Let customers pay with flexibility. With Klarna you could boost sales, increase average order value and keep them coming back for more.


Join the world’s fastest growing shopping community

<p style="text-align: left;">Klarna has been connecting the world’s biggest brands with customers for over 15 years. With Klarna,&nbsp;shoppers get the freedom to shop when inspired and pay later.</p>

Meet the world’s greatest shoppers

<p style="text-align: center;">Klarna reaches and engages millions of hungry shoppers across their app and social channels, driving traffic to your store.</p>

4 million unique visitors

<p style="text-align: left;">4 million unique visitors to Klarna's shop directory every month. It's the perfect place to promote your store across the globe.</p>

7.8 million monthly active users

<p>7.8 million monthly active users of Klarna's shopping app - the most downloaded Pay Later app in the world.</p>

50 million social media impressions

<p>Klarna's high engagement marketing campaigns tap into pop culture.</p>

Shopping made simple

<p style="text-align: left;">Klarna offers customers the ability to pay over four payments, when added to your online checkout, as an alternative to credit. Shoppers get the benefit of&nbsp;increased flexibility that fits their lifestyle.</p>

How it works

<p style="text-align: left;">Spreading the cost over four simple payments couldn’t be easier for the shopper. It is as easy as making a regular card purchase, but gives your customers more flexibility.&nbsp;</p> <h3 style="text-align: left;"><b>1. While browsing</b></h3> <p style="text-align: left;">Shoppers can buy now and spread the cost over 4 payments at no additional complexity or cost at checkout.</p> <h3 style="text-align: left;"><b>2. At checkout</b></h3> <p style="text-align: left;">Customers will generate a one time card linked to their debit or credit card and their first payment will be made immediately with the rest to follow.</p> <h3 style="text-align: left;"><b>3. On shipment</b></h3> <p style="text-align: left;">Klarna pays you up front and in full and later receives your customer's payments.</p>

Learn how Klarna can support your business

<h2 style="text-align: center;">See other offers from our&nbsp;<a href="/businesshub/offers.html" target="_self">digital cashflow management partners</a></h2>
    <p><a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_nz/user" target="_blank">Klarna terms and conditions</a> apply. CBA Group has a financial interest in Klarna. ASB does not stand to directly benefit financially through the referral of Klarna to ASB customers.</p>