Legal essentials

• Don’t try to replicate Klarna branding. Make it clear that your brand is the sender by using your own visual identity (imagery, font, brand elements) and style.
• Be sure to include the Klarna marketing badge or Logotype, not the payment badge.
• Keep it short, clear, simple and informative.
• Use our approved messaging to avoid misinterpretation of products and terms
• Use our approved "plug and play" downloadable assets where appropriate.

• Keep it factual.
  Highlight the payment option you offer, but be sure to be clear, fair and not misleading. Don’t lose a customer because the payment instructions were too complicated. Make it clear what you are offering.
• Use approved messaging.
  Keep your unique tone and style when speaking to your followers, but stick to our approved messaging to avoid misinterpretation of terms.
• 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.
• Make sure your ads are socially responsible to consumers and society.
  Avoid giving the impression that the product will help solve wider financial difficulties or concerns.
• 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.
• Don’t exaggerate the benefits.
  Don’t embellish or provide personal opinions about finance products. Avoid using phrases such as “the better way to pay” or “the best way to pay” that may be perceived as giving financial advice. 

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

Pay now (Betal nå) 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 (Betal senere / Betal innen 30 dager) 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.

Financing / installments (Finansering opp til 36 måneder) in Norway falls into 30 day invoice, Pay in X, 6-36 months installments, and direct debit with VISA. Always ensure you follow the rules below 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.

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:

Delbetaling med Klarna fra XX.XX NOK per måned*

* = Gjelder X-måneders avdrag med Klarna. Etableringsgebyr X NOK, administrasjonsgebyr X NOK / måned, variabel årlig rente X%, månedlig betaling X NOK, effektiv rente X%, totalt beløp å betale: X NOK.

Långivere og betalingsmottakere: Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm. For mer informasjon, les mer på klarna.com/no/vilkar.

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.

Kampanje! Fra XXX kroner / måned

* = Gjelder eksempler på kreditt på NOK XX.XXX i XX måneder: Etableringsgebyr X NOK, administrasjonsgebyr X NOK / måned, variabel årlig rente X%, månedlig betaling X NOK, effektiv rente X%. Totalt beløp å betale: X NOK.

Långivere og betalingsmottakere: Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm. Beløpene som vises er en indikasjon. Eksakt kostnad kan variere avhengig av hvilken dag i måneden kjøpet er gjort. For mer informasjon, les mer på klarna.com/no/vilkar/

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 (Norwegian)