Klarna
Klarna's cheapest published rate is 5.99% + 30c (Klarna through Stripe, US). Pricing model: bnpl. Monthly fee: $0. Dispute fee: Klarna assumes credit risk; no card-style chargeback fee. Cross-border: +1.5% (through Stripe). FX: +2% if conversion needed (through Stripe).
Tier table (vendor-published)
| Tier | Rate | Notes |
|---|---|---|
| Klarna through Stripe (US) | 5.99% + 30c | - |
Source: https://stripe.com/pricing/local-payment-methods (verified 2026-10-17).
What Klarna is best for
- Higher-AOV ecommerce where BNPL drives conversion and basket size.
- Fashion, electronics, and travel merchants where Klarna already has buyer mind-share.
Hidden costs and gotchas
Stripe publishes Klarna at 5.99% + 30c per transaction for US and Canada accounts, plus 1.5% for international transactions and 2% if currency conversion is required. Contracts signed directly with Klarna are priced per merchant.
- The two surcharges stack: an international Klarna order that also needs currency conversion costs 5.99% + 1.5% + 2% = 9.49% plus 30c through Stripe (local payment methods pricing, checked 17 October 2026).
- Klarna assumes credit risk, so no card-style chargeback fees.
FAQ
How much does Klarna charge merchants?
Stripe publishes Klarna at 5.99% + 30c per transaction for US and Canada accounts, plus 1.5% for international transactions and 2% if currency conversion is required (checked 17 October 2026). A contract signed directly with Klarna is priced per merchant.
What is the trade-off vs cards?
Higher unit fee, lower checkout abandonment, and basket-size lift. Many merchants run BNPL as a conversion lever, not a cost play.
See the full vendor index, run the cross-vendor cost calculator, or read how we verify every rate.