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How Customers Pay via Klarna (Pay Over Time)

Step-by-step overview of how customers complete payment using Klarna Pay Over Time when they receive a payment link from your shop

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Written by Shawn Peterson
Updated this week

Step 1: Customer receives a payment link

Customers receive a payment link by SMS or email from your shop


Step 2: Customer opens the link

When the customer clicks the link, they’re taken to their invoice page.

Here they’ll see the invoice total and payment options — such as cards or Klarna Pay Over Time.


Step 3: Klarna verifies the customer’s identity

Klarna asks the customer to verify their phone number to confirm their identity.

If the customer hasn’t used Klarna before, they’ll also be prompted for:

  • Full name

  • Date of birth

  • Last 4 digits of SSN

Customers who have used Klarna previously can verify instantly using their saved information or Face ID on their smartphone.


Step 4: Klarna presents payment options

After verification, Klarna displays available payment plan options based on the customer’s credit profile and the transaction amount.

All customers who pass Klarna’s initial check are offered at least the 0% interest over 6 weeks plan (4 equal payments). Depending on eligibility, they may also see longer-term financing options with interest.


Step 5: Customer confirms payment details

The customer reviews:

  • Payment schedule and amounts

  • Chosen payment method (Visa, Mastercard, Bank Account, etc.)

After clicking Pay with Klarna, the payment is automatically applied to the invoice. Your business receives full funds (minus fees) within 1–2 business days.


If you or your team have questions about how Klarna Pay Over Time works, see:
Klarna Pay Over Time – Merchant FAQ for Glass Shops

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