Klarna has partnered with Stripe to offer an integrated payments solution for online Partners. Klarna can be added as a payment method with no separate onboarding or configuration.

Stripe acts as the acquirer and processor, managing onboarding, compliance, disputes and settlement. Klarna powers the end-customer experience, offering Pay in Full, Pay in N, Pay Later, and Financing.

Klarna is built into Stripe’s infrastructure and available across multiple integration paths. Each offers different levels of customization and Klarna feature support.

When you create a new Stripe account, Klarna is automatically available—no action required.

Create a Stripe account

If Klarna isn’t enabled on your account:

1. Log in to Stripe Dashboard
2. Confirm that your brand name, logo, and support email are accurate
3. Go to Settings > Payments > Payment methods
4. Find Klarna and click Turn on
5. (Optional) Use Test Mode to validate your Klarna setup

Stripe Checkout and Payment Links are the fastest way to offer Klarna without any development. Klarna is included in the hosted checkout flow and shown automatically to eligible customers based on location, currency, and cart value.

Stripe handles the entire payment lifecycle:

• Payment processing
• Dispute handling
• Supplementary Purchase Data support (line_items)

The checkout payment selector, Klarna's brand presentation, and the order of payment methods in the checkout are managed by Stripe. Klarna Boost features like Express checkout and On-site messaging are not available by default, but may be layered on with Klarna’s SDK (engage your Stripe account team for access).

Enable Klarna in Stripe Checkout

Use Payment Links with Klarna

Payment Element gives you more control over the checkout UI while Stripe continues to manage Klarna eligibility and flow.

You get:

• Embedded, customizable UI
• Stripe-managed Klarna logic
• Supplementary Purchase Data support (line_items)

The checkout payment selector, Klarna's brand presentation are still controlled by Stripe. The order of payment methods in the checkout can be managed by the Partner. Klarna Boost features and upstream messaging are available via direct integration with Klarna's SDK.

Learn about Stripe Payment Element

Use Stripe’s Payment Intents API to fully control the Klarna experience.

This is the only path that enables:

• Custom Klarna checkout flows
• Full Supplementary Purchase Data (SPD), including marketplace, travel, and subscriptions
• Boost features like Express Checkout, On-site Messaging, recurring payments, and tokenization
• You manage the UI, payment logic, and Klarna lifecycle directly via Stripe APIs.

Use Stripe Payment Intents API

Stripe Connect enables Klarna at scale for platforms and marketplaces.

• The Stripe Connect account owner may enable Klarna as default-on for all sub-accounts
• Existing accounts can activate Klarna from the dashboard
• All integration paths are supported: Checkout, Payment Element, Payment Links, Direct API

If a sub-account wants to enable Klarna boost features, such as Express Checkout or On-site Messaging, availability depends on the type of integration the sub-account has with its platform. This may require integrating Klarna SDKs independently.

Integrate Stripe Connect

Klarna can also be activated through Stripe-integrated platforms:

• Shopify
• WooCommerce
• BigCommerce
• Salesforce Commerce Cloud

For a full list, visit the Stripe Connectors page

To deliver a fully branded and high-converting Klarna experience, you can extend Stripe’s infrastructure with Klarna’s Web SDK.

This unlocks:

• Klarna Express Checkout for instant, returning customer purchases
• On-site Messaging to promote Klarna options earlier in the journey

These features deepen Klarna’s visibility in your funnel, reduce friction, and build trust with customers. While they require technical integration beyond Stripe’s default setup, the payoff is a responsive, high-performing Klarna experience.

Best suited for Partners focused on user experience, repeat purchase behavior, and conversion lift.