Klarna Docs - BNPL Disclosure examples

BNPL Disclosure examples

When referencing Klarna products, it’s important to use the appropriate disclosure. Disclosures must follow the Klarna Financial Promotion Rules, including the Prominence Rules and the Placement Rules.

Select from the pre-approved messaging and appropriate disclosure from below to include in your advertisement:

No Disclosure:

If you use one of the three prompts below, it is not a Financial Promotion and no disclosure is required:

  • “Klarna available”.
  • “Klarna available at checkout”; or
  • [Klarna logo]

Pay in 3 - Disclosure Required:

Below are some examples of PRE-APPROVED invitations to credit that will trigger the need to add the Pay in 3 BNPL Disclosure.

  • “Pay in 3 with Klarna”
  • “Split your purchases into 3 interest-free payments”

Klarna's Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. Ts&Cs apply.

Pay in 30 - Disclosure Required:

Below are some examples of PRE-APPROVED invitations to credit that will trigger the need to add the Pay in 30 BNPL Disclosure.

  • “Try before you buy”
  • “Try before you buy. Get 30 days to pay”
  • “Shop now. Pay in 30 days with Klarna”.

Klarna's Pay in 30 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. Ts&Cs apply.

Klarna Joint BNPL Disclosure Required:

Below are some examples of PRE-APPROVED invitations to credit that will trigger the need to add the Joint BNPL Disclosure.

  • “Get more time to pay with Klarna”
  • “Split your purchases into 3 interest-free payments”
  • “Shop now. Pay over time with Klarna”
  • “Shop now. Pay with Klarna.”
  • “Flex your payments.”
  • “Pay Instore with Klarna”.

Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. Ts&Cs apply.

If you are ever unsure about which disclosures are required, please contact your Klarna contact or Merchant Support