Klarna FAQs for Customers:

What is Klarna? Klarna is a leading alternative payment provider. Klarna’s vision is to make all payments ‘smoooth’, adding value for shoppers and retailers with unique payment options and superior customer experience. Klarna has 2,000 employees across 14 markets, and is leading the way for alternative payments by serving 60 million consumers and 100,000 merchants smoooth payment solutions. Learn more.

What is Slice It? Slice it is Klarna’s pay over time financing option, which is offered at the time of checkout. This affordable and highly flexible open-end line of credit is issued by WebBank (FDIC) in partnership with Klarna, and it allows you to pay for your purchases over time. View complete terms.



How do I pay in 4 equal installments? Select 4 interest-free payments to split your purchase into 4 equal installments, charged automatically every two weeks beginning at the time your order is shipped. No invoice or instructions sent - you can simply sit back, relax, and enjoy your purchase. 

How do automatic payments work? 4 equal payments are collected bi-weekly from the card details you provide at purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at


How does Pay later in 14 or 30 days work? If you’re eligible for pay later, your order will be delivered to you before you have to pay. Once your order has shipped, you’ll receive an email with instructions to pay. You’ll have up to 30 days to pay, depending on what was offered at checkout. 

Is there a fee to use Pay later? There is no fee to use Pay later. If your invoice is not paid by the due date, you may be subject to a late fee. 

Will this affect my credit score? Pay later will not affect your credit score. Slice it applications will take credit score and credit history into consideration when determining if the application is approved. 

How can I reach Klarna? You can reach Klarna anytime at