The following articles in the advertising legal guidelines section provide a general overview of the requirements you need to follow. Remember that it is also your responsibility to learn and understand the laws governing the advertising of financial products in each region where you promote Klarna.
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.
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?
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)