Legal essentials

As a Klarna partner, there are some things you may need to be aware of when promoting Klarna to your customers to ensure that your marketing communications comply with all laws and regulations as they apply to Klarna’s flexible payment options in Finland.

This guideline is not an exhaustive list of all laws and regulations that apply to your advertising activities. You must also follow all regulations that apply to advertising generally and must comply with your Klarna merchant agreement and other Klarna merchant guidelines.

• 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.

Payment offerings
Klarna offers three different financing offerings in Finland: Pay now, Pay later and Financing.

Pay now (Maksa heti) allows a consumer to use Klarna and all the benefits it provides, when buying directly with a bank card. We optimize the shopping experience by requesting only the information needed for the purchase to be secure.

Pay later (Maksa myöhemmin) allows a consumer to pay only after receiving the item provides a friction-free shopping experience. Always ensure you provide a link to our terms & conditions page when you do marketing of our pay later products. The sender of marketing is responsible for staying informed about the laws and regulations that apply to marketing credit.

Installments (Pilko maksut) in Finland falls into 6-36 months installments. In the Klarna app, you manage your payments and due dates. Always ensure you follow the rules below when doing marketing of installments.

What must always be included when doing marketing of installments?

• Number of payment months (6, 12, 24, 36)
• Setup fee
• Administrative fee
• 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 for terms for full terms and conditions.
  

Use our installments calculator

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 (Finnish)