Klarna Docs - Legal essentials

Legal essentials

Read more about our advertising guidelines of how you use Klarna in your marketing.
  • Keep it simple.
    Don’t lose a customer because the payment instructions were too complicated, but do make it clear what you are offering.
  • Stand out for the right reason.
    Highlight the payment option you offer, but be sure to be clear, fair and not misleading.
  • Upstream too.
    Be sure to include Klarna throughout your site - before the shopper even gets to the checkout. Doing this will help make it clear that Klarna is the lender. Use our on-site messaging tool to create your landing page so Klarna can keep the FAQs updated.
  • Be sensitive to the situation.
    Consider what is going with your customers and in the wider market as a whole. Use this knowledge to decide how you promote and market Klarna in all your channels. One message does not fit all circumstances.
  • Avoid using icons only.
    Guide your customers through simple numbered steps instead, so they know exactly what to do next. 
  • Don't overcomplicate it.
    Prioritise clarity. Your customers will appreciate it on their way to the checkout. 
  • Don't encourage debt.
    Do not encourage shoppers to spend outside of their means. Using phrases such as ‘strapped for cash?’, ‘don’t wait until payday’ or ‘broke AF’ are unacceptable and irresponsible. You have an obligation to ensure your customers stay financially healthy.
  • Make sure your ads are socially responsible to consumers and society.
    Offers or benefits should not be linked to credit marketing which are likely to make the credit offer attractive.

Klarna offers three different unregulated financing offerings in Sweden: Pay in 30 days, PIX, and Monthly invoice.

Pay in 30 days (Köp nu, betala sen) allows a consumer to get up to 30 days to pay after purchase. This product is completely interest free. Reminder fee will apply according to our terms and conditions.

PIX - Pay in X days (Köp nu, betala i Augusti) and (Köp nu, betala i slutet av Januari) allows a consumer to pay the full amount a month later with 0% interest rate. PIX campaign usually are offered in merchants KCO V3 checkout in May and June (and the consumer will be able to pay end of August) and November and December (where the consumer will be able to pay end of January). A fee of 39 SEK will apply for the extended payment time. Reminder fee will apply according to our terms and conditions.

Monthly invoice (Månadsfaktura) allows a consumer to collect all actively selected "Monthly invoice"- purchases they make during a month on one and the same invoice. The monthly invoice collects all purchases the consumer make with Klarna Monthly invoice. Due date for the invoice is the coming month.

Always ensure you provide a link to our Swedish terms & conditions page when you do marketing of these products. The sender of marketing is responsible for staying informed about the laws and regulations that apply to marketing credit. More information can be found at konsumentverket.se.


Klarna’s financing products are regulated credit agreements. Financing (installments) in Sweden falls into two categories, Fixed amount (promotional financing) and Post purchase conversion to Financing.

Financing gives consumers the opportunity to pay down their purchases and loans in installments through monthly payments collected on an account invoice. For partial payment applies following general terms and conditions in our terms & conditions website.

Always ensure you follow these rules when doing marketing of installments.

  • Number of payment months (6, 12, 24, 36)
  • Setup fee (0 sek)
  • Administrative fee (0 sek)
  • Annual interest
  • monthly payment
  • Total amount of payments
  • Of which total amount of credit
  • Effective interest rate
  • Lender and payee (Klarna Bank AB, and address)
  • Link to klarna.com/se/ terms for full terms and conditions.

Campaigns for a specific product or service

If you communicate our installments for a specific item or service, the terms and conditions for this particular purchase must be clearly stated in the ad:

Delbetala med Klarna från
XX.XX kronor i månaden*

* Gäller vid x månaders avbetalning med Klarna. Uppläggningsavgift 0 kronor, administrativ avgift 0 kr/månad, fast årsränta X%, månadsbetalning XXX kr, effektiv ränta XXX%, total summa att betala: XX XXX kr. 

Kreditgivare och betalningsmottagare: Klarna Bank AB (publ) Sveavägen 46, 111 34 Stockholm. Beloppen som visas är en indikation. Exakt kostnad varierar beroende på vilken dag i månaden köpet är gjort. För fullständiga villkor, läs mer på klarna.com/se/villkor.

Campaigns for a general product or service

If the campaign provides the opportunity to utilize the credit in different ways with different fees or credit interest rates, use the total credit amount for the highest fee and credit interest applied to the most common form of transaction for your product.

Kampanj!
Från XXX kronor/månad

 *=Gäller exempel vid kredit på 10.000kr i 24 månader: Uppläggningsavgift 0 kr, administrativ avgift 0 kr/månad, fast årsränta 18,9%, månadsbetalning 504 kr, effektiv ränta 18,9%, total summa att betala: 12087kr. Kreditgivare och betalningsmottagare: Klarna Bank AB (publ) Sveavägen 46, 111 34 Stockholm. Beloppen som visas är en indikation. Exakt kostnad varierar beroende på vilken dag i månaden köpet är gjort. För fullständiga villkor, läs mer på klarna.com/se/villkor.

To determine a general fee, you can use our calculator. The amounts shown are an indication. Exact cost varies depending on which day of the month the purchase is made.

Go to our calculator (Swedish)