Buy now pay later
Klarna
Cheapest published
3.29% + 30c (negotiated, $5M+/yr)
Rate position
Klarna sits in the upper third
Across 14 published-rate vendors in this comparison.
Klarna headline answer
Klarna's cheapest published rate is 3.29% + 30c (negotiated, $5M+/yr). Pricing model: bnpl. Monthly fee: $0. Dispute fee: Klarna assumes credit risk; no card-style chargeback fee. Cross-border: Per market. FX: Per market.
Tier table (vendor-published)
| Tier | Rate | Notes |
|---|---|---|
| Standard merchant | 5.99% + 30c | - |
| Negotiated ($5M+/yr) | 3.29% + 30c | - |
Source: https://www.klarna.com/business/products/payments/ (verified 2026-06-19).
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
Most merchants pay 5.99% + 30c. Volume-based pricing down to 3.29% + 30c above $5M/yr.
- Standard merchant rate is 5.99% + 30c. Volume tiers down to 3.29% + 30c above $5M/yr.
- Klarna assumes credit risk, so no card-style chargeback fees.
FAQ
Is Klarna 3.29% real?
Only at $5M+/yr negotiated. Most merchants pay 5.99% + 30c on the standard schedule.
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.
Closest alternatives
See the full vendor index, run the cross-vendor cost calculator, or read how we verify every rate.
verified Last verified June 2026