How can we help?

Klarna gives customers a range of payment options during checkout. Available payment options vary depending on the customer’s billing address and the transaction amount. These payment options make it convenient for customers to purchase items in all price ranges.

 

Klarna Integration Temporarily Down

Our integration with Klarna has not been working properly and we are working with Stripe to get it up and running. If you have enabled Buy-Now, Pay-Later integration with Klarna, once we have it fixed, it will become active and will be a visible option for payment for your customers automatically. If you are interested in integrating with Klarna, that option will be available if you use Rain POS Payments for website payment processing as soon as we have this fixed. Sorry for the inconvenience. Our other integrations with Affirm and Afterpay are both working properly.

REQUIREMENTS:

• Your payment processor must be Rain POS Payments using Stripe for processing (Adyen is not currently supported).
• Your inventory for items in stock must be accurate: if a customer purchases an out of stock item this way, you will have to void the order and have them remake the order without the item.

 

Transaction Requirements

For Klarna to display as a checkout option, a customer's shopping cart must have items ranging from $1 in value up to $2,000 maximum in the cart with none of the items listed below. Please note that BNPL services are intended for the purchase of products, so if any of the following items are in a customer's shopping cart, they will NOT see BNPL as an option for payment:

• Invoices
• Subscription Payments / Initial Subscription Signup
• Short Term Rentals
• Classes
• Gift Cards
• Digital Downloads

 

Enabling Klarna

Go to the Admin Button with your username in the upper right and click Beta Features. Find BNPL Klarna in the list and toggle it to Yes, then at the bottom click Save. Next, also under your Admin Button, go to Settings > Integrations > Rain POS. In the section near the bottom for Buy Now Pay Later find Klarna and toggle it to Yes. A page will open that will show you the merchant terms for using the Klarna BNPL service, and after you agree, your customers will have that option available at checkout if they're not purchasing any of the restricted items above.

 

Rates & Availability

Please refer to the list below for more information on rates and country availability:

• United Kingdom: 5.99% + $0.30 GBP
• United States: 5.99% + $0.30 USD

 

Restricted Business Types

• Charities
• Political Organizations, Parties, or Initiatives

 

Refunds

You can refund Klarna charges up to 180 days after the payment completes.

 

Disputes and Fraud

Klarna covers disputes driven by customer fraud or inability to repay installments provided you follow Klarna’s shipping policy. Merchants aren’t involved in these disputes.

If a customer claims that you didn’t deliver the relevant goods as expected, Klarna may send you an email to request additional information to help resolve the claim. You must submit the requested information within 14 days. If Klarna rules in favor of the customer, they may initiate a dispute, with funds withdrawn from your Rain POS Payments account. Klarna dispute decisions are final—they have no appeal process.