Klarna's standard merchant fee is 5.99% + $0.30, roughly 2x to 3x a flat-rate card gateway. Volume merchants over $5M annual revenue can negotiate to roughly 3.29% + $0.30. The fee includes fraud and credit-risk protection; Klarna pays the merchant in full even if the consumer defaults.
Pulled directly from the vendor pricing page, verified 2026-06-19. We do not re-state any rate the vendor has not put in writing on their own site.
Klarna is a conversion lever, not a cost lever. Best for merchants in fashion, home goods, electronics, and other higher-AOV verticals where average-order-value uplift from Pay-in-4 or Pay-in-30 exceeds the rate premium versus card.
Not a fit for low-AOV merchants where the basket size cannot absorb a 6% fee.
The number on the homepage of Klarna is rarely the number a finance team books. Below are the line items that almost always show up, sourced from the same vendor pricing page where possible.
BNPL with credit-risk bundled in. Cost-per-transaction is 2x to 3x a flat-rate card gateway; AOV uplift is the justification.