) August” or “Pay next month”.
Slice it - Part payments are either flexible (pay at your own pace) or fixed term (pay X €/month for Y months).
B. “Pay in (e.g.) August” / “Pay next month” is presented under Pay later We used to present this together with the part payments, but since consumers think of it as an invoice with a prolonged due date, that’s how it should be presented in the checkout – so that they find it and understand it. (Please note that this payment option isn’t currently available on all markets, or that it may only be available for limited seasonal campaigns)
C. “Account – pay at your own pace” is presented under Slice it
D. Only present three fixed part payment options Make sure they’re sorted in ascending/descending order. Three is the magic number. Never more.
E. Make sure all the payment options are visible in the checkout. Consumers should be able to choose in a single click. No nestling or sub-bundling of payment alternatives.
F . Payment methods presentation
The local language presentations used in the image above are the actual words that you should use in your checkout. These have been tried and tested to optimise conversion in your checkout (and we keep testing them to always be optimised).
F. Detailed payment method information When presenting our payment methods to consumers, there are certain demands on what needs to be communicated. Especially for those products classified as credit products. Please refer to attached guidelines where we to our best ability have interpreted local laws and provide our recommendations on how our products should be presented, on detailed level.
B. Make sure all the payment options are visible in the checkout.
Consumers should be able to choose in a single click. No nestling or sub-bundling of payment alternatives.
G. Only one Klarna badge
Each payment method has a corresponding badge which contains a unique icon and Klarna logo
B. Only one Klarna logo
H. Detailed payment method information
When presenting our payment methods to consumers, there are certain demands on what needs to be communicated. Especially for those products classified as credit products. Please refer to attached guidelines for instructions on the information that must be presented in releation to each payment option.
Do you have a checkout with only badges or only text?
For this type of scenario, we suggest to use another version of the badge which includes the name of the product and Klarnas unique icon (aka the descriptive badge)
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/sv_se/pay_later/descriptive/pink.svg |
Product Pay later | Logo Preview | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/sv_se/pay_later/descriptive/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/sv_se/slice_it/descriptive/pink.svg |
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/fi_fi/pay_later/descriptive/pink.svg |
Product Pay later | Logo Preview | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/fi_fi/pay_later/descriptive/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/fi_fi/slice_it/descriptive/pink.svg |
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/nb_no/pay_later/descriptive/pink.svg |
Product Pay later | Logo Preview | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/nb_no/pay_later/descriptive/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/nb_no/slice_it/descriptive/pink.svg |
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/da_dk/pay_later/descriptive/pink.svg |
Product Pay later | Logo Preview | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/da_dk/pay_later/descriptive/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/da_dk/slice_it/descriptive/pink.svg |
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/nl_nl/pay_later/descriptive/pink.svg |
Product Pay later | Logo Preview | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/nl_nl/pay_later/descriptive/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/nl_nl/slice_it/descriptive/pink.svg |
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/de_de/pay_later/descriptive/pink.svg |
Product Pay later | Logo Preview | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/de_de/pay_later/descriptive/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/de_de/slice_it/descriptive/pink.svg |
Use these links to display the badges:
| Product | Logo Preview | URL to copy |
|---|---|---|
Product Pay now | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/de_at/pay_later/descriptive/pink.svg |
Product Pay later | Logo Preview | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/de_at/pay_later/descriptive/pink.svg |
Product Slice it | Logo Preview  | URL to copy https://cdn.klarna.com/1.0/shared/image/generic/badge/de_at/slice_it/descriptive/pink.svg |
Only text or using a dropdown list
For this type of scenario, in which you won’t be able to include any type of badges or logos, Klarnas recommendation is to use another version of the payment method name, in order to highlight Klarna as provider of the payment method.
Link to find all local versions of copy to use when you don’t have any badge.
Payment communication
After purchase the customer needs to be informed of what they can expect both from your e-store and from Klarna. To make this simpler, we have put together a document where you will find what to communicate and when.