MollieFinance & invoicingFree plan: No monthly subscription fee or setup fee: transparent pay-as-you-go per successful transaction
Made in SEKlarna pricing in Europe (October 2026): plans, free plan & deals
Paid plans from €350 a month. Free plan: No setup fee and no monthly subscription: merchant pays per transaction (typically from 1.9% to 2.99% + €0.30 depending on payment option: Pay in 30 days, Financing, or Pay Now).
PRICING AT A GLANCE Official price
Plans from €350 a month
Free plan: No setup fee and no monthly subscription: merchant pays per transaction (typically from 1.9% to 2.99% + €0.30 depending on payment option: Pay in 30 days, Financing, or Pay Now).
See Klarna plans- No code needed
- Official vendor checkout
Free planNo setup fee and no monthly subscription: merchant pays per transaction (typically from 1.9% to 2.99% + €0.30 depending on payment option: Pay in 30 days, Financing, or Pay Now)
Paid plans from€350 a month
Data stored inData centers located in Sweden and Germany under strict Swedish Financial Supervisory Authority regulations
Data protectionLicensed Swedish bank regulated by Finansinspektionen, full credit risk assumption (merchant is paid upfront immediately), PCI-DSS Level 1 and GDPR DPA
CompanyLeading European Buy Now Pay Later (BNPL) and flexible payments bank (Klarna Bank AB), headquartered in Stockholm, Sweden
Klarna plans and prices
| Plan | Monthly (EUR) | Yearly billing, per month (EUR) | Includes |
|---|---|---|---|
| Standard Merchant (Pay-as-you-go) | Free | Free | No setup fee and no monthly subscription. From 1.9% to 2.99% + €0.30 per transaction. Merchant is paid upfront with zero credit or fraud risk. Supports Klarna Pay in 30 days, 3 Installments, and Pay Now |
| Enterprise / High Volume | €350 | €290 | For high-volume merchants processing >€100,000/month. Custom discounted transaction fee tiers, dedicated partner success manager, customized checkout flows, and co-marketing promotions |
Prices as listed on Klarna’s pricing page; VAT may be added at checkout. klarna.com · Checked 22 Oct 2026
What will you pay for Klarna?
€5,000 / mo (Standard Merchant Pay-as-you-go)€350,000+ / mo (Enterprise dedicated rates & co-marketing)
Standard Merchant (Pay-as-you-go)Cheapest€0 / monthly
No setup fee and no monthly subscription. From 1.9% to 2.99% + €0.30 per transaction. Merchant is paid upfront with zero credit or fraud risk. Supports Klarna Pay in 30 days, 3 Installments, and Pay Now
Enterprise / High Volume€350 / monthly
For high-volume merchants processing >€100,000/month. Custom discounted transaction fee tiers, dedicated partner success manager, customized checkout flows, and co-marketing promotions
A look at Klarna
What you work with in Klarna.
Klarna · Mollie · Stripe side by side
Figures from each vendor’s own pricing and privacy pages.
| Klarna | Mollie |  Stripe | |
|---|---|---|---|
| Free plan | No setup fee and no monthly subscription: merchant pays per transaction (typically from 1.9% to 2.99% + €0.30 depending on payment option: Pay in 30 days, Financing, or Pay Now) | No monthly subscription fee or setup fee: transparent pay-as-you-go per successful transaction | No setup fee and no monthly subscription: transparent pay-as-you-go per transaction (1.5% + €0.25 for standard European cards, €0.29 for iDEAL, €0.35 for SEPA) |
| Paid plans from | €350 a month | €250 a month | €299 a month |
| Data stored in | Data centers located in Sweden and Germany under strict Swedish Financial Supervisory Authority regulations | Transaction processing and customer data hosted in high-security ISO 27001-certified data centers in the Netherlands and Germany | Multi-region AWS cloud infrastructure with European customer and transaction data hosted in Dublin (Ireland) and Frankfurt (Germany) |
| Origin | SE | Netherlands | IE |
Checked 22 Oct 2026. Prices as each vendor lists them.
Is Klarna worth it?
Strengths & best fit
Best for: E-commerce retailers, European direct-to-consumer (D2C) brands, and digital merchants seeking to maximize checkout conversion and average order value (AOV) through Europe’s most recognized Buy Now Pay Later (BNPL) and flexible installment payment solutions.
Free plan covers: No setup fee and no monthly subscription: merchant pays per transaction (typically from 1.9% to 2.99% + €0.30 depending on payment option: Pay in 30 days, Financing, or Pay Now).
Good to know
Headquartered in Stockholm, Sweden, Klarna Bank AB operates as a fully licensed Swedish bank regulated by Finansinspektionen (the Swedish Financial Supervisory Authority). When a buyer chooses Klarna Pay in 30 Days or 3 Installments, Klarna pays the merchant immediately upfront and assumes 100% of all credit and fraud risk.
Klarna alternatives and their deals
MollieFinance & invoicingStripeFinance & invoicingFree plan: No setup fee and no monthly subscription: transparent pay-as-you-go per transaction (1.5% + €0.25 for standard European cards, €0.29 for iDEAL, €0.35 for SEPA)
AdyenFinance & invoicingFree plan: Transparent Interchange++ pricing: €0.11 fixed processing fee per transaction + payment method fee (€0.13 for iDEAL, €0.19 for Bancontact, interchange rate for Visa/Mastercard)
Watch a Klarna walkthrough
Questions
Does Klarna have a free plan?▼
Yes. Free plan: No setup fee and no monthly subscription: merchant pays per transaction (typically from 1.9% to 2.99% + €0.30 depending on payment option: Pay in 30 days, Financing, or Pay Now).
How much does Klarna cost?▼
Standard Merchant (Pay-as-you-go) costs €0 a month. Prices as the vendor lists them.
Is there a Klarna discount code?▼
No discount is confirmed today. New offers appear at the top of this page when we confirm them.
Does the merchant carry any credit or non-payment risk with Klarna?▼
No. Klarna assumes 100% of credit, default, and fraud risks. The merchant receives payout for the full order amount on their standard settlement schedule, regardless of whether or when the consumer completes their installment payments.
What does Klarna say about data protection for EU customers?▼
Licensed Swedish bank regulated by Finansinspektionen, full credit risk assumption (merchant is paid upfront immediately), PCI-DSS Level 1 and GDPR DPA (klarna.com, Checked 22 Oct 2026).
Where does Klarna store customer data?▼
According to klarna.com: Data centers located in Sweden and Germany under strict Swedish Financial Supervisory Authority regulations. Checked 22 Oct 2026.
Price history: Enterprise / High Volume €350
Start free, upgrade when you need it
Free plan: No setup fee and no monthly subscription: merchant pays per transaction (typically from 1.9% to 2.99% + €0.30 depending on payment option: Pay in 30 days, Financing, or Pay Now). Paid plans from €350 a month.
- No code needed
- Official vendor checkout