1. What is Klarna Pay Over Time?
Klarna Pay Over Time allows your customers to split their windshield replacement or repair into four equal, interest-free payments through Klarna. You receive the full payment upfront, while Klarna collects installments from the customer over six weeks.
2. How do customers use Klarna Pay in 4?
At checkout, customers choose Klarna as their payment option. Klarna performs a quick eligibility check and approves qualified customers instantly. The customer pays 25% at checkout and the rest automatically every two weeks.
3. When do I get paid for a Klarna transaction?
You receive the full transaction amount upfront, less standard Klarna processing fees, once the transaction is approved. Klarna assumes all risk of collecting from the customer.
4. What are the fees for Klarna transactions?
Merchants are charged 4.99% + $0.30 per transaction when customers pay using Klarna Pay Over Time. There are no additional monthly or setup fees.
5. Does my business handle customer payments directly?
No. Klarna manages the customer’s installment payments and any payment-related communication. You do not need to collect payments or handle missed installments.
6. What if a customer fails to make their payments?
You are not affected. Klarna takes on the payment risk and continues to collect from the customer directly. You retain the funds you received from the original sale.
7. How do I issue a refund for a Klarna transaction?
If you choose to refund a customer, you can process the refund directly within Omega - just like any other payment. Once the refund is issued, Klarna automatically adjusts or cancels the customer’s remaining installments. No additional action is required on your part.
8. Where can I see Klarna transactions in Omega?
Klarna transactions appear under the Job Autobiography section of the related invoice. You can also review them in your Payments report or the Payments by Payment Method report to track Klarna activity and details.
9. How can I explain Klarna to my customers?
You can share this article directly with your customers: Klarna Customer FAQ
It provides a clear overview of Klarna Pay Over Time, including how payments are made and what customers can expect after checkout.